Filing Flows › SHF Holdings (SHFS) › Q3 2026
SHF Holdings (SHFS) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
SHF Holdings (SHFS) reported revenue of $2.0M for the third quarter 2026 (Q3 2026), +6% from a year earlier and +0.9% from the quarter before. Operating margin was -51.3%, net loss $979K (50.2% of revenue).
SHF Holdings, Q3 2026: revenue $2.0M (+6% year over year), operating margin -51.3%, net loss $979K, operating cash flow −$1.2M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $2.0M | +0.9% | +6% |
| Operating profit | −$1.0M | — | — |
| Net earnings | −$979K | — | -646% |
| Operating cash flow | −$1.2M | — | — |
What changed
Revenue was $2.0M in Q3 2026, up 6% year over year and up 1% from the previous quarter. Loan Program Income Member] was the largest line at 45% of revenue. Loan Program Income Member] added $359K year over year (up 70%), 303% of the total change. Account Fee Income Member] declined 17%.
Operating costs exceeded revenue by $1.0M, an operating margin of -51.3%. Total costs fell 3% while revenue rose 6%. The quarter ended with a net loss of $1.0M, narrower than the previous quarter's $1.5M loss.
Operating cash flow was −$1.2M. Non-cash charges added back $42K of share-based compensation. Working capital and other items used $275K.
Questions
What was SHF Holdings' revenue in the third quarter 2026?
SHF Holdings (SHFS) reported revenue of $2.0M for the third quarter 2026 (Q3 2026), +6% from a year earlier and +0.9% from the quarter before.
Was SHF Holdings profitable in the third quarter 2026?
Operating loss was $1.0M (-51.3% of revenue) and net loss $979K.
Source: SHF Holdings 10-Q on SEC EDGAR.