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Chicago Atlantic Real Estate Finance, Inc. (REFI)

Profile

Full Name

Chicago Atlantic Real Estate Finance, Inc.

Ticker

NASDAQ: REFI

Exchange

NASDAQ

Sector

Real Estate

Industry

Mortgage

Country

United States

IPO

December 8, 2021

Indexes

Not included

Website

https://www.refi.reit

Employees

-

Key Details

Price

$13.46(+0.64%)

Market cap

$283.56M(Small cap)

Last Dividend

$0.47

TTM Dividend yield

15.31%

Annual revenue

$62.18M(-1.31% YoY)

Annual EPS

$1.88(-10.90% YoY)

PE ratio

7.35

Next earnings date

Nov 6, 2025

Next ex-dividend date

Sep 30, 2025

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $13.46
    REFI price is $13.46

    30-Day Relative Volume

    1.16
    REFI 30-day relative volume is 1.16

    Price Performance

    Price Today change

    +0.64%
    REFI price is up +0.64% today

    Price YTD change

    -12.74%
    REFI price is down -12.74% since January 1st

    Price 1-year change

    -16.64%
    REFI price is down -16.64% year-on-year

    Price 3-year change

    -9.82%
    REFI price is down -9.82% over the past 3 years

    Price Range

    Price All-time high

    $20.29
    REFI price is currently -33.69% below its historical high of $20.29

    Price 3-year low

    $12.76
    REFI price is currently +5.45% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $283.56M
    REFI market capitalization is $283.56 million

    Market cap 3-year change

    +7.63%
    REFI market capitalization is up +7.63% over the past 3 years

    Market cap All-time high

    $356.87M
    REFI market capitalization is currently -20.54% below its historical high of $356.87 million

    Market cap sector rank

    27.24%
    REFI market capitalization is higher than 27.24% of companies in Real Estate sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +7.39%
    REFI shares outstanding is up +7.39% year-on-year

    Shares Outstanding 3-Year Change

    +19.35%
    REFI shares outstanding is up +19.35% over the past 3 years

    Technical Indicators

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    Beta

    0.33
    REFI beta is 0.33

    200-day SMA

    $14.79
    REFI price is currently -9.01% below its 200-day simple moving average

    50-day SMA

    $13.78
    REFI price is currently -2.34% below its 50-day simple moving average

    RSI

    39.82
    REFI 14-day relative strength index is 39.82

    Volume

    1.16
    REFI 30-day relative volume is 1.16

    ATR

    $0.32
    REFI average true range is $0.32

    10-day Historical Volatility

    37.06%
    REFI 10-day historical volatility is 37.06%

    Dividend

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    Events

    Last Paid Dividend

    $0.47
    REFI last dividend was $0.47 per share, with an ex-dividend date of June 30, 2025

    Next Dividend

    $0.47
    REFI has announced a dividend of $0.47 per share, with an ex-dividend date set for September 30, 2025

    Dividend per share

    Dividend per share

    $2.06
    REFI annual dividend per share is $2.06

    Dividend per share Sector Rank

    76.59%
    REFI annual dividend per share is higher than 76.59% of companies in Real Estate sector

    Dividend per share 1-Year Change

    -5.07%
    REFI annual dividend per share is down -5.07% year-on-year

    Dividend per share 3-Year Change

    +692.31%
    REFI annual dividend per share is up +692.31% over the past 3 years

    Dividend yield

    Dividend yield

    15.31%
    REFI annual dividend yield is 15.31%

    Dividend yield Sector Rank

    92.16%
    REFI annual dividend yield is higher than 92.16% of companies in Real Estate sector

    Other

    Payout ratio

    -112.38%
    REFI annual payout ratio is -112.38%

    Dividends paid

    -$41.63M
    REFI annual dividends paid is -$41.63 million

    Free cash flow

    $23.16M
    REFI annual free cash flow is $23.16 million

    Income Statement

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    Revenue

    Revenue

    $62.18M
    REFI annual revenue is $62.18 million

    Revenue Analysts estimate

    $56.10M
    REFI annual revenue is currently +10.84% higher than the consensus analysts' forecast

    Revenue 1-year change

    -1.31%
    REFI annual revenue is down -1.31% year-on-year

    Revenue Sector rank

    18.71%
    REFI annual revenue is higher than 18.71% of companies in Real Estate sector

    EPS

    EPS

    $1.88
    REFI annual earnings per share is $1.88

    EPS Analysts estimate

    $1.84
    REFI annual earnings per share is currently +2.17% higher than the consensus analysts' forecast

    EPS 1-year change

    -10.9%
    REFI annual earnings per share is down -10.9% year-on-year

    EPS Sector rank

    85.82%
    REFI annual earnings per share is higher than 85.82% of companies in Real Estate sector

