Chicago Atlantic Real Estate Finance, Inc.

REFI

REFIChicago Atlantic Real Estate Finance, Inc. US flag

NASDAQ Global Market

11.06

USD

-0.22

- -

234.55MMarket Cap

Profitability (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -
Return on Assets (%)	- -	10.39	11.02	9.33	8.37
Return on Capital (%)	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	- -	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	66.1	67.52	67.62	64.82
Profit Margin (%)	- -	66.1	67.52	67.62	64.82
Net Income to Common Margin (%)	- -	66.1	67.52	67.62	64.82
Effective Tax Rate (%)	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	87.25	101.1	112.38	121.75
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -

Credit (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	116	132	104	98
ST Debt	- -	58	66	55	49
LT Debt	- -	58	66	49	49
Total Debt/EBITDA	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	-1.45	-1.57	-2.28	-3.6
Long-Term Debt/Equity (%)	- -	21.97	24.28	15.89	16.03
Long-Term Debt/Capital (%)	- -	52.23	52.23	52.14	59.35
Long-Term Debt/Total Assets (%)	- -	16.9	18.37	11.28	11.61
Total Debt/Equity (%)	- -	43.93	48.56	33.69	31.98
Total Debt/Capital (%)	- -	104.47	104.45	110.54	118.42
Total Debt/Total Assets (%)	- -	33.79	36.75	23.92	23.17
Net Debt to Equity	-30.39	41.77	45.65	25.15	27.12
Net Debt/Capital (%)	100	104.71	104.75	114.65	122.46
EBITDA	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -

Liquidity (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	-1.45	-1.57	-2.28	-3.6
Long-Term Debt/Equity (%)	- -	21.97	24.28	15.89	16.03
Long-Term Debt/Capital (%)	- -	52.23	52.23	52.14	59.35
Long-Term Debt/Total Assets (%)	- -	16.9	18.37	11.28	11.61
Total Debt/Equity (%)	- -	43.93	48.56	33.69	31.98
Total Debt/Capital (%)	- -	104.47	104.45	110.54	118.42
Total Debt/Total Assets (%)	- -	33.79	36.75	23.92	23.17
CFO/Total Liabilities	- -	21.46	32.52	18.35	24.59
CFO/CapEx	- -	- -	- -	- -	- -
Altman's Z-Score	- -	2.14	2.15	1.51	0.08

Working Capital (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	69.69	51.91	44.58	20.34
Days Sales Outstanding	- -	5.24	7.03	8.19	17.95
Inventory Turnover	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	266	293	297	- -
- Cash & Cash Equivalents	80	6	8	26	15
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	- -	116	132	104	98
Enterprise Value	-80	376	417	375	83
Total Capital	- -	111	126	94	83
Total Debt/Capital (%)	- -	104.47	104.45	110.54	118.42
Total Debt / EV	- -	0.31	0.32	0.28	1.18
EV/Sales	- -	7.7	7.27	6.84	1.5
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	22.13	14.66	16.19	2.9
EV/Free Cash Flow to Firm	- -	22.13	14.66	16.19	2.9
Diluted Market Cap	- -	267	297	304	- -
Diluted Enterprise Value	-80	378	421	382	83
EV per Share	- -	21.32	23.04	19.45	- -
TTM Sales	- -	49	57	55	56
TTM EBITDA	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	17	28	23	29
TTM Free Cash Flow to Firm	- -	17	28	23	29

