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SHF HoldingsSHFS -0.98%40 Cash-to-Debt is 9.21 as of Jun. 2026, which is 1488% above its 10-year median of 0.58. GuruFocus rates SHFS with a GF Score™ of 40/100 and a GF Value™ of $2.16 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 1,495 Banks companies, SHF Holdings ranks better than 84.28% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. SHF Holdings's cash to debt ratio for the quarter that ended in Jun. 2026 was 9.21.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, SHF Holdingscould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for SHF Holdings's Cash-to-Debt or its related term are showing as below:
SHFS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.58 Max: No Debt
Current: 9.21
During the past 6 years, SHF Holdings's highest Cash to Debt Ratio was No Debt. The lowest was 0.02. And the median was 0.58.
SHFS's Cash-to-Debt is ranked better than 84.28% of 1495
companies
in the Banks industry
Industry Median: 1.37
vs SHFS: 9.21
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
SHF Holdings Cash-to-Debt Related Terms
SHF Holdings Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for SHF Holdings's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, SHF Holdings's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SHF Holdings Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, SHF Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where SHF Holdings's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SHF Holdings (SHFS) has a Cash-to-Debt of 9.21 as of Jun. 2026. This is 1488% above median its historical median of 0.58. Over the past decade, SHF Holdings' Cash-to-Debt has ranged from 0.02 to 10,000.00. According to the industry distribution chart, SHF Holdings ranks #235 out of 1495 companies in the Banks industry, placing it in the top 15.7%.
Is SHF Holdings' Cash-to-Debt too high?
SHF Holdings' current Cash-to-Debt of 9.21 is 1488% above median its 10-year median of 0.58. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.37. SHF Holdings' value of 9.21 is 572.3% above this industry median. Based on the distribution chart, SHF Holdings ranks #235 out of 1495 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SHF Holdings has a GF Score™ of 40/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SHF Holdings' Cash-to-Debt compare to ABBB and PNC?
According to the Banks industry distribution chart, SHF Holdings ranks #235 out of 1495 companies for Cash-to-Debt. This places SHF Holdings in the top 16% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.37. SHF Holdings' value of 9.21 is 572.3% above this benchmark. Historically, SHF Holdings' own Cash-to-Debt has ranged from 0.02 to 10,000.00 over the past decade. While the company's 10-year median is 0.58 vs. the industry median of 1.37, SHF Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SHF Holdings's current Cash-to-Debt of 9.21 is 572.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SHF Holdings's current Cash-to-Debt is 9.21, which is 1488% above median its own 10-year median of 0.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SHF Holdings stock overvalued right now?
Based on GuruFocus' analysis, SHF Holdings (SHFS) is currently considered Possible Value Trap. The stock's GF Value™ is $2.16, compared to a current price of $0.17 — trading 92.2% below its estimated fair value. The current Cash-to-Debt is 9.21, which is 1488% above median its 10-year median of 0.58 and 572.3% above the Banks industry median of 1.37. SHF Holdings' overall GF Score™ is 40/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For SHF Holdings (SHFS), the current Cash-to-Debt is 9.21 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SHF Holdings (SHFS) Overvalued in 2026?
Based on GuruFocus' analysis, SHF Holdings stock appears to be undervalued.
The current stock price of $0.17 is trading 92.2% below its estimated GF Value™ of $2.16.
GuruFocus considers SHF Holdings to be Possible Value Trap.
Key valuation signals for SHFS:
Cash-to-Debt: 9.21 (1488% above median its 10-year median of 0.58)
GF Value™: $2.16 vs. price of $0.17 (92.2% below fair value)
Industry Position: 572.3% above the Banks median (#235 of 1495)
No single metric tells the full story. See the SHFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SHF Holdings Inc is a financial services provider to cannabis-related businesses. It offers reliable access to banking solutions for cannabis, hemp, CBD, and ancillary operators, making communities safer, driving growth in local economies, and fostering long-term partnerships. The company provides compliance and loan origination services to financial institutions that wish to offer business banking, private banking, and commercial banking services to clients operating in or adjacent to the state-legal cannabis industry. Its core service offerings include: Regulatory compliance consulting and technology, Cannabis-related deposit services and Lending services. The company generates revenue through fee income, investment income, and loan program income.
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