---
title: "SHF HOLDINGS INC C/WTS 28/09/27 (TO PUR COM) | 8-K: FY2025 Q4 Revenue: USD 2.1 M"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/281345550.md"
datetime: "2026-04-01T10:12:09.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/281345550.md)
  - [en](https://longbridge.com/en/news/281345550.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/281345550.md)
generator: "portal-rs"
---

# SHF HOLDINGS INC C/WTS 28/09/27 (TO PUR COM) | 8-K: FY2025 Q4 Revenue: USD 2.1 M

Revenue: As of FY2025 Q4, the actual value is USD 2.1 M.

### Fourth Quarter 2025 Financial Summary

#### Segment Revenue

-   Total Revenue: $2.1 million for Q4 2025, an increase from $1.8 million in Q3 2025, but a decrease from $3.7 million in Q4 2024 .
-   Loan Program Income: $0.9 million for Q4 2025, up from $0.5 million in Q3 2025, but down from $1.8 million in Q4 2024 .

#### Operational Metrics

-   Sequential Revenue Change (vs. Q3 2025): Increased by 12% .
-   Sequential Loan Program Income Change: Increased by 71% .

### Full Year 2025 Financial Summary

#### Segment Revenue

-   Deposit, activity, onboarding income: $4.0 million for FY 2025, a -39% change from $6.4 million in FY 2024 .
-   Loan Program Income: $2.5 million for FY 2025, a -63% change from $6.6 million in FY 2024 .
-   Investment Income: $1.2 million for FY 2025, a -45% change from $2.1 million in FY 2024 .
-   Safe Harbor Program Income: $0.1 million for FY 2025, showing 0% change from $0.1 million in FY 2024 .
-   Total Revenue: $7.7 million for FY 2025, a -50% change from $15.2 million in FY 2024 . The decline in revenue was primarily due to revised interest allocation provisions and a reduction in active accounts, while Investment Income was impacted by lower Federal Reserve interest rates .

### Selected Consolidated Balance Sheet Summary

#### Cash and Cash Equivalents

-   Cash and Cash Equivalents: $6.8 million as of December 31, 2025, a 192% increase from $2.3 million as of December 31, 2024 .

#### Total Debt

-   Total Debt: $0.0 million as of December 31, 2025, a -100% change from $18.3 million as of December 31, 2024 .
-   The September 2025 Recapitalization eliminated substantially all of the Company’s $18.3 million in debt and raised $6.8 million in new capital, restoring positive stockholders’ equity .

### Operational Metrics

-   Material Weaknesses: The majority have been remediated .
-   PCCU CAA Term: Extended through 2031, compared to a prior expiration of 2029 .
-   Loan Program Income Share: Increased to up to 65%, from a prior share of 35% .
-   Asset Hosting Fee: A 23% reduction with a graduated calculation is expected to save approximately $0.2 million annually .
-   Board of Directors: Now consists of 5 members, with PCCU no longer having appointment rights, reduced from 7 members with PCCU appointment rights .
-   Senior Financial Leadership: Now includes a CEO/CFO and PAO with Big 4 experience .

### Outlook / Guidance

Safe Harbor Financial expects to enter 2026 with a different revenue profile due to its PCCU partnership extension through 2031 with improved economics . The company has expanded its offerings to include insurance, payments, and consulting solutions . The Annual Report on Form 10-K is expected to be filed within the fifteen-calendar-day extension period, though preliminary unaudited figures could change .

### Related Stocks

- [SHFSW.US](https://longbridge.com/en/quote/SHFSW.US.md)

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**