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Recent

v0.1
REFI$11.26-0.97%
Fair $11.26+0.0%

REFI

Chicago Atlantic Real Estate Finance, Inc.

Real Estate / REIT - MortgageNasdaqGM

$11.26

-0.11 (-0.97%)

Fairly Valued+0.0%Fair Value $11.26Fund rank 36/100 · Data gapFallback financials|
SA 36/D
F-Score: 4/9

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

FCF escenarios

weak_data · normalized FCF n/d · quality 48.0/100

Data gap 36/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 83/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

36/100

D

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 5Warnings: 0unknown: 5
No SEC-backed annual rows; valuation uses fallback financial data. Sector-specific NAV/AFFO model required: REIT/real-estate targets are disabled until FFO/AFFO/NAV/cap-rate data exists. REIT NAV/AFFO valuation requires positive AFFO/share history or TTM AFFO/share; generic FCF remains disabled.
Thesis & Journal · REFILocal privado en este navegador · Chicago Atlantic Real Estate Finance, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$239M

P/E

7.8x

↓

EV/EBITDA

N/A

•

ROE

11.7%

↑

Gross Margin

N/A

•

Debt/Equity

0.32

↓
52-Week Range$11
$11$15

TradingView lightweight chart

REFI price, volumen y niveles de valoración

Último $11.26Periodo -31.7%
Fair value: $11.26

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2021–2025 · 4 años de histórico normalizado

Revenue CAGR

—

FCF CAGR

—

FCF margin

51.8%

FCF / Net income

0.80x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $55.6M · net income $36.0M · FCF $28.8M

2021-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

64.8%— pts

FCF margin

51.8%— pts
MetricTTM
2025
2024
2023
2022
2021
Income Statement
Revenue$55.6M$55.6M$54.8M$57.3M$48.9M—
Net Income$36.0M$36.0M$37.0M$38.7M$32.3M—
EPS——1.882.111.82—
Net Margin64.8%64.8%67.6%67.5%66.1%—
Balance Sheet
Debt/Equity0.320.320.340.240.22—
Current Ratio30.3730.37————
Cash Flow
Free Cash Flow$28.8M$28.8M$23.2M$28.4M$17.0M—
Returns
ROE11.7%11.7%12.0%14.2%12.2%—
Valuation
P/E7.827.828.307.558.29—
P/B0.770.771.001.071.01—
Growth & Yield
Revenue Growth1.4%1.4%-4.4%17.3%——
EPS Growth——-10.9%15.9%——
Dividend Yield16.7%16.7%————

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -6.0%

Total return

-6.0%

Start / end P/E

n/dx → n/dx

EPS bridge

1.88 → n/d

Residual

-22.7%

EPS growthn/d
Multiple reratingn/d
Dividend+16.7%
Residual / FX / buybacks / cross-term-22.7%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.