SHF Holdings, Inc. is classed by the SEC under Finance Services (industry code 6199), based in Golden, CO. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $8 million and a loss of $2 million (its filed statements).
Lending businessFinance ServicesGolden, COfilings since 20218 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6199, Finance Services); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.5 out of ten, 8 of 9 metrics filed and 1 estimated: past 4.0 out of ten, present 4.1 out of ten, future 5.9 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 0.0 out of ten. 24 warning events since 2021; the latest 2026-04-24. 0th percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 3.7 out of ten. +2.3% a year over 5 filed years; profitable in 1 of 5. 37th percentile among 104 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 9.6 out of ten. CrossAssetData estimate 9.6/10, confidence 35 of 100 (one part). 96th percentile among 115 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Financial health (present): 5.3 out of ten. ROE -26%: lost 26¢ per shareholder dollar. Leverage 52%: owes 52¢ per asset dollar. 53rd percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 3.7 out of ten. bottom 37% of 114 in its family; net margin -28.2%. 37th percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 2.2 out of ten. bottom 22% of 49 in its family for leadership; chief executive since 2025. 22nd percentile among 49 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 7.0 out of ten. top 29% of 108 in its family for room to expand. 71st percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 4.7 out of ten. bottom 47% of 100 in its family for growth drivers. 47th percentile among 100 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 6.0 out of ten. top 40% of 79 in its family for expectations against reality. 60th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-04-15 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-10-06 (on EDGAR). Newest filing: Form 8-K, 2026-10-06. Filings on record since 2021. Read from EDGAR 2026-10-12.
Who runs it
Mendez, Terrance Elliot (Director, CEO and CFO); Kay, Jeffrey R. (Chief Marketing Officer); Regan, Michael (Chief Inv. & Strat. Officer); Beck, Douglas (PAO SVP of Finance Controller); Carleton, Richard (director); Braun, III Francis A (director). 6 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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