SHF Holdings vs Usio
Usio is the larger business, with $85.4m of revenue in fiscal 2025 against $7.7m for SHF Holdings (11.1 times as much). Usio grew faster (3.0% against -49.7%). Usio kept more of each dollar of sales as profit: a net margin of -2.9% against -28.2%.
| Latest fiscal year | SHF HoldingsSHFS, 2025 | UsioUSIO, 2025 |
|---|---|---|
| Revenue | $7.7m | $85.4m |
| Revenue growth | -49.7% | 3.0% |
| Net income | −$2.2m | −$2.5m |
| Operating margin | -70.4% | — |
| Net margin | -28.2% | -2.9% |
| Return on equity | — | -13.6% |
| Free cash flow | −$3.4m | $1.1m |
| Cash | $6.8m | $7.4m |
| Total debt | $0 | $1.4m |
| Debt to equity | 0.0% | — |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | — | $1.1m |
| Employees | 39 | 107 |
| Market value | $479,752 | $84.7m |
| Price vs our value range | — | — |
| Moat score | — | 27 (Weak) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 16 sales |