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SHF Holdings vs OpenWorld: SHFS and OPNW compared
SHF Holdings is the larger company: $1.9M of revenue in its latest quarter (Q2 2026) against $1.9M for OpenWorld (Q2 2026). SHF Holdings is growing faster (+5% against -58% a year earlier). OpenWorld is more profitable, with an operating margin of -29.1% against -53.0%.
Where the money goes: SHFS and OPNW
SHF Holdings (SHFS) · Q2 2026
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.
OpenWorld (OPNW) · Q2 2026
OpenWorld, Q2 2026: revenue $1.9M (-58% year over year), operating margin -29.1%, net loss $505K, operating cash flow −$291K. The chart follows the revenue to costs, profit and cash.
| SHF Holdings (SHFS) | OpenWorld (OPNW) | |
|---|---|---|
| Latest quarter | Q2 2026 | Q2 2026 |
| Revenue | $1.9M | $1.9M |
| Revenue growth, Y/Y | +5% | -58% |
| Operating margin | -53.0% | -29.1% |
| Net earnings | −$1.5M | −$505K |
| Net margin | -78.2% | -26.5% |
| Operating cash flow | −$1.8M | −$291K |
Where the revenue comes from
SHF Holdings
- Loan Program Income: $838K (43%)
- Account Fee Income: $824K (43%)
- Investments Income: $258K (13%)
- Safe Harbor Program Income: $15K (1%)
OpenWorld
- Proactive services: $1.1M (59%)
- Premium services: $754K (40%)
- Other: $34K (2%)
Questions
Which is bigger, SHF Holdings or OpenWorld?
SHF Holdings is the larger company: $1.9M of revenue in its latest quarter (Q2 2026) against $1.9M for OpenWorld (Q2 2026).
Is SHF Holdings or OpenWorld growing faster?
SHF Holdings is growing faster (+5% against -58% a year earlier).
Which is more profitable, SHF Holdings or OpenWorld?
OpenWorld is more profitable, with an operating margin of -29.1% against -53.0%.
More: SHF Holdings earnings · how SHF Holdings makes money · OpenWorld earnings · how OpenWorld makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Aug 7, 2026; 10-Q filed Aug 14, 2026). Fiscal quarters can end on different dates. Not investment advice.