SHF Holdings Q4 revenue up 12% sequentially, eliminates $18M debt, extends PCCU deal to 2031

SHF Holdings, Inc.

Q4 revenue $2.1M (+12% QoQ); net loss $0.6M vs $51.7M loss in Q4 2024.
Eliminated substantially all $18M debt; equity positive $8.2M from $12.3M deficit.
Ended 2025 with $6.8M cash; PCCU agreement extended to 2031 with up to 65% loan income share.
Loan program income $0.9M in Q4 (+70% QoQ); full-year revenue $7.7M vs $15.2M in 2024.
Operating expenses down 72% YoY in Q4 to $3.3M; CEO cites 'operating leverage inflection'.

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