Chicago Atlantic Real Estate Finance Inc (REFI)vsStarwood Property Trust Inc (STWD)
REFI
Chicago Atlantic Real Estate Finance Inc
$11.06
-1.95%
REAL ESTATE · Cap: $244.05M
STWD
Starwood Property Trust Inc
$17.05
-0.23%
REAL ESTATE · Cap: $6.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Starwood Property Trust Inc generates 1066% more annual revenue ($580.84M vs $49.83M). REFI leads profitability with a 61.8% profit margin vs 60.5%. REFI trades at a lower P/E of 8.0x. STWD earns a higher WallStSmart Score of 59/100 (C).
REFI
Hold49
out of 100
Grade: D+
STWD
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for REFI.
Margin of Safety
+84.7%
Fair Value
$118.33
Current Price
$17.05
$101.28 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 62 of every $100 in revenue as profit
Strong operational efficiency at 54.3%
Reasonable price relative to book value
Keeps 61 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 21.8% year-over-year
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 34.2%
Earnings declined 51.1%
Expensive relative to growth rate
ROE of 5.3% — below average capital efficiency
Weak financial health signals
Earnings declined 60.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : REFI
The strongest argument for REFI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 61.8% and operating margin at 54.3%.
Bull Case : STWD
The strongest argument for STWD centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 60.5% and operating margin at 17.4%. Revenue growth of 21.8% demonstrates continued momentum.
Bear Case : REFI
The primary concerns for REFI are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : STWD
The primary concerns for STWD are PEG Ratio, Return on Equity, Piotroski F-Score. Debt-to-equity of 3.47 is elevated, increasing financial risk.
Key Dynamics to Monitor
REFI profiles as a declining stock while STWD is a growth play — different risk/reward profiles.
STWD carries more volatility with a beta of 1.03 — expect wider price swings.
STWD is growing revenue faster at 21.8% — sustainability is the question.
REFI generates stronger free cash flow (3M), providing more financial flexibility.
Bottom Line
STWD scores higher overall (59/100 vs 49/100), backed by strong 60.5% margins and 21.8% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Chicago Atlantic Real Estate Finance Inc
REAL ESTATE · REIT - MORTGAGE · USA
Chicago Atlantic Real Estate Finance Inc. is a forward-looking Real Estate Investment Trust (REIT) dedicated to offering secure financing solutions tailored to the burgeoning cannabis sector. Through strategic portfolio management and deep industry insights, the company aims to seize substantial growth prospects within this unique market. Chicago Atlantic employs a robust risk management framework to adeptly navigate the complexities of regulatory landscapes, ensuring the generation of competitive risk-adjusted returns for institutional investors. Led by an experienced management team, the firm is focused on maximizing shareholder value while adapting to the evolving dynamics of the industry.
Starwood Property Trust Inc
REAL ESTATE · REIT - MORTGAGE · USA
Starwood Property Trust, Inc. is a real estate investment trust (REIT) in the United States and Europe. The company is headquartered in Greenwich, Connecticut.
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