SHF HoldingsSHFS +0.02%26 EV-to-FCF is 1.09 as of Jul. 02, 2026, which is 9% above its 10-year median of 1.00. GuruFocus rates SHFS with a GF Score™ of 26/100. The stock has 2 warning signs investors should review. Among 1,194 Banks companies, SHF Holdings ranks better than 75.96% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, SHF Holdings's Enterprise Value is $-3.66 Mil.
SHF Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $-3.36 Mil. Therefore, SHF Holdings's EV-to-FCF for today is 1.09.
The historical rank and industry rank for SHF Holdings's EV-to-FCF or its related term are showing as below:
SHFS'
s EV-to-FCF Range Over the Past 10 Years
Min: -108.21 Med: 1 Max: 86.69
Current: 1.09
During the past 6 years, the highest EV-to-FCF of SHF Holdings was 86.69. The lowest was -108.21. And the median was 1.00.
SHFS's EV-to-FCF is ranked better than 75.96% of 1194
companies
in the Banks industry
Industry Median: 6.565
vs SHFS: 1.09
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
SHF Holdings's PE Ratio (TTM) for today is calculated as:
SHF Holdings's share price for today is $0.2484.
SHF Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.962.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
SHF Holdings EV-to-FCF Related Terms
SHF Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for SHF Holdings's EV-to-FCF 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.
For the Banks - Regional subindustry, SHF Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, SHF Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where SHF Holdings's EV-to-FCF falls into.
SHF Holdings's current Enterprise Value is $-3.66 Mil.
SHF Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-3.36 Mil.
* 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 EV-to-FCF of 1.09 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on SHF Holdings and its competitors. This is near median its historical median of 1.00. According to the industry distribution chart, SHF Holdings ranks #287 out of 1194 companies in the Banks industry, placing it in the top 24%.
Is SHF Holdings' EV-to-FCF too high?
SHF Holdings' current EV-to-FCF of 1.09 is near median its 10-year median of 1.00. The Banks industry median EV-to-FCF is 6.57. SHF Holdings' value of 1.09 is 83.4% below this industry median. Based on the distribution chart, SHF Holdings ranks #287 out of 1194 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 26/100, reflecting its overall financial health beyond just this single metric.
How does SHF Holdings' EV-to-FCF compare to PEBC and ABBB?
According to the Banks industry distribution chart, SHF Holdings ranks #287 out of 1194 companies for EV-to-FCF. This places SHF Holdings in the top 24% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.57. SHF Holdings' value of 1.09 is 83.4% below this benchmark. While the company's 10-year median is 1.00 vs. the industry median of 6.57, SHF Holdings has consistently been below 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SHF Holdings's current EV-to-FCF of 1.09 is 83.4% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on SHF Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SHF Holdings's current EV-to-FCF is 1.09, which is near median its own 10-year median of 1.00. 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?
SHF Holdings (SHFS) has a current EV-to-FCF of 1.09. The current EV-to-FCF is 1.09, which is near median its 10-year median of 1.00 and 83.4% below the Banks industry median of 6.57. SHF Holdings' overall GF Score™ is 26/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For SHF Holdings (SHFS), the current EV-to-FCF is 1.09 as of Jul. 02, 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.
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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