SHF Holdings, Inc.

SHFSNASDAQFinancial Services● Active

$0.37

$-0.02(-5.21%)

Market Cap$1068035

P/E Ratio—

52W High$9.19

52W Low$0.3653

Avg Volume268K

Open$0.39

Beta0.84

Free Cash Flow Financials Revenue

SHF Holdings, Inc. (SHFS) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

SHFS · free cash flow · updated Jun 8, 2026

Core FCF metrics

SHFS · FCF · TTM · margin & CAGR

Free cash flow was −$3.4M for FY2025 (fiscal year ending 2025-12-31), down 893.9% year-over-year The FCF margin was -44.5%.

FY2025 Free Cash Flow−$3.4M▼ -893.9% YoY

Trailing 12M (TTM)−$3.4Mtrailing 4 quarters sum

FCF Margin-44.5%−$3.4M ÷ revenue

3-Year CAGRN/AN/A — contains negative FCF

5-Year CAGRN/AN/A — contains negative FCF

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

SHFS · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest−$3.4M(0M)−$3.4M▼ 893.9%-44.5%

FY2024$430,477(0M)$430,477▲ +141.4%2.3%

FY2023−$832,144(0M)−$1.0M▼ 161.9%-5.1%

FY2022$1.7M(0M)$1.7M▼ 42.9%—

FY2021$2.9M(0M)$2.9M▼ 40.6%42.0%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

SHFS · P/FCF · FCF yield · FCF per share

SHF Holdings, Inc. (SHFS) reported negative free cash flow of −$0.00B. FCF-based valuation ratios are not meaningful when FCF is negative.

FCF Yield (TTM)

N/A

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

N/A

TTM FCF ÷ Shares Outstanding

Price / FCF

N/A

Share Price ÷ FCF per Share

EV / FCF (TTM)

N/A

Enterprise Value basis

FCF-based valuation ratios are only meaningful when free cash flow is positive. Negative FCF indicates capital expenditures exceeded operating cash flow.

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

SHFS · cash flow statement · operating / investing / financing

For FY2025, SHF Holdings, Inc. generated −$3.4M in operating cash flow and spent 0M in capital expenditures, yielding −$3.4M in free cash flow.

Operating Activities

−$3.4M

Cash from core business operations

2025-12-31

Investing Activities

+$0.4M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$7.4M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF (−$3.4M) − |CapEx| (0M) = FCF (−$3.4M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

SHFS vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

SHF Holdings, Inc.YOU

SHFS

−$3.4M-893.9%-44.5%

Loss

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

SHF Holdings, Inc. (SHFS) reported free cash flow of −$3.4M for FY2025 (fiscal year ending 2025-12-31), down 893.9% year-over-year. The FCF margin was -44.5%.

Based on available data, SHF Holdings, Inc. has maintained positive free cash flow for at least 4 fiscal year(s). FCF peaked at $4.9M in FY2020.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

SHFS free cash flow · 8 questions

SHF Holdings, Inc. free cash flow was −$3.4M for FY2025, down 893.9% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at −$3.4M.

SHFS free cash flowSHFS FCFSHFS FCF 2025SHFS free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · SHF Holdings, Inc. · SHF Holdings, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026