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SHF Holdings (SHFS) investor relations material
SHF Holdings IPO filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.IPO filing summary26 Sep, 2025
Company overview and business model
Provides compliance, onboarding, monitoring, and loan origination services to financial institutions serving cannabis-related businesses (CRBs) in 41 U.S. states and territories.
Operates a proprietary fintech platform enabling partner institutions to offer compliant banking, payments, and lending to CRBs.
Revenue streams include account fees, investment income, loan interest, and compliance services; primary relationships are with Partner Colorado Credit Union (PCCU) and other banks.
Mission is to be the leading financial services provider for the cannabis industry, leveraging compliance expertise and technology.
Financial performance and metrics
2024 revenue was $15.2 million, down 13% from 2023, driven by declines in account fees and investment income.
Net loss for 2024 was $48.3 million, with an accumulated deficit of $122.5 million as of June 30, 2025.
Cash and cash equivalents were $247,318 as of June 30, 2025, with a net working capital deficit of $7.4 million.
Adjusted EBITDA for 2024 was $2.9 million, down from $3.6 million in 2023.
Operating expenses decreased 42% in 2024 due to cost reductions, but impairment charges and legal expenses remained significant.
Use of proceeds and capital allocation
May receive up to $150 million in gross proceeds from CREO under the equity line, with potential to increase to $500 million.
Proceeds intended for working capital and general corporate purposes; management has broad discretion over use.
Pending allocation, proceeds may be invested in money market funds, U.S. government obligations, or held as cash.
How will CREO financing impact liquidity beyond Oct 2025?
Assess the profitability impact of the Amended PCCU CAA
How will IT control weaknesses impacting PCCU systems be resolved?
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Next SHF Holdings earnings date
Q3 202511 Nov, 2025
Next SHF Holdings earnings date
Q3 202511 Nov, 2025
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Frequently asked questions
SHF Holdings Inc. provides financial services and banking solutions tailored to the cannabis industry. The company offers a range of services, including deposit accounts, cash management, lending, and compliance solutions, specifically designed to meet the needs of cannabis-related businesses that face challenges accessing traditional banking services. SHF Holdings works to ensure regulatory compliance while offering secure and reliable financial services to cannabis operators, facilitating smooth financial operations within this highly regulated industry. The company is headquartered in Golden, Colorado, and its shares are listed on the NASDAQ.
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