    Profit

    Gross profit

    $54.11M
    REFI annual gross profit is $54.11 million

    Gross margin

    87.03%
    REFI annual gross profit margin is 87.03%

    Operating profit

    $44.20M
    REFI annual operating income is $44.20 million

    Operating margin

    71.09%
    REFI annual operating profit margin is 71.09%

    Net income

    $37.05M
    REFI annual net profit is $37.05 million

    Net margin

    59.58%
    REFI annual net profit margin is 59.58%

    Expenses

    Total expenses

    $25.13M
    REFI annual total expenses is $25.13 million

    Operating expenses

    $9.92M
    REFI annual total operating expenses is $9.92 million

    Cost of goods sold

    $8.06M
    REFI annual cost of goods sold is $8.06 million

    Selling, general & administrative expenses

    $0.00
    REFI annual SGA is $0.00

    Depreciation and amortization

    -
    REFI annual depreciation & amortization value is unknown

    Interest expense

    $7.15M
    REFI annual interest expense is $7.15 million

    Income tax

    $0.00
    REFI annual income tax is $0.00

    EBIT & EBITDA

    EBIT

    $44.20M
    REFI annual earnings before interest & taxes is $44.20 million

    EBITDA

    $44.20M
    REFI annual EBITDA is $44.20 million

    Balance Sheet

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    Assets

    Total assets

    $435.15M
    REFI annual total assets is $435.15 million

    Non current assets

    $403.92M
    REFI annual long term assets is $403.92 million

    Current assets

    $31.22M
    REFI annual total current assets is $31.22 million

    Cash and cash equivalents

    $26.40M
    REFI annual cash & cash equivalents is $26.40 million

    Accounts receivable

    $1.45M
    REFI annual accounts receivable is $1.45 million

    Inventory

    $0.00
    REFI annual inventory is $0.00

    Liabilities

    Total liabilities

    $126.19M
    REFI annual total liabilities is $126.19 million

    Long term liabilities

    $50.39M
    REFI annual total long term liabilities is $50.39 million

    Current liabilities

    $73.51M
    REFI annual total current liabilities is $73.51 million

    Accounts payable

    -
    REFI annual accounts payable value is unknown

    Debt

    Total debt

    $104.10M
    REFI annual total debt is $104.10 million

    Total debt 1-year change

    +57.72%
    REFI annual total debt is up +57.72% year-on-year

    Long term debt

    $104.10M
    REFI annual long term debt is $104.10 million

    Short term debt

    $55.00M
    REFI annual short term debt is $55.00 million

    Equity & Capital

    Shareholders equity

    $308.96M
    REFI annual stockholders equity is $308.96 million

    Book value

    $308.96M
    REFI annual book value is $308.96 million

    Retained earnings

    -$10.14M
    REFI annual retained earnings is -$10.14 million

    Working capital

    $9.13M
    REFI annual working capital is $9.13 million

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $23.16M
    REFI annual cash flow from operations is $23.16 million

    Cash from operations 1-year change

    -18.5%
    REFI annual cash flow from operations is down -18.5% year-on-year

    Cash from investing

    -$39.30M
    REFI annual cash flow from investing activities is -$39.30 million

    Cash from investing 1-year change

    -1940.97%
    REFI annual cash flow from investing activities is down -1940.97% year-on-year

    Cash from financing

    $34.64M
    REFI annual cash flow from financing activities is $34.64 million

    Cash from financing 1-year change

    +242.5%
    REFI annual cash flow from financing activities is up +242.5% year-on-year

    CAPEX

    CAPEX

    $0.00
    REFI annual capital expenditures is $0.00

    CAPEX 1-year change

    0%
    REFI annual capital expenditures has remained unchanged year-on-year

    Free Cash Flow

    Free cash flow

    $23.16M
    REFI annual free cash flow is $23.16 million

    Free cash flow 1-year change

    -18.5%
    REFI annual free cash flow is down -18.5% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    87.03%
    REFI annual gross profit margin is 87.03%

    Operating margin

    71.09%
    REFI annual operating profit margin is 71.09%

    Net margin

    59.58%
    REFI annual net profit margin is 59.58%

    ROA & ROE

    ROA

    9.33%
    REFI annual return on assets is 9.33%

    ROE

    12.76%
    REFI annual return on equity is 12.76%

    Valuation

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    PE Ratio

    PE ratio

    7.35
    REFI price to earnings ratio is 7.35

    PE ratio Sector rank

    5.63%
    REFI price to earnings ratio is higher than 5.63% of companies in Real Estate sector

    PB Ratio

    PB ratio

    0.91
    REFI price to book ratio is 0.91

    PB ratio Sector rank

    37.69%
    REFI price to book ratio is higher than 37.69% of companies in Real Estate sector

    PS Ratio

    PS ratio

    4.48
    REFI price to sales ratio is 4.48

    PS ratio Sector rank

    60.23%
    REFI price to sales ratio is higher than 60.23% of companies in Real Estate sector

