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Chicago Atlantic Real Estate Finance, Inc.

REFI

$10.28 ▲ +0.20 (+1.98%) at close

5 Visible periods

25 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Chicago Atlantic Real Estate Finance, Inc. shows strong fundamentals with top-quartile Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $215.9M

Dividend Yield 18.29%

Revenue Growth —

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 6.0x

Price / Book 0.7x

FCF Yield —

Debt / Equity 0.16

info Valuation on last close. End-of-day price, Aug 7, 2026.

5-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Net Income Profit after all expenses

$36.01M

↓ -2.8% —

Long-Term Debt Long-term obligations

$49.33M

— +0.5% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Returns →

Financial Health →

Dividend History

Dividend / share · sourced from SEC filings

$1.88 Latest / share

-8.7% YoY

-3.6% 4-yr CAGR

FY 2021

$2.10

FY 2022

$2.17

FY 2023

$2.06

FY 2024

$1.88

FY 2025

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
EPS Growth YoY (%)	-10.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	16.9% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-2.8% Weak ↓ Weak Declining Year-over-year change in net income	-4.3% Weak Weak Year-over-year change in net income	19.9% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A
EPS CAGR 3Y (%)	-2.2% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Effective Tax Rate (%) (%)	0.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	8.5% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	8.5% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	10.8% Good Good Operating profit relative to total assets Optimal: > 10%	9.4% Fair Fair Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	11.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	12.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+50%)	14.2% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+78%)	12.2% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+53%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Debt to Equity (x)	0.16x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.16x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD)	$34.39M	$22.70M	$-7.90M	$-5.72M	$-80.25M
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Basic EPS, GAAP (USD)	$1.71	$1.92	$2.14	$1.83	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.88	$2.06	$2.17	$2.10	—
Book Value per Share (USD)	$14.60	$14.83	$14.94	$14.93	$15.13
Tangible Book Value per Share (USD)	$14.60	$14.83	$14.94	$14.93	$15.13
Basic Weighted Avg Shares (shares)	21.00M	19.28M	18.09M	17.65M	—
Dividend Payout Ratio (%)	109.9% Weak → Weak Stable Dividends paid as a percentage of earnings Optimal: 30-60%	107.3% Weak → Weak Stable Dividends paid as a percentage of earnings Optimal: 30-60%	101.4% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	114.8% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
LT Debt (USD)	$49.33M	$49.10M	—	—	—
Total Equity (USD)	$307.81M	$308.96M	$271.85M	$264.03M	$264.08M

📋 What is driving earnings? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Net Income, GAAP (USD)	$36.01M	$37.05M	$38.71M	$32.29M	—
Operating Cash Flow (USD)	$28.79M	$23.16M	$28.42M	$17.01M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 5 years · 21 quarters

Chicago Atlantic Real Estate Finance, Inc.

Analytical Summary

5-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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