REFI Stock Overview
Chicago Atlantic Real Estate Finance, Inc. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 1/6 |
| Past Performance | 1/6 |
| Financial Health | 4/6 |
| Dividends | 2/6 |
Rewards
Risk Analysis
Community vs My Fair Value
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Chicago Atlantic Real Estate Finance, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$13.91 |
| 52 Week High | US$16.47 |
| 52 Week Low | US$12.76 |
| Beta | 0.32 |
| 1 Month Change | -10.37% |
| 3 Month Change | -11.18% |
| 1 Year Change | -9.44% |
| 3 Year Change | -23.40% |
| 5 Year Change | n/a |
| Change since IPO | -15.65% |
Recent News & Updates
Recent updates
Expanding In Emerging Cannabis Markets Sparks Growth, Yet Federal Uncertainty And Market Volatility Lurk
Sep 25 Expansion into newly legalizing markets and conservative underwriting positions the company for growth while managing risk effectively.Chicago Atlantic Real Estate Finance: 12% Dividend Yield As Cannabis Set For Reclassification
Jun 04Chicago Atlantic Real Estate Finance: Worth Adding At A Lower Price
Feb 28Chicago Atlantic Real Estate Finance declares $0.47 dividend
Sep 14Chicago Atlantic Real Estate Finance: A New Cannabis Lender With A 12.2% Yield
Aug 28Chicago Atlantic Real Estate Finance Non-GAAP EPS of $0.50, Net Interest Income of $11.4M misses by $0.03M
Aug 09Chicago Atlantic Real Estate Finance: Cannabis Lender Stuck Between A Rock And A Hard Place
May 27Shareholder Returns
| REFI | US Mortgage REITs | US Market | |
|---|---|---|---|
| 7D | 3.8% | -4.7% | -3.0% |
| 1Y | -9.4% | -10.0% | 4.6% |
Return vs Industry: REFI matched the US Mortgage REITs industry which returned -10% over the past year.
Return vs Market: REFI underperformed the US Market which returned 4.6% over the past year.
Price Volatility
| REFI volatility | |
|---|---|
| REFI Average Weekly Movement | 2.9% |
| Mortgage REITs Industry Average Movement | 4.9% |
| Market Average Movement | 7.7% |
| 10% most volatile stocks in US Market | 16.9% |
| 10% least volatile stocks in US Market | 4.0% |
Stable Share Price: REFI has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: REFI's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2021 | n/a | Tony Cappell | www.refi.reit |
Chicago Atlantic Real Estate Finance, Inc. operates as a commercial mortgage real estate investment trust in the United States. The company engages in originating, structuring, and investing in first mortgage loans and alternative structured financings secured by commercial real estate properties. Its portfolio primarily includes first mortgage loans to established multi-state or single-state cannabis operators or property owners.
Chicago Atlantic Real Estate Finance, Inc. Fundamentals Summary
| REFI fundamental statistics | |
|---|---|
| Market cap | US$288.96m |
| Earnings (TTM) | US$37.05m |
| Revenue (TTM) | US$55.53m |
7.8x
P/E Ratio5.2x
P/S RatioIs REFI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| REFI income statement (TTM) | |
|---|---|
| Revenue | US$55.53m |
| Cost of Revenue | US$0 |
| Gross Profit | US$55.53m |
| Other Expenses | US$18.49m |
| Earnings | US$37.05m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
May 07, 2025
| Earnings per share (EPS) | 1.77 |
| Gross Margin | 100.00% |
| Net Profit Margin | 66.71% |
| Debt/Equity Ratio | 33.7% |
How did REFI perform over the long term?
See historical performance and comparisonDividends
14.8%
Current Dividend Yield98%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/04/17 23:57 |
| End of Day Share Price | 2025/04/17 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Chicago Atlantic Real Estate Finance, Inc. is covered by 4 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Aaron Grey | Alliance Global Partners |
| Aaron Hecht | Citizens JMP Securities, LLC |
| Merrill Ross | Compass Point Research & Trading, LLC |