Chicago Atlantic Real Estate Finance Inc.

REFI | NASDAQ

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$10.80

-$0.18 (-1.64%)

At close: Sep 21, 2026, 4:00 PM ET

$9.97

-$0.83 (-7.70%)

Pre-market: Sep 22, 2026, 4:00 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $234.03M

Enterprise Value $266.3M

Beta 0.34

Average Volume 164.41K

Shares Outstanding (Diluted) 21.71M

Shares Change YoY 1.06%

Institutional Ownership 30.02%

Exchange NASDAQ

ISIN US1672391026

Price Performance

Price Change 1M -0.2%

Price Change 3M -1.5%

Price Change 6M -10.4%

Price Change YTD -11.9%

Price Change 1Y -19.3%

Price Change 3Y -29.6%

Price Change 5Y -33.5%

1M CAGR (ann.) 8.8%

1Y CAGR (ann.) -4.3%

5Y CAGR (ann.) N/A

All-Time CAGR 5.1%

Valuation

PE Ratio 7.88

Forward PE 5.32

PEG Ratio -0.31

Forward PEG 1.11

PS Ratio 5.12

Forward PS 3.80

PB Ratio 0.76

P/FCF Ratio 8.55

P/Adj. FCF Ratio 0.18

P/OCF Ratio 8.50

EV/Sales 5.93

EV/EBIT 17.71

EV/EBITDA 17.71

EV/FCF 9.89

Earnings Yield 12.7%

FCF Yield 11.7%

Adj. FCF Yield 561.3%

Financial Health

Net Debt $36.1M

Total Debt $49.45M

Cash & Short-Term Investments $13.35M

Total Assets $461.7M

Current Ratio 0.40

Quick Ratio 0.40

Debt / Equity Ratio 0.47

Debt / EBITDA 3.29

Debt / FCF 1.84

OCF / Debt 0.54

Interest Coverage 3.18

Altman Z-Score 0.93

Piotroski F-Score 3

Margins & Profitability

Gross Profit Margin 91.3%

Operating Profit Margin 33.5%

EBITDA Margin 41.4%

Net Profit Margin 48.9%

FCF Margin 59.9%

Adj. FCF Margin 2875.8%

SBC / Revenue -2103.3%

SBC Impact (per share) -4698.7%

Returns

Return on Assets 6.4%

Return on Equity 9.6%

Return on Invested Capital 5.0%

Return on Capital Employed 6.0%

Return on Tangible Assets 6.4%

Historical Growth (CAGR)

Revenue CAGR 3Y -7.0%

Revenue CAGR 5Y 108.6%

Revenue CAGR 10Y N/A

EPS CAGR 3Y -12.3%

EPS CAGR 5Y 86.2%

EPS CAGR 10Y N/A

FCF CAGR 3Y 7.7%

FCF CAGR 5Y 79.3%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Buy

Analyst Count 7

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 2, 2026

EPS Estimate (next Q) $0.50

EPS Growth Est (next Q) 2.0%

Revenue Est (next Q) $14.75M

Revenue Growth Est (next Q) 7.8%

Fair Value Estimates

Graham Number $20.92

Graham Upside 93.7%

Lynch Fair Value $34.25

Lynch Upside 217.1%

Price Target $16

Price Target Upside 48.1%

Cash Flow

Operating Cash Flow $26.92M

Free Cash Flow $26.92M

Adj. Free Cash Flow $1.29B

FCF Per Share $1.27

OCF Per Share $1.27

OCF/S Ratio 44.8%

Income Statement

Revenue $44.93M

Gross Profit $41.27M

Operating Income $15.04M

EBITDA $15.04M

Net Income $29.41M

EPS (Diluted) $1.37

Revenue / Employee N/A

Profit / Employee N/A

Employees 0

Dividends

Annual Dividend $1.88

Dividend Yield 17.41%

Payout Ratio 137.2%

FCF Payout Ratio 150.9%

Adj. FCF Payout Ratio 3.1%

Dividend Growth (YoY) -8.7%

Pay Frequency Quarterly

Ex-Dividend Date Sep 29, 2026