Last 19 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
SHF Holdings, Inc.'s quarterly P/E stands at 29.8x, up 40.1% year-over-year — indicating the stock has re-rated higher or earnings have softened.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -0.03 | 29.83 | — | — | — | 21.29 | 8.12 | 6.61 | 155.70 | — | — | — | — |
| — | +40.1% | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 0.07 | 41.56 | 0.79 | 0.93 | 1.67 | 2.04 | 1.42 | 2.47 | 50.90 | 2.97 | 1.32 | 0.74 | — |
| — | +1933.1% | -44.4% | -62.3% | -96.7% | -31.2% | +7.1% | +234.1% | — | -78.3% | -95.1% | -97.4% | — | |
| P/B Ratio | — | 43.57 | — | — | — | 0.80 | 0.79 | 1.47 | 45.11 | 1.44 | 0.85 | 0.30 | 131.82 |
| — | +5377.7% | — | — | — | -44.8% | -7.4% | +393.6% | -65.8% | -69.5% | -53.1% | -98.8% | -67.8% | |
| P/FCF | 3.11 | — | — | — | — | 15.57 | 6.16 | 9.20 | — | 13.15 | — | — | — |
| — | — | — | — | — | +18.4% | — | — | — | -19.9% | — | — | — | |
| EV / EBITDA | — | — | — | — | — | 18.27 | 5.79 | 8.71 | 181.95 | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | — | 176.29 | — | — | — | 26.42 | 6.58 | 9.76 | 210.10 | — | — | — | — |
| — | +567.1% | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
SHF Holdings, Inc.'s operating margin was -66.4% in Q3 2025, down 15.5 pp QoQ and down 75.8 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 -88.1% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 104.7% | 100.0% | 94.1% | 96.5% | 131.6% | 95.6% | 98.7% | 98.4% | 106.8% | 101.3% | 84.7% | 83.9% | 102.3% |
| — | +4.6% | -4.7% | -2.0% | +23.2% | -5.6% | +16.5% | +17.3% | +4.4% | +6.3% | -3.5% | -12.5% | +1.7% | |
| Operating Margin | -24.2% | -66.4% | -50.9% | -25.8% | -209.4% | 9.4% | 26.8% | 29.3% | 24.4% | -21.0% | -415.9% | -45.7% | 121.5% |
| — | -804.6% | -290.1% | -187.9% | -958.8% | +145.0% | +106.4% | +164.1% | -79.9% | -152.5% | -2391.3% | -252.4% | +189.0% | |
| Net Margin | -262.5% | 9.8% | -47.9% | -25.8% | -1376.5% | 9.2% | 17.6% | 37.3% | 32.7% | -22.8% | -401.1% | -32.0% | 97.2% |
| — | +5.9% | -371.5% | -169.0% | -4313.8% | +140.5% | +104.4% | +216.8% | -66.4% | -157.2% | -2309.4% | -206.5% | +131.2% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -437.9% | 2.6% | — | — | -381.8% | 0.9% | 2.5% | 5.7% | 8.1% | -2.8% | -49.4% | -5.8% | -206.8% |
| — | +182.1% | — | — | -4812.7% | +133.0% | +105.1% | +199.8% | +103.9% | -282.6% | -8711.1% | -187.4% | -17144.5% | |
| ROA | -119.2% | 1.8% | -14.8% | -8.3% | -129.0% | 0.5% | 1.4% | 3.0% | 3.5% | -1.0% | -21.8% | -1.5% | -37.3% |
| — | +247.1% | -1158.6% | -375.3% | -3738.6% | +150.9% | +106.4% | +301.7% | +109.5% | -206.8% | -4229.7% | -123.4% | -3361.2% | |
| ROIC | -13.7% | -127.3% | — | — | -22.8% | 0.5% | 2.1% | 2.4% | 3.0% | -1.2% | -26.7% | -2.5% | -73.5% |
| — | -24575.7% | — | — | -854.6% | +143.2% | +107.8% | +197.5% | +104.1% | -206.6% | -6319.2% | -149.9% | -8181.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has improved 89.4% YoY to 2.08x, strengthening the short-term liquidity position.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | 0.11 | — | — | — | 0.32 | 0.35 | 0.39 | 0.44 | 0.57 | 0.57 | 0.35 | 11.46 |
| — | -66.6% | — | — | — | -43.9% | -38.4% | +9.1% | -96.2% | — | — | — | — | |
| Debt / EBITDA | — | — | — | — | — | 24.32 | 8.30 | 7.89 | 7.04 | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 0.86 | 2.08 | 0.33 | 0.57 | 0.86 | 1.10 | 1.73 | 1.76 | 1.63 | 0.79 | 0.78 | 0.80 | 0.21 |
| — | +89.4% | -81.2% | -67.6% | -47.6% | +38.5% | +121.3% | +119.4% | +691.5% | +148.9% | +353.7% | -97.5% | -99.4% | |
| Quick Ratio | 0.86 | 2.08 | 0.33 | 0.57 | 0.86 | 1.10 | 1.73 | 1.76 | 1.63 | 0.79 | 0.78 | 0.80 | 0.21 |
| — | +89.4% | -81.2% | -67.6% | -47.6% | +38.5% | +121.3% | +119.4% | +691.5% | +148.9% | +353.7% | -97.5% | -99.4% | |
| Interest Coverage | -8.36 | -4.82 | -8.58 | -7.33 | -161.50 | 2.23 | 8.47 | 10.45 | 14.14 | -4.30 | -113.63 | -3.14 | -60.35 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 19 years · Updated daily
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SHF Holdings, Inc.'s current P/E is -0.0x. The average P/E over the last 1 quarters is 29.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
SHF Holdings, Inc.'s current operating margin is -24.2%. Margins have been expanding 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.