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Company Analysis

Chicago Atlantic Real Estate Fi REFI

A comprehensive view of key metrics, scores, and financial health for Chicago Atlantic Real Estate Fi

Overview of Chicago Atlantic Real Estate Finance, Inc.

REFI NGM
Real Estate REIT - Mortgage Micro Cap
Chicago Atlantic Real Estate Finance, Inc. (REFI), is a Micro Cap company, in the REIT - Mortgage industry, last closed at $12.09, about 1742.9% undervalued vs fair value, -22.2% 1Y return, ranked 118/330 in sector.
$12.09
0.00%
As of March 13, 2026
Previous close • Vol 90d: 22.1%
52-Week Range
Market Cap
$258.65M
Enterprise Value
$331.41M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.refi.reit
HQ Miami Beach, FL
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$198
$223
$251
Current: $12.09 +1743% vs base

Engine Room Money Flow™

Micro Cap

Real Estate Investment Trust - Where revenue goes and how value is created

Flow Steps
Total Revenue
$54.8M
-4.4%%
Net Operating Income
$44.2M
-0.6%%
Net Income
$37.0M
-4.3%%
FFO (Funds From Operations)
$294.1M
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Real Estate Investment Trust

Quality & Reliability Indicators

FFO Payout Ratio
14.2%
Excellent

Dividends / FFO - basic dividend safety

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$42.0M
14.3% of AFFO

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
3
Active Leaks
0/3
Improving
0
High Impact
1
Critical
Locked Leak
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Locked Leak
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Moat Analysis REIT Specialized

Competitive Advantage Assessment

Evaluating Chicago Atlantic Real Estate Fi's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
72
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Rent Pricing Power

Moderate
72
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing REFI's balance between Growth (14.6%), Profitability (42.9%), and Safety (42.6%). Growth 15% Safety 43% Profitability 43%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

23th percentile vs peers
24
Key Signals
Rev Growth YoY -4.4% 27p EPS Growth YoY -10.9% 39p TSR -21.5% 33p Revenue CAGR 3Y -83.0% 1p
Strengths
  • Interest Coverage Ratio in top 20% of peers (6.18, 97th percentile)
  • Superior capital returns - 3 return metrics above peer median
  • Roic in top 20% of peers (10.7%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

69th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

68th percentile vs peers
69
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Chicago Atlantic Real Estate Fi.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$222.81
- - -
+1742.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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