{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-26-016961","form_type":"8-K","ticker":"SHFS","cik":"0001854963","company_name":"SHF Holdings, Inc.","filed_at":"2026-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.146841+00:00","generated_at":"2026-05-15T05:51:52.034545+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"SHF Holdings Q4 revenue up 12% sequentially, eliminates $18M debt, extends PCCU deal to 2031","bullets":["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'."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-26-016961","json":"https://secwatch.observer/filing/0001493152-26-016961.json","markdown":"https://secwatch.observer/filing/0001493152-26-016961.md","text":"https://secwatch.observer/filing/0001493152-26-016961.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1854963/000149315226016961/0001493152-26-016961-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1854963/000149315226016961/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:51:52.034545+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"f69ad568ced0bd7b47e1b74b308a94eb1cc2bff6","claim":"SHF Holdings, Inc. reported financial results for the fiscal year and fourth quarter ended December 31, 2025.","evidence_excerpt":"On April 16, 2026, SHF Holdings, Inc. (the \"Company\") issued a press release announcing its financial results for the fiscal year and fourth quarter ended December 31, 2025.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1854963/000149315226016961/0001493152-26-016961-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal year and fourth quarter ended December 31, 2025"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}