SHF Holdings, Inc. (SHFS) Fair Value 2026

SHFS · Finance Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

4.3 /10

32 fundamental signals · 3 models active

Value Trap Risk

LOW (36/100)

Quick Summary — As of 2026-07-15, SHF Holdings, Inc. (SHFS) trades at $0.21. QOC: 4.3/10. Value Trap Risk: 36/100 (LOW). 3/13 models active.

Key Facts

Ticker
SHFS
Price
$0.21
Quality Score
4.3/10
Value Trap Risk
36/100
Models Active
3/13
Last Updated
Strength: ML-RIV suggests +375.1% upside with 37% confidence
Risk: Below-average Quality Score of 4.3/10 signals weak fundamentals

Is SHF Holdings, Inc. (SHFS) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, SHF Holdings, Inc. (SHFS) appears undervalued as of : the median of 3 independent fair value estimates is $0.33, 56.1% above the current price of $0.21. Estimates range from $0.01 to $1.00. SHFS scores 4.3/10 on fundamental quality and 36/100 on value-trap risk.

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy SHF Holdings, Inc. Stock in 2026? →

Valuation Matrix

3 Intrinsic Value Models vs. Current Price ($0.21)

Core Models (Unlocked)
Model Fair Value Upside
Dynamic NAV
Medium Conviction
$0.33 +56.1%
ML-RIV
Medium Conviction
$1.00 +375.1%
Regime Cross-Sectional
Low Conviction
$0.01 -95.2%

All Models Active

All 3 models are displayed above.

What Is SHF Holdings, Inc. (SHFS) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, SHF Holdings, Inc.'s intrinsic value is estimated at $0.45, suggesting a +112.0% average upside from the current price of $0.21. While 2 models see room for appreciation, model agreement is not unanimous as 1 model flags potential overvaluation. Model dispersion is worth noting: ML-RIV targets $1.00 (+375.1%), versus Regime Cross at $0.01 (-95.2%). This +470.3% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About SHFS?

3 of 13 models are currently active for SHFS. Of these, 2 models suggest upside while 1 model suggests overvaluation. See which stocks rank higher →

How Does SHFS Rank in Finance Services?

Among 114 Finance Services stocks, SHFS ranks #92 by Quality of Company score. CirclFi's QOC score of 4.3/10 evaluates 32 fundamental signals. A score of 4.3 reflects mixed fundamentals.

See all Most Undervalued Finance Services Stocks →

SHF Holdings, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.

Is SHFS a Value Trap?

CirclFi's Value Trap algorithm assigns SHFS a score of 36/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for SHF Holdings, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, SHF Holdings, Inc. scores 4.3 out of 10 on our 32-signal quality assessment, a moderate rating that shows mixed signals across our quality framework with notable weaknesses. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +470.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SHFS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SHFS's 3 active models, average confidence is 29%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy SHF Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Finance Services Stocks Should You Also Analyze?

8 related Finance Services stocks with 13-model coverage

Read investment analysis: QFIN · XYF · COIN · SII · JFIN

See all Finance Services stocks ranked →

Frequently Asked Questions About SHF Holdings, Inc.

What is SHF Holdings, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, SHF Holdings, Inc. (SHFS) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value. The Quality of Company score is 4.3/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SHFS overvalued or undervalued right now?

At $0.21, 2 of 3 active models suggest SHFS may be undervalued, while 1 indicate potential overvaluation. The median of all 3 fair value estimates is $0.33, 56.1% above the current price of $0.21 — a consensus view that SHFS is undervalued. The assessment depends on which methodology best fits SHF Holdings, Inc.'s business model in Finance Services.

What does a Quality of Company score of 4.3 mean for SHFS?

SHF Holdings, Inc.'s QOC of 4.3/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores below 5 flag potential fundamental weaknesses requiring careful analysis.

How many valuation models does CirclFi run on SHFS?

CirclFi analyzes SHFS with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Is SHFS a value trap in 2026?

SHF Holdings, Inc.'s Value Trap score is 36/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 3-model valuation engine, SHF Holdings, Inc. (SHFS) has a median fair value of $0.33 — 56.1% above the current price of $0.21 — as of 2026-07-15.” Source: circlfi.com/stock/SHFS/ · Methodology