SHFS vs SAFE

For growth investors, Safehold Inc.

(SAFE) is the stronger pick with 5. 4% revenue growth year-over-year, versus -9. 2% for SHF Holdings, Inc. (SHFS). Safehold Inc. (SAFE) offers the better valuation at 9. 7x trailing P/E (9. 0x forward), making it the more compelling value choice. Analysts rate Safehold Inc. (SAFE) a "Buy" — based on 17 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

Over the past 5 years, Safehold Inc.

(SAFE) delivered a total return of -71. 0%, compared to -99. 8% for SHF Holdings, Inc. (SHFS). Over 10 years, the gap is even starker: SAFE returned -50. 9% versus SHFS's -99. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Safehold Inc.

(SAFE) is the lower-risk stock at 0. 95β versus SHF Holdings, Inc. 's 1. 83β — meaning SHFS is approximately 93% more volatile than SAFE relative to the S&P 500.

By revenue growth (latest reported year), Safehold Inc.

(SAFE) is pulling ahead at 5. 4% versus -9. 2% for SHF Holdings, Inc. (SHFS). On earnings-per-share growth, the picture is similar: Safehold Inc. grew EPS 7. 4% year-over-year, compared to -114. 7% for SHF Holdings, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Safehold Inc.

(SAFE) is the more profitable company, earning 29. 7% net margin versus -262. 5% for SHF Holdings, Inc. — meaning it keeps 29. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SAFE leads at 79. 8% versus -24. 2% for SHFS. At the gross margin level — before operating expenses — SHFS leads at 104. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

In this comparison, SAFE (4.

6% yield) pays a dividend. SHFS does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Safehold Inc.

(SAFE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 95), 4. 6% yield). SHF Holdings, Inc. (SHFS) carries a higher beta of 1. 83 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (SAFE: -50. 9%, SHFS: -99. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (SHFS (Financial Services) and SAFE (Real Estate)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: SHFS is a small-cap quality compounder stock; SAFE is a small-cap deep-value stock. SAFE pays a dividend while SHFS does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.