Chicago Atlantic Real Estate Finance Inc (REFI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Chicago Atlantic Real Estate Finance Inc stock (REFI) is currently trading at $12.05. Chicago Atlantic Real Estate Finance Inc PE ratio is 7.35. Chicago Atlantic Real Estate Finance Inc PS ratio (Price-to-Sales) is 4.76. Analyst consensus price target for REFI is $16.00. WallStSmart rates REFI as Underperform.
- REFI PE ratio analysis and historical PE chart
- REFI PS ratio (Price-to-Sales) history and trend
- REFI intrinsic value — DCF, Graham Number, EPV models
- REFI stock price prediction 2025 2026 2027 2028 2029 2030
- REFI fair value vs current price
- REFI insider transactions and insider buying
- Is REFI undervalued or overvalued?
- Chicago Atlantic Real Estate Finance Inc financial analysis — revenue, earnings, cash flow
- REFI Piotroski F-Score and Altman Z-Score
- REFI analyst price target and Smart Rating
Chicago Atlantic Real Estate Finance Inc
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REFI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Chicago Atlantic Real Estate Finance Inc (REFI)
REFI trades at a modest 4% premium above its Graham fair value of $11.42. Consider waiting for a pullback.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Chicago Atlantic Real Estate Finance Inc (REFI) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
Chicago Atlantic Real Estate Finance Inc (REFI) Key Strengths (3)
Keeps $58 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $66 of every $100 in revenue as net profit
Supporting Valuation Data
Chicago Atlantic Real Estate Finance Inc (REFI) Areas to Watch (6)
Earnings declining -3.30%, profits shrinking
Revenue growing slowly at 2.70% annually
Micro-cap company with very limited liquidity and high volatility
Premium valuation at 4.8x annual revenue
Moderate profitability with room for improvement
Moderate institutional interest at 34.77%
Chicago Atlantic Real Estate Finance Inc (REFI) Detailed Analysis Report
Overall Assessment
This company scores 51/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 3.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.84) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 57.70%, Profit Margin at 65.90%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Market Cap. Some valuation metrics including Price/Sales (4.76) suggest expensive pricing. Growth concerns include Revenue Growth at 2.70%, EPS Growth at -3.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 2.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
REFI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
REFI's Price-to-Sales ratio of 4.76x sits near its historical average of 4.39x (31th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 32% below its historical high of 6.98x set in Dec 2023, and 15763% above its historical low of 0.03x in Jul 2022. Over the past 12 months, the PS ratio has compressed from ~5.9x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Chicago Atlantic Real Estate Finance Inc (REFI) · REAL ESTATE › REIT - MORTGAGE
The Big Picture
Chicago Atlantic Real Estate Finance Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 55M with 3% growth year-over-year. Profit margins are strong at 65.9%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 65.9% and operating margin of 57.7% demonstrate strong pricing power and operational efficiency.
Generating 7M in free cash flow and 7M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 15.1%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor REIT - MORTGAGE industry trends, competitive moves, and regulatory changes that could impact Chicago Atlantic Real Estate Finance Inc.
Bottom Line
Chicago Atlantic Real Estate Finance Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Chicago Atlantic Real Estate Finance Inc(REFI)
NASDAQ
REAL ESTATE
REIT - MORTGAGE
USA
Chicago Atlantic Real Estate Finance Inc. is a specialized Real Estate Investment Trust (REIT) focused on providing secured financing solutions primarily to the cannabis industry. By capitalizing on the growth of this rapidly expanding sector, the company strategically positions itself to enhance shareholder returns through a diversified portfolio. With a commitment to robust risk management and a seasoned management team equipped with deep industry insights, Chicago Atlantic aims to navigate the complexities of evolving regulatory landscapes while delivering attractive risk-adjusted returns to investors.