Multiples (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	15.73	10.44	13.13	- -
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	-80	376	417	375	83
Low Price	15.5	13.87	12.91	14.82	11.85
EV/Sales	- -	7.7	7.27	6.84	1.5
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	- -	8.24	7.56	8.03	- -
Price/Earnings Average	- -	8.96	6.95	8.2	- -
Price/Earnings High	- -	11.09	8.25	8.72	- -
Price/Earnings Low	- -	7.58	6.03	7.71	- -
Price/Book Value	- -	-53.61	-51.98	-29.94	- -
Price/Book Value Average	- -	-58.28	-47.8	-30.61	- -
Price/Book Value High	- -	-72.18	-56.7	-32.53	- -
Price/Book Value Low	- -	-49.34	-41.47	-28.78	- -
Price/Tangible Book Value	- -	1.01	1.08	0.96	- -
Price/Tangible Book Value Average	- -	1.1	0.99	0.98	- -
Price/Tangible Book Value High	- -	1.36	1.17	1.05	- -
Price/Tangible Book Value Low	- -	0.93	0.86	0.92	- -
Price/Sales	- -	5.45	5.1	5.43	- -
Price/Sales Average	- -	5.92	4.69	5.55	- -
Price/Sales High	- -	7.33	5.57	5.89	- -
Price/Sales Low	- -	5.01	4.07	5.22	- -
Price/Cash Flow	- -	15.64	10.3	12.84	- -
Price/Cash Flow Average	- -	17.01	9.47	13.12	- -
Price/Cash Flow High	- -	21.06	11.23	13.94	- -
Price/Cash Flow Low	- -	14.4	8.22	12.34	- -
Price/Free Cash Flow Average	- -	17.1	9.6	13.42	- -
Price/Free Cash Flow High	- -	21.17	11.39	14.26	- -
Price/Free Cash Flow Low	- -	14.47	8.33	12.62	- -
EV/Sales Average	- -	8.18	6.86	6.97	1.5
EV/Sales High	- -	9.59	7.73	7.31	1.5
EV/Sales Low	- -	7.27	6.24	6.63	1.5
EV/EBITDA Average	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	16.65	15.07	16.18	15.42	12.26
High Price	17	20.29	17.65	16.75	16.27
Enterprise Value Average	-80	400	393	382	83
Enterprise Value High	-80	468	443	401	83
Enterprise Value Low	-80	355	358	363	83

Profitability (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -
Return on Assets (%)	- -	10.39	11.02	9.33	8.37
Return on Capital (%)	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	- -	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	66.1	67.52	67.62	64.82
Profit Margin (%)	- -	66.1	67.52	67.62	64.82
Net Income to Common Margin (%)	- -	66.1	67.52	67.62	64.82
Effective Tax Rate (%)	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	87.25	101.1	112.38	121.75
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -

Credit (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	116	132	104	98
ST Debt	- -	58	66	55	49
LT Debt	- -	58	66	49	49
Total Debt/EBITDA	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	-1.45	-1.57	-2.28	-3.6
Long-Term Debt/Equity (%)	- -	21.97	24.28	15.89	16.03
Long-Term Debt/Capital (%)	- -	52.23	52.23	52.14	59.35
Long-Term Debt/Total Assets (%)	- -	16.9	18.37	11.28	11.61
Total Debt/Equity (%)	- -	43.93	48.56	33.69	31.98
Total Debt/Capital (%)	- -	104.47	104.45	110.54	118.42
Total Debt/Total Assets (%)	- -	33.79	36.75	23.92	23.17
Net Debt to Equity	-30.39	41.77	45.65	25.15	27.12
Net Debt/Capital (%)	100	104.71	104.75	114.65	122.46
EBITDA	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -

Liquidity (USD)

API Chat

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	-1.45	-1.57	-2.28	-3.6
Long-Term Debt/Equity (%)	- -	21.97	24.28	15.89	16.03
Long-Term Debt/Capital (%)	- -	52.23	52.23	52.14	59.35
Long-Term Debt/Total Assets (%)	- -	16.9	18.37	11.28	11.61
Total Debt/Equity (%)	- -	43.93	48.56	33.69	31.98
Total Debt/Capital (%)	- -	104.47	104.45	110.54	118.42
Total Debt/Total Assets (%)	- -	33.79	36.75	23.92	23.17
CFO/Total Liabilities	- -	21.46	32.52	18.35	24.59
CFO/CapEx	- -	- -	- -	- -	- -
Altman's Z-Score	- -	2.14	2.15	1.51	0.08

