The stock may react positively to the improved balance sheet and reduced losses, but the significant year-over-year revenue decline is a major concern. Monitor future quarters for signs of revenue stabilization or growth.
Price Chart
Executive Summary
SHF Holdings reported full-year 2025 revenue of $7.67 million (down from $15.24 million in 2024) and a net loss of $2.16 million, a significant improvement from the $48.32 million loss in 2024. The company highlighted a $12 million sequential increase in fourth-quarter revenue and a strengthened balance sheet with $6.8 million in cash and positive $8.2 million in stockholders' equity after eliminating $18 million in debt.
Key Financial Metrics
Key Facts
- Full-year 2025 revenue was $7.67 million, down 49.7% from $15.24 million in 2024.
- Full-year 2025 net loss was $2.16 million, a significant improvement from the $48.32 million loss in 2024.
- Fourth-quarter 2025 revenue was $2.06 million, up 12% from $1.83 million in Q3 2025.
- The company eliminated $18 million in debt and ended the year with $6.8 million in cash and $8.2 million in positive stockholders' equity.
- Loan program income for 2025 was $2.5 million, down from $6.6 million in 2024.
Financial Impact
Revenue declined by $7.57 million year-over-year, but net loss improved by $46.16 million. The company achieved a positive balance sheet with $8.2 million in stockholders' equity.
Risk Factors
- Significant year-over-year revenue decline raises concerns about the company's core business performance.
- The large improvement in net loss was driven by non-recurring items (impairments in 2024), making the sustainability of future profitability uncertain.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001493152-26-016961 |
| Document: form8-k.htm | 0001493152-26-016961 |
| Document: 0001493152-26-016961-index-headers.html | 0001493152-26-016961 |
| Document: 0001493152-26-016961-index.html | 0001493152-26-016961 |
| Document: 0001493152-26-016961.txt | 0001493152-26-016961 |
| 8-K Data (Synthetic) | 0001493152-26-016961 |
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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