<span item_type="fundamental" item_id="91481ec0f338be94f1953ac2e4947a42" counter_id="ST/US/SHFSW" env="prod"></span><span item_type="announcement" item_id="549463447056616577" env="prod"></span><p>Revenue: As of FY2025 Q2, the actual value is USD 1.845 M.</p><p>EPS: As of FY2025 Q2, the actual value is USD -0.33.</p><p>EBIT: As of FY2025 Q2, the actual value is USD -872.77 K.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Account Fee Income</strong>: For the three months ended June 30, 2025, account fee income was $1,009,730, a decrease of 40.0% compared to $1,681,596 for the same period in 2024. For the six months ended June 30, 2025, account fee income was $2,082,195, a decrease of 37.0% compared to $3,302,590 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1854963/000164117225024215/form10-q.htm"></span></li><li><strong>Loan Interest Income</strong>: For the three months ended June 30, 2025, loan interest income was $555,971, a decrease of 69.7% compared to $1,836,092 for the same period in 2024. For the six months ended June 30, 2025, loan interest income was $1,096,193, a decrease of 68.4% compared to $3,472,848 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1854963/000164117225024215/form10-q.htm"></span></li><li><strong>Investment Income</strong>: For the three months ended June 30, 2025, investment income was $260,403, a decrease of 48.0% compared to $500,617 for the same period in 2024. For the six months ended June 30, 2025, investment income was $560,838, a decrease of 56.0% compared to $1,274,436 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1854963/000164117225024215/form10-q.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: For the three months ended June 30, 2025, net loss was - $930,715 compared to a net income of $941,527 for the same period in 2024. For the six months ended June 30, 2025, net loss was - $1,757,914 compared to a net income of $2,991,203 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1854963/000164117225024215/form10-q.htm"></span></li><li><strong>Operating Expenses</strong>: For the three months ended June 30, 2025, operating expenses were $2,816,376, a decrease of 24.6% compared to $3,737,372 for the same period in 2024. For the six months ended June 30, 2025, operating expenses were $6,740,223, a decrease of 9.7% compared to $7,463,230 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1854963/000164117225024215/form10-q.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Operating Cash Flow</strong>: For the six months ended June 30, 2025, cash used in operating activities was - $1,815,338 compared to cash provided by operating activities of $2,704,637 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1854963/000164117225024215/form10-q.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Average Monthly Deposit Balance</strong>: For the six months ended June 30, 2025, the average monthly deposit balance was $103,756,620, a decrease of 17.6% compared to $125,852,436 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1854963/000164117225024215/form10-q.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The company is actively engaged in discussions with potential investors, lenders, acquirers, investment banks, and strategic partners to secure additional capital through debt and equity financing or other strategic alternatives. Management is also exploring the potential use of its Nasdaq listing as part of a broader strategy that may include digital assets or treasury-related partnerships.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1854963/000164117225024215/form10-q.htm"></span></li><li><strong>Non-Core Business</strong>: The company is pursuing strategic partnerships aimed at expanding its service offerings to cannabis-related businesses and renegotiating terms under its Amended PCCU Note.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1854963/000164117225024215/form10-q.htm"></span></li></ul>

SHF HOLDINGS INC C/WTS 28/09/27 (TO PUR COM) | 10-Q: FY2025 Q2 Revenue: USD 1.845 M