Chicago Atlantic Real Estate Finan (REFI)
Real Estate
REIT - Mortgage
10.40 $
Closing price · As of: 20. Jul 2026
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Appears in These Scanners
This stock currently matches 4 of our scanner strategies — each hit links to the scanner.
Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. Scanners marked in red are red-flag signals (risk/short scanners) — appearing there is not a seal of approval. View all scanners
Basics
Market Cap
The value of the entire company on the market: share price times total shares outstanding.
0.2Mrd. $
Shares Outstanding
Total number of shares issued. Price times share count gives market cap.
21Mio.
Float
Share of stock freely tradable on the market — not locked up in the hands of founders, insiders, or major shareholders.
84.3%
Beta
Volatility versus the overall market: 1 = moves like the market, 2 = twice as much, under 1 = calmer than the market.
0.3
Performance
Perf. 1M
Price performance over the last month.
-3.60%
Perf. 3M
Price performance over the last 3 months.
1.00%
Perf. 6M
Price performance over the last 6 months.
-7.40%
YTD Performance (%)
Price performance since the start of the year (Year to Date).
-6.90%
52-Week-High Distance
How far the price sits below its highest point over the last 52 weeks. 0% means the stock is at its year high.
-24.4%
Valuation
P/E
Price-to-earnings ratio: how many years of profit does the stock cost? The lower, the cheaper the valuation. No earnings means no P/E.
7.8
Forward P/E
P/E based on expected earnings for the next 12 months instead of past earnings — analysts' bet on the future.
5.7
PEG
P/E divided by expected earnings growth: puts valuation in relation to growth. Around 1 is considered fair, well above that is pricey.
–
P/B
Price-to-book ratio: market value relative to book equity.
0.8
P/S
Price-to-sales ratio: market value divided by annual sales. Important for companies that aren't (yet) profitable.
4.1
EV/EBITDA
Enterprise value including debt (EV) relative to operating profit before depreciation and amortization (EBITDA) — more comparable than P/E because debt counts too. Extreme values arise when EBITDA is near zero.
0.0
Price/FCF
Market value divided by free cash flow: how many years of freely available cash does the stock cost? More honest than P/E because cash flow is harder to dress up.
9.9
Profitability
Gross Margin
Gross margin: what's left of sales after only direct production costs are deducted — the product's pricing power.
100.0%
EBIT Margin
EBIT margin: operating profit as a percentage of sales — the earning power of the core business before interest and taxes.
–
Net Margin
Net margin: what's left of sales as profit after ALL costs, interest, and taxes.
61.8%
Return on Equity
Return on equity: how much profit does the company generate per year on shareholders' equity?
10.0%
Return on Assets
Return on assets: how much profit the company generates from its total assets (equity and debt combined).
7.2%
Balance Sheet & Safety
Equity Ratio
Equity ratio: equity as a share of total assets. The higher, the more resilient the balance sheet.
–
Debt/Equity
Leverage ratio: financial debt divided by equity. Under 1 is generally seen as solid; negative values mean negative equity.
0.4
Altman Z
Edward Altman's bankruptcy early-warning score: under 1.8 = danger zone, over 3 = safe. Values well above that mean a very resilient balance sheet.
142.88
Piotroski
Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag.
3 von 9
Growth
Sales Growth Last Quarter
Sales growth in the most recently reported quarter versus the same quarter a year ago (YoY).
-34.20%
EPS Growth Last Quarter
Growth in earnings per share in the most recently reported quarter versus the same quarter a year ago (YoY).
-51.10%
Sales Growth (Year)
Sales growth in the last fiscal year versus the year before.
15.18%
Forward Sales Growth
Sales growth analysts expect over the next 12 months — an estimate, not a guarantee.
6.11%
Forward EPS Growth
Earnings-per-share growth analysts expect over the next 12 months — an estimate, not a guarantee.
–
Dividend
Dividend Yield
Annual dividend divided by the current price: what percentage of your investment comes back as a payout each year.
17.64%
Dividend Per Share (TTM)
Sum of dividends paid per share over the last 12 months.
1.88$
Payout Ratio
Share of profit paid out as dividends. Over 100% means the company is paying out more than it earns — not sustainable long-term.
125.3%
Years Without a Cut
How many years in a row the dividend hasn't been cut — a measure of reliability.
0Years
Increase Streak
How many years in a row the dividend has been raised — the gold standard for dividend payers.
0Years
Quality & Screener
Stage
Weinstein phases 1 through 4: 1 = basing, 2 = uptrend (the only buy phase), 3 = topping, 4 = downtrend. Measured against the 30-week line.
4
RS Rating
Relative strength from 1 to 99: an RS of 95 means the stock has outperformed 95% of all stocks.
24
EPS Rating
Earnings growth rating from 1 to 99 versus all stocks — high values mean above-average earnings growth.
14
Piotroski
Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag.
3 von 9
Fundamental Rating
Our own Fundamental Rating from −100 to +100 with an A+ to F grade: growth, earnings surprises, analyst estimates, margins, cash flow, and balance-sheet safety, all percentile-ranked.
D (-17 von 100)
Altman Z
Edward Altman's bankruptcy early-warning score: under 1.8 = danger zone, over 3 = safe. Values well above that mean a very resilient balance sheet.
142.88
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.39 | -22.80 | 14 | -7.90 | 57.00 | 2 | 2 |
| 2025: Q1 | 0.47 | 0.80 | 13 | -1.50 | 77.00 | 8 | 8 |
| 2025: Q2 | 0.41 | -10.50 | 15 | 10.70 | 60.80 | 7 | 7 |
| 2025: Q3 | 0.42 | -25.60 | 14 | -5.40 | 65.30 | 8 | 8 |
| 2025: Q4 | 0.38 | -2.70 | 16 | 15.60 | 50.70 | 7 | 7 |
| 2026: Q1 | 0.23 | -52.30 | 15 | 16.30 | 31.90 | 3 | 3 |
What Do These Terms Mean?
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
About the Company
Chicago Atlantic Real Estate Finance, Inc. operates as a commercial mortgage real estate investment trust in the United States.
| Headquarters | Miami Beach, FL |
|---|---|
| Website | refi.reit |
| IPO Date | 8. Dec 2021 |
| Next Earnings | 6. Aug 2026 |
Management
| Name | Title | Birth Year |
|---|---|---|
| John Michael Mazarakis | Executive Chairman of the Board of Chicago Atlantic REIT Manager, LLC | 1976 |
| Anthony Robert Cappell | Co-CEO & Director of Chicago Atlantic REIT Manager, LLC | 1983 |
| Peter Sharp Sack | Co-Chief Executive Officer of Chicago Atlantic REIT Manager, LLC | 1989 |
| David Alan Kite | President & COO of Chicago Atlantic REIT Manager, LLC | 1972 |
| Brett Clayton C.P.A. | Controller of Chicago Atlantic REIT Manager, LLC | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.