    Enterprise value

    Enterprise value

    $368.41M
    REFI enterprise value is $368.41 million

    Enterprise value Sector rank

    15.73%
    REFI enterprise value is higher than 15.73% of companies in Real Estate sector

    EV/EBITDA

    EV/EBITDA

    7.91
    REFI EV/EBITDA is 7.91

    EV/EBITDA Sector rank

    17.24%
    REFI EV/EBITDA is higher than 17.24% of companies in Real Estate sector

    Financial Health

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    Liquidity

    Current ratio

    1.41
    REFI annual current ratio is 1.41

    Quick ratio

    0.42
    REFI annual quick ratio is 0.42

    Leverage

    Debt to equity

    0.34
    REFI annual debt to equity ratio is 0.34

    Interest coverage ratio

    6.18
    REFI annual interest coverage ratio is 6.18

    Risk & Stability

    Piotroski F-Score

    5
    REFI piotroski f-score is 5

    Altman Z-Score

    1.82
    REFI altman z-score is 1.82

    Analyst ratings

    Recent major analysts updates

    Mar 17, 25 Citizens Capital Markets
    Market Outperform
    Dec 19, 24 JMP Securities
    Market Outperform
    Dec 17, 24 Alliance Global Partners
    Buy
    Dec 9, 24 Zuanic & Associates
    Overweight
    Apr 11, 24 Zuanic & Associates
    Overweight
    Mar 13, 24 JMP Securities
    Market Outperform
    Dec 5, 23 Zuanic & Associates
    Overweight
    Sep 5, 23 Compass Point
    Neutral
    Sep 1, 23 Piper Sandler
    Neutral
    Aug 15, 23 JMP Securities
    Market Outperform

    Institutional Ownership

    Screeners with REFI included

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    • What is the ticker symbol for Chicago Atlantic Real Estate Finance, Inc.?
    • Does Chicago Atlantic Real Estate Finance, Inc. pay dividends?
    • What sector is Chicago Atlantic Real Estate Finance, Inc. in?
    • What industry is Chicago Atlantic Real Estate Finance, Inc. in?
    • What country is Chicago Atlantic Real Estate Finance, Inc. based in?
    • When did Chicago Atlantic Real Estate Finance, Inc. go public?
    • Is Chicago Atlantic Real Estate Finance, Inc. in the S&P 500?
    • Is Chicago Atlantic Real Estate Finance, Inc. in the NASDAQ 100?
    • Is Chicago Atlantic Real Estate Finance, Inc. in the Dow Jones?
    • When was Chicago Atlantic Real Estate Finance, Inc.'s last earnings report?
    • When does Chicago Atlantic Real Estate Finance, Inc. report earnings?

    What is the ticker symbol for Chicago Atlantic Real Estate Finance, Inc.?

    The ticker symbol for Chicago Atlantic Real Estate Finance, Inc. is NASDAQ:REFI

    Does Chicago Atlantic Real Estate Finance, Inc. pay dividends?

    Yes, Chicago Atlantic Real Estate Finance, Inc. pays dividends. The last payment was $0.47, with an ex-dividend date on June 30, 2025

    What sector is Chicago Atlantic Real Estate Finance, Inc. in?

    Chicago Atlantic Real Estate Finance, Inc. is in the Real Estate sector

    What industry is Chicago Atlantic Real Estate Finance, Inc. in?

    Chicago Atlantic Real Estate Finance, Inc. is in the Mortgage industry

    What country is Chicago Atlantic Real Estate Finance, Inc. based in?

    Chicago Atlantic Real Estate Finance, Inc. is headquartered in United States

    When did Chicago Atlantic Real Estate Finance, Inc. go public?

    Chicago Atlantic Real Estate Finance, Inc.'s initial public offering (IPO) was on December 8, 2021

    Is Chicago Atlantic Real Estate Finance, Inc. in the S&P 500?

    No, Chicago Atlantic Real Estate Finance, Inc. is not included in the S&P 500 index

    Is Chicago Atlantic Real Estate Finance, Inc. in the NASDAQ 100?

    No, Chicago Atlantic Real Estate Finance, Inc. is not included in the NASDAQ 100 index

    Is Chicago Atlantic Real Estate Finance, Inc. in the Dow Jones?

    No, Chicago Atlantic Real Estate Finance, Inc. is not included in the Dow Jones index

    When was Chicago Atlantic Real Estate Finance, Inc.'s last earnings report?

    Chicago Atlantic Real Estate Finance, Inc.'s most recent earnings report was on August 7, 2025

    When does Chicago Atlantic Real Estate Finance, Inc. report earnings?

    The next expected earnings date for Chicago Atlantic Real Estate Finance, Inc. is November 6, 2025
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