---
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"
generated_at: "2026-05-15T05:51:52.034545+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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'.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-016961
- JSON: https://secwatch.observer/filing/0001493152-26-016961.json
- Plain text: https://secwatch.observer/filing/0001493152-26-016961.txt

## Key facts
- Earnings Releases
  SHF Holdings, Inc. reported financial results for the fiscal year and fourth quarter ended December 31, 2025.
  - Period: the fiscal year and fourth quarter ended December 31, 2025
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1854963/000149315226016961/0001493152-26-016961-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.