SHF Holdings, Inc. (SHFS) Financial Ratios
5 years of historical data (2020–2024) · Financial Services · Banks - Regional
EV/EBITDA
N/A
—
5yr avg: 55.64
30Y Low55.6·High55.6
P/FCF
↓
3.15
↓-93% vs avg
5yr avg: 47.40
30Y Low20.1·High64.1
P/B Ratio
↓
N/A
—
5yr avg: 11.34
30Y Low1.8·High25.7
ROE
↓
-437.9%
↑-139% vs avg
5yr avg: -183.2%
30Y Low-438%·High117%
Debt/EBITDA
N/A
—
5yr avg: N/A
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SHFS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
SHF Holdings, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 3.1x P/FCF, 93% below the 5-year average of 47.4x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Market Cap | $1M | $25M | $60M | $34M | $188M | — |
| Enterprise Value | $11M | $35M | $71M | $84M | $183M | — |
| P/E Ratio → | -0.03 | — | — | — | 57.38 | — |
| P/S Ratio | 0.07 | 1.36 | 2.98 | — | 26.90 | — |
| P/B Ratio | — | — | 1.76 | 6.59 | 25.68 | — |
| P/FCF | 3.15 | 58.04 | — | 20.06 | 64.10 | — |
| P/OCF | 3.15 | 58.04 | — | 19.86 | 63.97 | — |
P/E links to full P/E history page with 30-year chart
SHFS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.88 | 3.48 | — | 26.12 | — |
| EV / EBITDA | — | — | — | — | 55.64 | — |
| EV / EBIT | — | — | — | — | 55.67 | — |
| EV / FCF | — | 80.19 | — | 49.94 | 62.23 | — |
SHFS Profitability
Margins and return-on-capital ratios measuring operating efficiency
SHF Holdings, Inc. earns an operating margin of -24.2%, below the Financial Services sector average of 21.6%. Operating margins have compressed from 138.7% to -24.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -437.9% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Gross Margin | 104.7% | 104.7% | 93.2% | 103.8% | 100.0% | 99.8% |
| Operating Margin | -24.2% | -24.2% | -94.2% | 138.7% | 46.9% | 63.6% |
| Net Profit Margin | -262.5% | -262.5% | -85.2% | 109.8% | 46.9% | 63.6% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| ROE | -437.9% | -437.9% | -87.6% | -564.2% | 56.2% | 117.5% |
| ROA | -119.2% | -119.2% | -20.7% | -65.7% | 54.3% | 111.8% |
| ROIC | -13.7% | -13.7% | -25.4% | -93.7% | 42.2% | — |
| ROCE | -13.1% | -13.1% | -34.8% | -155.1% | 56.2% | 117.5% |
SHFS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $10M ($12M total debt minus $2M cash).
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Debt / Equity | — | — | 0.44 | 11.46 | — | — |
| Debt / EBITDA | — | — | — | — | — | — |
| Net Debt / Equity | — | — | 0.29 | 9.82 | -0.75 | -0.69 |
| Net Debt / EBITDA | — | — | — | — | -1.67 | -0.59 |
| Debt / FCF | — | 22.15 | — | 29.88 | -1.87 | -0.61 |
| Interest Coverage | -8.36 | -8.36 | -17.46 | -62.93 | — | 2037.16 |
SHFS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.86x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.21x to 0.86x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Current Ratio | 0.86 | 0.86 | 1.63 | 0.21 | 33.30 | 14.71 |
| Quick Ratio | 0.86 | 0.86 | 1.63 | 0.21 | 33.30 | 14.71 |
| Cash Ratio | 0.44 | 0.44 | 0.62 | 0.17 | 30.28 | 13.58 |
| Asset Turnover | — | 1.39 | 0.30 | -0.32 | 0.93 | 1.76 |
| Inventory Turnover | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — |
SHFS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
SHF Holdings, Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | 1.7% | — |
| FCF Yield | 31.8% | 1.7% | — | 5.0% | 1.6% | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
| Shares Outstanding | — | $3M | $2M | $949427 | $935795 | $935795 |
Peer Comparison
Compare SHFS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SHFSYou | $1M | -0.0 | — | 3.1 | 104.7% | -24.2% | -437.9% | -13.7% | — |
 LGND | $4B | -956.0 | 322.1 | 53.4 | 93.4% | -13.5% | -0.5% | -2.3% | 0.6 |
 BFIN | $150M | 36.4 | 13.4 | 27.3 | 66.2% | 6.8% | 2.6% | 1.9% | 7.5 |
 MFIN | $225M | 5.4 | 1.9 | 1.8 | 96.7% | 50.5% | 9.1% | 17.2% | 1.8 |
 SAFE | $1B | 9.7 | 17.6 | 23.2 | 94.3% | 79.8% | 4.8% | 3.4% | 14.2 |
 IIPR | $2B | 14.4 | 9.9 | 9.3 | 88.7% | 46.7% | 6.0% | 4.3% | 2.0 |
 GRWG | $85M | -3.5 | — | — | 26.8% | -15.7% | -22.1% | -16.9% | — |
 HYFM | $5M | -0.1 | — | — | 16.9% | -27.4% | -25.9% | -9.6% | — |
 TLRY | $660M | -0.2 | — | — | 29.3% | -277.9% | -89.1% | -66.2% | — |
 SNDL | $376M | -33.0 | 7.9 | 8.8 | 27.3% | -0.5% | -1.4% | -0.3% | 3.3 |
 CLFD | $519M | -64.6 | 61.5 | 21.0 | 33.7% | 1.4% | -3.0% | 0.6% | 1.1 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonSHFS — Frequently Asked Questions
Quick answers to the most common questions about buying SHFS stock.
What is SHF Holdings, Inc.'s P/E ratio?
SHF Holdings, Inc.'s current P/E ratio is -0.0x. The historical average is 57.4x.
What is SHF Holdings, Inc.'s ROE?
SHF Holdings, Inc.'s return on equity (ROE) is -437.9%. The historical average is -87.9%.
Is SHFS stock overvalued?
Based on historical data, SHF Holdings, Inc. is trading at a P/E of -0.0x. Compare with industry peers and growth rates for a complete picture.
What are SHF Holdings, Inc.'s profit margins?
SHF Holdings, Inc. has 104.7% gross margin and -24.2% operating margin.