Filing Flows

Filing Flows › Companies › SHF Holdings › Cash flow

SHF Holdings cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$1.8M in Q2 2026 · −$4.4M over twelve months

Operating cash flow−$1.8M
Free cash flow−$1.8M

Analysis

In Q2 2026, SHF Holdings generated −$1.8M of operating cash flow. That is $1.1M less than in Q2 2025 (−$675K).

Over the twelve months to Jun 30, 2026, operating cash flow was −$4.4M; the largest uses were operating cash flow ($4.4M); besides operations, cash came from other financing ($8.8M), other investing ($1.1M); the cash balance rose by $5.5M.

Operating cash flow was −$1.8M against net income of −$1.5M. The largest differences: payables −$343K, prepaid and other assets +$279K, accrued liabilities −$248K.

Free cash flow

SHF Holdings: free cash flow by quarterSHF Holdings: free cash flow by quarter$502KQ3 2024−$2.8MQ4 2024−$1.1MQ1 2025−$675KQ2 2025−$538KQ3 2025−$1.1MQ4 2025−$1.1MQ1 2026−$1.8MQ2 2026
Operating cash flow less capital spending.
SHF Holdings: operating cash flow against capital spendingSHF Holdings: operating cash flow against capital spendingOperating cash flowCapital spending$502K$0Q3 2024−$2.8M$0Q4 2024−$1.1M$0Q1 2025−$675K$0Q2 2025−$538K$0Q3 2025−$1.1M$0Q4 2025−$1.1M$0Q1 2026−$1.8M$0Q2 2026
Latest (Q2 2026): Operating cash flow −$1.8M, Capital spending $0.

Capital allocation, year by year

SHF Holdings: where the cash came from (up) and went (down), by fiscal yearSHF Holdings: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsFY2021: Operating cash flow $2.9MFY2021: Shares issued $115MFY2021: Capital spending −$6K$118MFY2021FY2022: Operating cash flow $1.7MFY2022: Capital spending −$17KFY2022: Acquisitions −$3.0M$1.7MFY2022FY2023: Operating cash flow −$832KFY2023: Net borrowing −$978KFY2023: Capital spending −$208KFY2023FY2024: Operating cash flow $430KFY2024: Net borrowing −$3.0M$430KFY2024FY2025: Operating cash flow −$3.4MFY2025: Net borrowing $294KFY2025: Shares issued $1.8M$2.1MFY2025
Over these 5 years operating cash flow totalled $824K; the largest uses were operating cash flow ($4.2M) and net borrowing ($4.0M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$7.2M
Debtnone
Net cash$7.2M
Cash runway19 months

SHF Holdings is burning cash: its operations consume cash, a free cash flow of −$4.4M a year at the current rate against $7.2M of cash and investments: a runway of about 19 months before any new financing.

Where the cash came from and went

SHF Holdings: sources (+) and uses (−) of cash, Q2 2026SHF Holdings: sources (+) and uses (−) of cash, Q2 2026Operating cash flow−$1.8MShares issued$928KOther investing$630KCash drawn (+) / kept (−)$168KOther financing$30K
SHF Holdings: sources (+) and uses (−) of cash, TTM to Q2 2026SHF Holdings: sources (+) and uses (−) of cash, TTM to Q2 2026Other financing$8.8MCash drawn (+) / kept (−)−$5.5MOperating cash flow−$4.4MOther investing$1.1M

From profit to cash

SHF Holdings: net income to operating cash flow, Q2 2026SHF Holdings: net income to operating cash flow, Q2 2026Net income−$1.5MStock-based pay$42KReceivables$9KPayables−$343KAccrued liabilities−$248KPrepaid and other assets$279KOther liabilities−$107KOperating cash flow−$1.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026−$1.8M—$928K$168K−$1.8M
Q1 2026−$1.1M—$172K$882K−$1.1M
Q4 2025−$1.1M——−$5.9M−$1.1M
Q3 2025−$538K——−$614K−$538K
Q2 2025−$675K——$684K−$675K
Q1 2025−$1.1M−$256K—$1.4M−$1.1M
Q4 2024−$2.8M−$764K—$3.5M−$2.8M
Q3 2024$502K−$755K—$251K$502K

SHF Holdings: income statement and cash flow

SHF Holdings, Q2 2026: revenue $1.9M (+5% year over year), operating margin -53.0%. The chart follows the revenue to costs, profit and cash.

SHF Holdings: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.