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Price (delayed)
$15.97
Market cap
$313.56M
P/E Ratio
7.83
Dividend/share
$1.88
EPS
$2.04
Enterprise value
$360.8M
Chicago Atlantic Real Estate Finance, Inc. operates as a commercial real estate finance company in the United States. It originates, structures, and invests in first mortgage loans and alternative structured
Highlights
REFI's debt is down by 30% since the previous quarter and by 14% year-on-year
The equity has grown by 7% YoY
The P/E is 3% higher than the last 4 quarters average of 7.6
Chicago Atlantic Real Estate Finance's revenue has decreased by 2.4% YoY
Key stats
What are the main financial stats of REFI
Market
Valuations
Earnings
Shares outstanding
19.63M
Market cap
$313.56M
Enterprise value
$360.8M
Price to book (P/B)
1.06
Price to sales (P/S)
5.62
EV/EBIT
9.37
EV/EBITDA
9.37
EV/Sales
6.48
Revenue
$55.72M
EBIT
$38.52M
EBITDA
$38.52M
Free cash flow
$36.84M
Per share
Balance sheet
Liquidity
EPS
$2.04
Free cash flow per share
$1.88
Book value per share
$15.06
Revenue per share
$2.84
TBVPS
$18.65
Total assets
$365.91M
Total liabilities
$70.45M
Debt
$54M
Equity
$295.47M
Working capital
N/A
Debt to equity
0.18
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.23
Margins
Efficiency
Dividend
EBITDA margin
69.1%
Gross margin
84.8%
Net margin
69.1%
Operating margin
69%
Return on assets
10.3%
Return on equity
13.4%
Return on invested capital
8.8%
Return on capital employed
N/A
Return on sales
69.1%
Dividend yield
11.77%
DPS
$1.88
Payout ratio
92.2%
REFI stock price
How has the Chicago Atlantic Real Estate Finance stock price performed over time
Intraday
0.44%
1 week
2.44%
1 month
3.3%
1 year
5.13%
YTD
-1.3%
QTD
2.97%
Financial performance
How have Chicago Atlantic Real Estate Finance's revenue and profit performed over time
Revenue
$55.72M
Gross profit
$47.28M
Operating income
$38.46M
Net income
$38.52M
Gross margin
84.8%
Net margin
69.1%
REFI's net margin is up by 8% year-on-year
REFI's operating margin is up by 8% year-on-year and by 2.2% since the previous quarter
The company's net income rose by 5% YoY and by 3.3% QoQ
Chicago Atlantic Real Estate Finance's operating income has increased by 5% YoY and by 3.6% QoQ
Growth
What is Chicago Atlantic Real Estate Finance's growth rate over time
Valuation
What is Chicago Atlantic Real Estate Finance stock price valuation
P/E
7.83
P/B
1.06
P/S
5.62
EV/EBIT
9.37
EV/EBITDA
9.37
EV/Sales
6.48
The P/E is 3% higher than the last 4 quarters average of 7.6
The equity has grown by 7% YoY
REFI's price to book (P/B) is 6% higher than its last 4 quarters average of 1.0
REFI's price to sales (P/S) is 6% higher than its last 4 quarters average of 5.3
Chicago Atlantic Real Estate Finance's revenue has decreased by 2.4% YoY
Efficiency
How efficient is Chicago Atlantic Real Estate Finance business performance
The ROIC is down by 9% YoY but it is up by 2.3% QoQ
The ROS has increased by 8% YoY
Chicago Atlantic Real Estate Finance's return on assets has decreased by 4.6% YoY
Dividends
What is REFI's dividend history
DPS
$1.88
Dividend yield
11.77%
Payout ratio
92.2%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Chicago Atlantic Real Estate Finance financials performed over time
REFI's total liabilities is down by 25% since the previous quarter and by 8% year-on-year
The company's total assets fell by 5% QoQ but it rose by 3.9% YoY
REFI's debt is 82% smaller than its equity
The debt to equity has declined by 31% since the previous quarter and by 22% year-on-year
REFI's debt is down by 30% since the previous quarter and by 14% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.