Filing Flows › SHF Holdings (SHFS) › Q2 2026
SHF Holdings (SHFS) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 7, 2026
SHF Holdings (SHFS) reported revenue of $1.9M for the second quarter 2026 (Q2 2026), +5% from a year earlier and -2% from the quarter before. Operating margin was -53.0%, net loss $1.5M (78.2% of revenue).
SHF Holdings, Q2 2026: revenue $1.9M (+5% year over year), operating margin -53.0%, net loss $1.5M, operating cash flow −$1.8M. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.9M | -2% | +5% |
| Operating profit | −$1.0M | — | — |
| Net earnings | −$1.5M | — | — |
| Operating cash flow | −$1.8M | — | — |
What changed
Revenue was $1.9M in Q2 2026, up 5% year over year and down 2% from the previous quarter. Loan Program Income was the largest line at 43% of revenue. Loan Program Income added $282K year over year (up 51%), 315% of the total change. Safe Harbor Program Income declined 22%.
Operating costs exceeded revenue by $1.0M, an operating margin of -53.0%. Total costs grew 5% against revenue growth of 5%. The fastest-growing cost line was General & admin (+94%). The quarter ended with a net loss of $1.5M, narrower than the previous quarter's $1.8M loss.
Operating cash flow was −$1.8M. Non-cash charges added back $42K of share-based compensation. Working capital and other items used $284K.
Questions
What was SHF Holdings' revenue in the second quarter 2026?
SHF Holdings (SHFS) reported revenue of $1.9M for the second quarter 2026 (Q2 2026), +5% from a year earlier and -2% from the quarter before.
Was SHF Holdings profitable in the second quarter 2026?
Operating loss was $1.0M (-53.0% of revenue) and net loss $1.5M.
Source: SHF Holdings 10-Q on SEC EDGAR.