Last 21 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -0.30 | — | — | 31.02 | — | — | — | 21.29 | 8.12 | 6.61 | 155.70 | — | — |
| — | — | — | +45.7% | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 0.10 | 0.46 | 0.13 | 4.42 | 0.79 | 0.93 | 1.67 | 2.04 | 1.42 | 2.47 | 50.90 | 2.97 | 1.32 |
| — | -50.9% | -92.4% | +116.4% | -44.4% | -62.3% | -96.7% | -31.2% | +7.1% | +234.1% | — | -78.3% | -95.1% | |
| P/B Ratio | 0.09 | 0.54 | 0.38 | 2.98 | — | — | — | 0.80 | 0.79 | 1.47 | 45.11 | 1.44 | 0.85 |
| — | — | — | +274.0% | — | — | — | -44.8% | -7.4% | +393.6% | -65.8% | -69.5% | -53.1% | |
| P/FCF | — | — | — | — | — | — | — | 15.57 | 6.16 | 9.20 | — | 13.15 | — |
| — | — | — | — | — | — | — | +18.4% | — | — | — | -19.9% | — | |
| EV / EBITDA | — | — | — | 28.74 | — | — | — | 18.27 | 5.79 | 8.71 | 181.95 | — | — |
| — | — | — | +57.3% | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | — | — | — | 28.84 | — | — | — | 26.42 | 6.58 | 9.76 | 210.10 | — | — |
| — | — | — | +9.1% | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
SHF Holdings, Inc.'s operating margin was -89.3% in Q1 2026, down 79.7 pp QoQ and down 63.5 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of -33.6% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 56.5% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 56.6% | 42.0% | 102.7% | 78.5% | 94.1% | 96.5% | 131.6% | 95.6% | 98.7% | 98.4% | 106.8% | 101.3% | 84.7% |
| — | -56.5% | -21.9% | -17.8% | -4.7% | -2.0% | +23.2% | -5.6% | +16.5% | +17.3% | +4.4% | +6.3% | -3.5% | |
| Operating Margin | -70.4% | -89.3% | -9.5% | 15.3% | -50.9% | -25.8% | -209.4% | 9.4% | 26.8% | 29.3% | 24.4% | -21.0% | -415.9% |
| — | -246.3% | +95.5% | +62.0% | -290.1% | -187.9% | -958.8% | +145.0% | +106.4% | +164.1% | -79.9% | -152.5% | -2391.3% | |
| Net Margin | -28.2% | -90.1% | -9.5% | 15.3% | -47.9% | -25.8% | -1376.5% | 9.2% | 17.6% | 37.3% | 32.7% | -22.8% | -401.1% |
| — | -249.4% | +99.3% | +65.1% | -371.5% | -169.0% | -4313.8% | +140.5% | +104.4% | +216.8% | -66.4% | -157.2% | -2309.4% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -26.2% | -23.8% | -7.6% | 2.6% | — | — | -381.8% | 0.9% | 2.5% | 5.7% | 8.1% | -2.8% | -49.4% |
| — | — | +98.0% | +182.1% | — | — | -4812.7% | +133.0% | +105.1% | +199.8% | +103.9% | -282.6% | -8711.1% | |
| ROA | -14.2% | -10.8% | -3.8% | 1.8% | -14.8% | -8.3% | -129.0% | 0.5% | 1.4% | 3.0% | 3.5% | -1.0% | -21.8% |
| — | -29.9% | +97.1% | +247.1% | -1158.6% | -375.3% | -3738.6% | +150.9% | +106.4% | +301.7% | +109.5% | -206.8% | -4229.7% | |
| ROIC | -94.9% | -16.2% | -5.2% | 18.8% | — | — | -22.8% | 0.5% | 2.1% | 2.4% | 3.0% | -1.2% | -26.7% |
| — | — | +77.1% | +3509.5% | — | — | -854.6% | +143.2% | +107.8% | +197.5% | +104.1% | -206.6% | -6319.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has improved 215.8% YoY to 1.81x, strengthening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.09 | 0.10 | 0.09 | 0.11 | — | — | — | 0.32 | 0.35 | 0.39 | 0.44 | 0.57 | 0.57 |
| — | — | — | -66.6% | — | — | — | -43.9% | -38.4% | +9.1% | -96.2% | — | — | |
| Debt / EBITDA | — | — | — | 4.18 | — | — | — | 24.32 | 8.30 | 7.89 | 7.04 | — | — |
| — | — | — | -82.8% | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 1.88 | 1.81 | 1.88 | 2.08 | 0.33 | 0.57 | 0.86 | 1.10 | 1.73 | 1.76 | 1.63 | 0.79 | 0.78 |
| — | +215.8% | +119.4% | +89.4% | -81.2% | -67.6% | -47.6% | +38.5% | +121.3% | +119.4% | +691.5% | +148.9% | +353.7% | |
| Quick Ratio | 1.88 | 1.81 | 1.88 | 2.08 | 0.33 | 0.57 | 0.86 | 1.10 | 1.73 | 1.76 | 1.63 | 0.79 | 0.78 |
| — | +215.8% | +119.4% | +89.4% | -81.2% | -67.6% | -47.6% | +38.5% | +121.3% | +119.4% | +691.5% | +148.9% | +353.7% | |
| Interest Coverage | -10.96 | -385.01 | -49.06 | 0.71 | -8.58 | -7.33 | -161.50 | 2.23 | 8.47 | 10.45 | 14.14 | -4.30 | -113.63 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 21 years · Updated daily
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Quick answers to the most common questions about buying SHFS stock.
SHF Holdings, Inc.'s current P/E is -0.3x. The average P/E over the last 1 quarters is 31.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
SHF Holdings, Inc.'s current operating margin is -70.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking SHF Holdings, Inc.'s business trajectory between earnings reports.