Chicago Atlantic Real Estate Finance, Inc.
Chicago Atlantic Real Estate Finance, Inc. Fundamental Analysis
Chicago Atlantic Real Estate Finance, Inc. (REFI) shows moderate financial fundamentals with a PE ratio of 6.99, profit margin of 64.78%, and ROE of 11.54%. The company generates $0.1B in annual revenue with weak year-over-year growth of -13.05%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 34.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze REFI's fundamental strength across five key dimensions:
Efficiency Score
WeakREFI struggles to generate sufficient returns from assets.
Valuation Score
ExcellentREFI trades at attractive valuation levels.
Growth Score
WeakREFI faces weak or negative growth trends.
Financial Health Score
ModerateREFI shows balanced financial health with some risks.
Profitability Score
ModerateREFI maintains healthy but balanced margins.
Key Financial Metrics
Is REFI Expensive or Cheap?
P/E Ratio
REFI trades at 6.99 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, REFI's PEG of -0.87 indicates potential undervaluation.
Price to Book
The market values Chicago Atlantic Real Estate Finance, Inc. at 0.81 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does REFI Make Money?
Net Profit Margin
For every $100 in sales, Chicago Atlantic Real Estate Finance, Inc. keeps $64.78 as profit after all expenses.
Operating Margin
Core operations generate 0.00 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.54 in profit for every $100 of shareholder equity.
ROA
Chicago Atlantic Real Estate Finance, Inc. generates $8.38 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Chicago Atlantic Real Estate Finance, Inc. generates strong operating cash flow of $24.11M, reflecting robust business health.
Free Cash Flow
Chicago Atlantic Real Estate Finance, Inc. generates strong free cash flow of $24.11M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.14 in free cash annually.
FCF Yield
REFI converts 9.63% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.99
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.87
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.81
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.53
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.33
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.50
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.08
vs 25 benchmark
ROCE
Return on capital employed
0.00
vs 25 benchmark
How REFI Stacks Against Its Sector Peers
| Metric | REFI Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.99 | 24.23 | Better (Cheaper) |
| ROE | 11.54% | 659.00% | Weak |
| Net Margin | 64.78% | 4497.00% | Weak |
| Debt/Equity | 0.33 | -22.14 (disorted) | Distorted |
| Current Ratio | 0.50 | 13.87 | Weak Liquidity |
| ROA | 8.38% | -1390.00% (disorted) | Weak |
REFI outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Chicago Atlantic Real Estate Finance, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
347.79%
Industry Style: Income, Inflation Hedge, REIT
High GrowthEPS CAGR
253.14%
Industry Style: Income, Inflation Hedge, REIT
High GrowthFCF CAGR
214.35%
Industry Style: Income, Inflation Hedge, REIT
High Growth