SHF Holdings, Inc. (SHFSW) Financial Ratio Screen

NASDAQ United States N/A
RATIOS FAIL*
Automated financial screen · activity assessed separately
SHF Holdings, Inc. (SHFSW) is potentially non-compliant in the automated ratio model. The company's debt ratio of 89.9% exceeds the 30% MSCI new-inclusion threshold relative to total assets.

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MSCI new-inclusion financial-ratio snapshot

SHFSW financial screening at a glance

RATIOS FAIL*Financial ratios shown separately from business review — not a fatwa
Debt ratio
89.9%
Fail vs 30%
Cash ratio
17.7%
Pass vs 30%
Receivables + cash
60.9%
Fail vs 30%
Impermissible income
37.1%
Fail vs 5%

Calculation date: 2026-09-01. Financial period used: December 2024. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.

Independent method comparison

What the available screens say

How MSCI, FTSE and S&P-style screens differ
Request this stock review
MSCI-styleFinancial criteria not metAt least one available ratio exceeds its threshold
FTSE/Yasaar-styleFinancial criteria not metAt least one available ratio exceeds its threshold
S&P-style provisionalNot yet availableRequired denominator or financial data is incomplete
Business activityAssessment pendingFinancial results do not determine business permissibility
Complete screening result: not yet completeA complete result requires both supported financial criteria and adequate activity evidence. This site does not issue a fatwa or official index decision.
Financial periodDecember 2024Calculation date2026-09-01S&P-style historynot availableLast activity reviewnot yet reviewed

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Business activity evidence

Activity assessment in progress

The supplied classification (not available) is only a starting point. Revenue evidence is being assessed before any complete screening conclusion.

Revenue segments: Not yet checked against an SEC annual filing.

Profile description reviewed: SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business checking and savings accounts, cash management accounts, savings and investment options, commercial lending, courier and vaulting services, remote deposit services, automated clearing house payments and origination, debit, and wire payments. It also provides regulatory compliance consulting, software for maintaining know your customer, and bank secrecy act compliance; origination, onboarding, verification, and servicing of cannabis-related deposit business; and sourcing, underwriting, servicing, and administering services of loans issued to cannabis businesses and related entities. In addition, the company's services allow cannabis related businesses to obtain services from financial institutions that allow them to run their business with enhanced financial insight into their business and access to resources. SHF Holdings, Inc. was founded in 2015 and is based in Golden, Colorado.

Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings

A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.

Published-ratio reproductions (not certifications)

The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.

Based on financial data from December 2024

Standard Debt Ratio Cash Ratio Receivables Income Status
MSCI 89.9%
/ 30%
17.7%
/ 30%
60.9%
/ 30%
37.07%
/ 5%
RATIOS FAIL*
FTSE 89.9%
/ 33%
17.7%
/ 33%
60.9%
/ 50%
37.07%
/ 5%
RATIOS FAIL*

Financial Highlights

P/B Ratio
0.0
Revenue
$18M
Growth: -52.3%
Beta
0.9
Average volatility
Current Ratio
2.1

Profitability

Gross Margin 100.0%
Operating Margin -93.0%
Net Margin 0.0%
Return on Equity (ROE) -229.7%
Return on Assets (ROA) -132.2%

Cash Flow & Balance Sheet

Operating Cash Flow$430,477
Free Cash Flow$430,477
Total Debt$12M
Debt-to-Equity21.7
Current Ratio2.1
Total Assets$13M

Price & Trading

Last Close$0.03
Beta0.9

Financial data provenance and verification

The displayed fields were imported from yfinance on 2026-03-29 for the financial period December 2024. This is a secondary data feed and can differ from amended or newly filed statements.

Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.

About SHF Holdings, Inc. (SHFSW)

CEO
Mr. Terrance Elliot Mendez
Employees
41
Country
United States
Exchange
NASDAQ
Currency
USD

SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business checking and savings accounts, cash management accounts, savings and investment options, commercial lending, courier and vaulting services, remote deposit services, automated clearing house payments and origination, debit, and wire payments. It also provides regulatory compliance consulting, software for maintaining know your customer, and bank secrecy act compliance; origination, onboarding, verification, and servicing of cannabis-related deposit business; and sourcing, underwriting, servicing, and administering services of loans issued to cannabis businesses and related entities. In addition, the company's services allow cannabis related businesses to obtain services from financial institutions that allow them to run their business with enhanced financial insight into their business and access to resources. SHF Holdings, Inc. was founded in 2015 and is based in Golden, Colorado.

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Frequently Asked Questions

Is SHF Holdings, Inc. (SHFSW) halal to invest in?

The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.

What is SHF Holdings, Inc.'s debt ratio?

SHF Holdings, Inc.'s debt ratio is 89.9% in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.

What are SHF Holdings, Inc.'s key financial metrics?

SHF Holdings, Inc. has a market capitalization of N/A in its listing currency, and revenue of $18M. Return on equity stands at -229.7%.

How often is the screening data updated?

Calculation date: 2026-09-01. Financial period: December 2024. These dates are shown separately because regenerating this page does not refresh the underlying data.

Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.