Monitor the upcoming 10-K filing for audited financials, as the current figures are preliminary and subject to change. The sequential revenue improvement in Q4 and debt elimination are positive signs, but the significant year-over-year revenue decline remains a concern.
Price Chart
Executive Summary
SHF Holdings reported preliminary unaudited financial results for Q4 and full year 2025, showing a 50% year-over-year decline in total revenue to $7.7M, driven by lower loan program income and investment income. The company highlighted a sequential revenue increase of 12% in Q4 due to improved economics under its amended agreement with PCCU, and announced the elimination of $18.3M in debt through recapitalization.
Key Financial Metrics
Key Facts
- Total revenue for FY 2025 was $7.7M, down 50% from $15.2M in FY 2024
- Loan Program Income declined 63% year-over-year to $2.5M
- Q4 2025 revenue increased sequentially by 12% to $2.1M from $1.8M in Q3 2025
- The company eliminated $18.3M in debt through a September 2025 recapitalization
- The preliminary financials are unaudited and subject to change pending completion of the 10-K filing
Financial Impact
Revenue declined by $7.5M year-over-year, but Q4 showed sequential improvement of $0.3M
Risk Factors
- Preliminary unaudited financials may change with the final 10-K filing
- Significant year-over-year revenue decline of 50%
- Dependence on PCCU partnership for improved economics
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001493152-26-014460 |
| Exhibit: ex99-1.htm | 0001493152-26-014460 |
| Document: 0001493152-26-014460-index-headers.html | 0001493152-26-014460 |
| Document: 0001493152-26-014460-index.html | 0001493152-26-014460 |
| Document: 0001493152-26-014460.txt | 0001493152-26-014460 |
| 8-K Data (Synthetic) | 0001493152-26-014460 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
May 28, 2026 18w ago | DEFA14A | $0.0329 $0.0258 | ▼ −21.58% | ▼ −18.44% | — |
May 18, 2026 19w ago | 8-K | $0.0329 $0.0289 | ▼ −12.16% | ▼ −13.74% | — |
May 11, 2026 20w ago | DEFA14A | $0.0329 $0.0329 | · 0.00% | ▲ +1.73% | — |
May 9, 2026 20w ago | 3 | $0.0329 $0.0329 | · 0.00% | ▲ +0.30% | — |
May 6, 2026 21w ago | S-1 | $0.0329 $0.0329 | · 0.00% | ▲ +3.14% | — |
May 6, 2026 21w ago | 8-K | $0.0329 $0.0329 | · 0.00% | ▲ +3.14% | — |
Apr 30, 2026 22w ago | 8-K | $0.0329 $0.0329 | · 0.00% | ▼ −5.23% | — |
Apr 24, 2026 23w ago | 8-K | $0.0329 $0.0299 | ▲ +9.12% | ▲ +14.07% | — |
Apr 21, 2026 23w ago | 8-K | $0.0329 $0.0329 | · 0.00% | ▼ −4.92% | — |
Apr 16, 2026 24w ago | 8-K | $0.0329 $0.0329 | · 0.00% | ▼ −5.82% | — |
US Market Status
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