secwatch.observer — SEC 8-K summary
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Issuer:     SHF Holdings, Inc. (SHFS)
CIK:        0001854963
Form:       8-K
Filed at:   2026-04-16T23:59:59+00:00
Accession:  0001493152-26-016961
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1854963/000149315226016961/0001493152-26-016961-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1854963/000149315226016961/form8-k.htm
  HTML page:      https://secwatch.observer/filing/0001493152-26-016961

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer