REFI Share Price Performance
US$11.86
-2.01 (-14.49%)
1.2% undervalued intrinsic discount
US$12.00
Fair Value
Price US$11.86
AnalystLowTarget US$12.00
AnalystConsensusTarget US$17.63
AnalystHighTarget US$20.00
Fair ValueUS$12.00
Share Pricen/a
Chicago Atlantic Real Estate Finance, Inc. Stock Price
- 3 Narratives written by author
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- 20 Fair Values set on narratives written by author
REFI Community Narratives
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Fair Value US$12 1.2% undervalued intrinsic discount
Cannabis Exposure Will Pressure Margins While Opportunities Slowly Emerge
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Fair Value US$17.63 32.7% undervalued intrinsic discount
Cannabis Lending Expansion Will Unlock Opportunities Amid Credit Risks
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AN
Fair Value US$20 40.7% undervalued intrinsic discount
Expanding Cannabis Legalization Will Transform Credit Markets Despite Risks
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Cannabis Exposure Will Pressure Margins While Opportunities Slowly Emerge
Key Takeaways Heavy dependence on cannabis lending exposes the company to sector-specific legal risks and threatens long-term credit stability if regulations shift or market conditions worsen. Intensifying competition from traditional banks and new fintech platforms could erode loan yields, margins, and sustainable earnings if the company fails to diversify.Read more
28
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AN
US$12
1.2% undervalued intrinsic discount
Fair Value
Revenue
3.94% p.a.
Profit Margin
64.88%
Future PE
7.75x
Price in 2029
US$14.4
Expanding Cannabis Legalization Will Transform Credit Markets Despite Risks
Key Takeaways Unique scale and first-mover advantage in specialty cannabis lending allow for rapid pipeline growth, strong pricing power, and sustained industry-leading profit margins. Broad, flexible credit facilities and operational efficiencies position the company to capture outsized growth as cannabis legalization expands and refinancing needs accelerate.Read more
9
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AN
US$20
40.7% undervalued intrinsic discount
Fair Value
Revenue
5.75% p.a.
Profit Margin
49.32%
Future PE
18.43x
Price in 2028
US$23.36
Cannabis Lending Expansion Will Unlock Opportunities Amid Credit Risks
Key Takeaways Continued regulatory barriers for cannabis operators enable pricing power and high yields, supporting strong net interest margins and profitability. Strategic positioning and portfolio diversification allow for steady growth, scalable earnings, and resilience against credit losses in the evolving cannabis finance market.Read more
72
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AN
US$17.63
32.7% undervalued intrinsic discount
Fair Value
Revenue
2.21% p.a.
Profit Margin
52.08%
Future PE
17.04x
Price in 2028
US$20.58
Trending Discussion
Recently Updated Narratives
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REFI: Higher Non Accruals And Downgrade Will Shape Future Return Expectations
Fair Value: US$12 1.2% undervalued intrinsic discount
1 fair value setusers have set this as their fair value
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AN
Expanding Cannabis Legalization Will Transform Credit Markets Despite Risks
Fair Value: US$20 40.7% undervalued intrinsic discount
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0 commentsusers have commented on this narrative
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AN
Cannabis Lending Expansion Will Unlock Opportunities Amid Credit Risks
Fair Value: US$17.63 32.7% undervalued intrinsic discount
7 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
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Snowflake Analysis
Chicago Atlantic Real Estate Finance, Inc. Key Details
Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
n/a
- 1.71
- 100.00%
- 65.88%
- 32.0%
About REFI
- Founded
- 2021
- Employees
- n/a
- CEO
- WebsiteView website
Chicago Atlantic Real Estate Finance, Inc. operates as a commercial mortgage real estate investment trust in the United States. It engages in originating, structuring, and investing in first mortgage loans and alternative structured financings secured by commercial real estate properties. The company’s loan portfolio is comprised of senior loans to state-licensed operators in the cannabis industry. It has elected to be taxed as a real estate investment trust (REIT) and would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. Chicago Atlantic Real Estate Finance, Inc. was incorporated in 2021 and is based in Miami Beach, Florida.