Working Capital (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	69.69	51.91	44.58	20.34
Days Sales Outstanding	- -	5.24	7.03	8.19	17.95
Inventory Turnover	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	266	293	297	- -
- Cash & Cash Equivalents	80	6	8	26	15
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	- -	116	132	104	98
Enterprise Value	-80	376	417	375	83
Total Capital	- -	111	126	94	83
Total Debt/Capital (%)	- -	104.47	104.45	110.54	118.42
Total Debt / EV	- -	0.31	0.32	0.28	1.18
EV/Sales	- -	7.7	7.27	6.84	1.5
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	22.13	14.66	16.19	2.9
EV/Free Cash Flow to Firm	- -	22.13	14.66	16.19	2.9
Diluted Market Cap	- -	267	297	304	- -
Diluted Enterprise Value	-80	378	421	382	83
EV per Share	- -	21.32	23.04	19.45	- -
TTM Sales	- -	49	57	55	56
TTM EBITDA	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	17	28	23	29
TTM Free Cash Flow to Firm	- -	17	28	23	29

Multiples (USD)

API Chat

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	15.73	10.44	13.13	- -
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	-80	376	417	375	83
Low Price	15.5	13.87	12.91	14.82	11.85
EV/Sales	- -	7.7	7.27	6.84	1.5
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	- -	8.24	7.56	8.03	- -
Price/Earnings Average	- -	8.96	6.95	8.2	- -
Price/Earnings High	- -	11.09	8.25	8.72	- -
Price/Earnings Low	- -	7.58	6.03	7.71	- -
Price/Book Value	- -	-53.61	-51.98	-29.94	- -
Price/Book Value Average	- -	-58.28	-47.8	-30.61	- -
Price/Book Value High	- -	-72.18	-56.7	-32.53	- -
Price/Book Value Low	- -	-49.34	-41.47	-28.78	- -
Price/Tangible Book Value	- -	1.01	1.08	0.96	- -
Price/Tangible Book Value Average	- -	1.1	0.99	0.98	- -
Price/Tangible Book Value High	- -	1.36	1.17	1.05	- -
Price/Tangible Book Value Low	- -	0.93	0.86	0.92	- -
Price/Sales	- -	5.45	5.1	5.43	- -
Price/Sales Average	- -	5.92	4.69	5.55	- -
Price/Sales High	- -	7.33	5.57	5.89	- -
Price/Sales Low	- -	5.01	4.07	5.22	- -
Price/Cash Flow	- -	15.64	10.3	12.84	- -
Price/Cash Flow Average	- -	17.01	9.47	13.12	- -
Price/Cash Flow High	- -	21.06	11.23	13.94	- -
Price/Cash Flow Low	- -	14.4	8.22	12.34	- -
Price/Free Cash Flow Average	- -	17.1	9.6	13.42	- -
Price/Free Cash Flow High	- -	21.17	11.39	14.26	- -
Price/Free Cash Flow Low	- -	14.47	8.33	12.62	- -
EV/Sales Average	- -	8.18	6.86	6.97	1.5
EV/Sales High	- -	9.59	7.73	7.31	1.5
EV/Sales Low	- -	7.27	6.24	6.63	1.5
EV/EBITDA Average	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	16.65	15.07	16.18	15.42	12.26
High Price	17	20.29	17.65	16.75	16.27
Enterprise Value Average	-80	400	393	382	83
Enterprise Value High	-80	468	443	401	83
Enterprise Value Low	-80	355	358	363	83

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	17	18	18	21	21
Diluted Weighted Avg Shares	- -	18	18	20	- -
Basic Weighted Avg Shares	- -	18	18	19	- -
Revenue per Share	- -	2.77	3.17	2.84	- -
EBITDA per Share	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	1.83	2.14	1.92	- -
Basic EPS from Cont Ops	- -	1.83	2.14	1.92	- -
Diluted EPS, GAAP	- -	1.82	2.11	1.88	- -
Diluted EPS from Cont Ops	- -	1.82	2.11	1.88	- -
Dividend per Share	- -	1.6	2.16	2.16	- -
Cash Flow per Share	- -	0.96	1.57	1.2	- -
Free Cash Flow per Basic Share	- -	0.96	1.57	1.2	- -
Cash & Equivalents per Share	- -	0.32	0.44	1.37	- -
Book Value per Share	- -	-0.28	-0.31	-0.51	- -
Tangible Book Value per Share	- -	14.96	15.03	16.03	- -

Chicago Atlantic Real Estate Finance, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)