SHFS vs. T

Last updated Apr 1, 2026

Compare and contrast key facts about SHF Holdings Inc (SHFS) and AT&T Inc. (T).

Performance

SHFS vs. T - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in SHF Holdings Inc (SHFS) and AT&T Inc. (T). The values are adjusted to include any dividend payments, if applicable.

SHFS vs. T - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
SHFS SHF Holdings Inc	-21.65%	-88.23%	-68.29%	-20.00%	-82.37%	1.92%
T AT&T Inc.	18.07%	13.97%	44.08%	-2.74%	5.76%	-9.04%

Fundamentals

Market Cap SHFS : $35.36M T : $208.12B
EPS SHFS : -$2.35 T : $3.04
PS Ratio SHFS : 1.76 T : 1.66
PB Ratio SHFS : 5.05 T : 1.67
Total Revenue (TTM) SHFS : $10.74M T : $125.65B
Gross Profit (TTM) SHFS : $11.70M T : $100.22B
EBITDA (TTM) SHFS : -$9.08M T : $53.20B

Returns By Period

In the year-to-date period, SHFS achieves a -21.65% return, which is significantly lower than T's 18.07% return.

SHFS

• 1D: 2.94%
• 1M: -9.30%
• YTD: -21.65%
• 6M: -88.40%
• 1Y: -80.64%
• 3Y*: -56.66%
• 5Y*: —
• 10Y*: —

T

• 1D: 0.73%
• 1M: 3.50%
• YTD: 18.07%
• 6M: 4.97%
• 1Y: 6.99%
• 3Y*: 21.14%
• 5Y*: 11.20%
• 10Y*: 5.86%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

SHFS vs. T — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SHFS

SHFS Risk / Return Rank: 20
SHFS Sharpe Ratio Rank: 23
SHFS Sortino Ratio Rank: 28
SHFS Omega Ratio Rank: 28
SHFS Calmar Ratio Rank: 7
SHFS Martin Ratio Rank: 14

T

T Risk / Return Rank: 49
T Sharpe Ratio Rank: 54
T Sortino Ratio Rank: 45
T Omega Ratio Rank: 44
T Calmar Ratio Rank: 51
T Martin Ratio Rank: 52

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SHFS vs. T - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SHF Holdings Inc (SHFS) and AT&T Inc. (T). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	SHFS	T	Difference
Sharpe ratio Return per unit of total volatility	-0.40	0.31	-0.71
Sortino ratio Return per unit of downside risk	-0.05	0.58	-0.63
Omega ratio Gain probability vs. loss probability	0.99	1.07	-0.08
Calmar ratio Return relative to maximum drawdown	-0.91	0.36	-1.27
Martin ratio Return relative to average drawdown	-1.34	0.81	-2.15
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SHFS vs. T - Sharpe Ratio Comparison

The current SHFS Sharpe Ratio is -0.40, which is lower than the T Sharpe Ratio of 0.31. The chart below compares the historical Sharpe Ratios of SHFS and T, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	SHFS	T	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.40	0.31	-0.71
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.47	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.25	—
Sharpe Ratio (All Time) Calculated using the full available price history	-0.53	0.40	-0.94

Correlation

The correlation between SHFS and T is -0.01. This indicates that the assets' prices tend to move in opposite directions. Negative correlation can be particularly beneficial for diversification and risk management, as one asset may offset the losses of the other during market fluctuations.

Dividends

SHFS vs. T - Dividend Comparison

SHFS has not paid dividends to shareholders, while T's dividend yield for the trailing twelve months is around 3.83%.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SHFS SHF Holdings Inc	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
T AT&T Inc.	3.83%	4.47%	4.87%	6.62%	6.66%	8.46%	7.23%	5.22%	7.01%	5.04%	4.51%	5.46%

Drawdowns

SHFS vs. T - Drawdown Comparison

The maximum SHFS drawdown since its inception was -99.65%, which is greater than T's maximum drawdown of -64.15%. Use the drawdown chart below to compare losses from any high point for SHFS and T.

Drawdown Indicators

	SHFS	T	Difference
Max Drawdown Largest peak-to-trough decline	-99.65%	-64.15%	-35.50%
Max Drawdown (1Y) Largest decline over 1 year	-89.15%	-20.60%	-68.55%
Max Drawdown (5Y) Largest decline over 5 years	—	-36.68%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-42.35%	—
Current Drawdown Current decline from peak	-99.64%	-0.38%	-99.26%
Average Drawdown Average peak-to-trough decline	-71.89%	-15.74%	-56.15%
Ulcer Index Depth and duration of drawdowns from previous peaks	60.86%	9.06%	+51.80%

Volatility

SHFS vs. T - Volatility Comparison

SHF Holdings Inc (SHFS) has a higher volatility of 33.39% compared to AT&T Inc. (T) at 6.70%. This indicates that SHFS's price experiences larger fluctuations and is considered to be riskier than T based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SHFS	T	Difference
Volatility (1M) Calculated over the trailing 1-month period	33.39%	6.70%	+26.69%
Volatility (6M) Calculated over the trailing 6-month period	87.65%	16.42%	+71.23%
Volatility (1Y) Calculated over the trailing 1-year period	204.53%	22.39%	+182.14%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	130.59%	23.82%	+106.77%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	130.59%	23.49%	+107.10%

Financials