US · REFI
Chicago Atlantic Real Estate Finance, Inc.
- Sector
- Real Estate · REIT - Mortgage
- Headquarters
- Miami Beach, IL 60611
- Website
- investors.refi.reit
Price · as of 2024-12-31
$12.01
Market cap 256.13M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $35.33 | +194.17% |
| Intrinsic Value(DCF) | $5.62 | -53.21% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $7.54 | -37.26% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | |||||
| 2021 | $10.48 | ||||
| 2022 | $8.95 | $160.14 | $0.00 | $0.16 | $430.60 |
| 2023 | $12.35 | $32.44 | $0.00 | $0.00 | $53.03 |
| 2024 | $14.06 | $35.33 | $0.00 | $0.00 | $7.54 |
AI valuation
Our deep-learning model estimates Chicago Atlantic Real Estate Finance, Inc.'s (REFI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $35.33
- Current price
- $12.01
- AI upside
- +194.17%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$5.62
-53.21% upside
Graham-Dodd
—
— upside
Graham Formula
$7.54
-37.26% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| REFI | Chicago Atlantic Real Est… | $12.01 | 256.13M | +194% | -53% | — | -37% | 7.32 | 0.88 | 4.95 | — | — | 0.88 | 100.00% | 0.00% | 67.62% | 12.76% | 0.00% | 9.33% | 0.34 | 0.00 | 21.74 | 21.49 | — | -1090.00% | -444.00% | -1850.00% | 8.54% | 1.16 | 6.46% | 15.35% | 112.40% | 15.35% | — | 15.06 | 6.37 | 2.53 |
| AFCG | Advanced Flower Capital I… | $2.28 | 51.52M | +1,162% | +214% | — | +194% | 11.34 | 0.78 | 3.03 | 11.73 | — | 0.78 | 79.95% | 26.71% | 32.34% | 5.32% | 4.16% | 3.19% | 0.94 | 2.19 | 3.59 | 3.56 | 4.12 | -2157.00% | 19.00% | 155.00% | 13.71% | 0.19 | 6.67% | 25.43% | 288.50% | 25.43% | 17.47 | 11.24 | 4.67 | 1.40 |
| AOMR | Angel Oak Mortgage, Inc. | $8.58 | 213.76M | +1,222% | +82% | — | -70% | 7.12 | 0.86 | 3.98 | — | — | 0.86 | 100.00% | 0.00% | 55.87% | 11.61% | 0.00% | 1.26% | 7.41 | 0.00 | — | — | — | -1333.00% | -621.00% | -17227.00% | -108.18% | — | -12.16% | 15.32% | 109.10% | 25.07% | — | -8.74 | 37.60 | -0.05 |
| CMTG | Claros Mortgage Trust, In… | $2.39 | 335.12M | +916% | -62% | — | — | — | 0.21 | 1.61 | 306.54 | — | 0.21 | 38.26% | -224.83% | -242.53% | 0.00% | -8.02% | 0.00% | 2.05 | -13.67 | 1.80 | 1.79 | 276.35 | 11750.00% | 1815.00% | -13990.00% | -10.22% | -0.01 | -0.59% | 0.00% | — | 559.97% | -7.27 | -99.35 | 16.35 | -0.14 |
| EARN | Ellington Credit Company | $4.89 | 183.72M | +1,390% | +26% | — | -100% | 22.55 | 0.77 | 2.93 | 95.78 | — | 0.77 | 31.34% | 14.00% | 13.00% | 3.99% | 0.85% | 0.74% | 2.91 | 0.20 | 0.13 | 0.13 | 74.85 | -2258.00% | -845.00% | -19092.00% | 6.14% | 0.02 | 1.17% | 14.96% | 337.30% | 122.60% | 95.78 | 74.59 | 13.41 | -0.79 |
| LFT | Lument Finance Trust, Inc… | $1.38 | 72.26M | +1,647% | -5% | -38% | +413% | 5.72 | 0.54 | 3.72 | — | 33.17 | 0.55 | 100.00% | 0.00% | 64.97% | 9.47% | 0.00% | 1.76% | 3.68 | 0.00 | 0.00 | 5.30 | — | 1724.00% | 868.00% | 967.00% | 20.94% | 1.92 | 2.24% | 15.76% | 90.20% | 274.75% | — | 34.51 | 26.85 | 0.19 |
| NREF | NexPoint Real Estate Fina… | $14.51 | 257.14M | +1,725% | -60% | — | +1,785% | 6.95 | 0.52 | 2.27 | 56.11 | 9.93 | 0.52 | 89.97% | 76.84% | 26.46% | 8.58% | 1.39% | 0.58% | 10.01 | 1.91 | 13.12 | 13.00 | 53.34 | 7000.00% | 16210.00% | -720.00% | 11.71% | 0.07 | 0.48% | 18.53% | 128.90% | 707.62% | 59.82 | 173.17 | 45.97 | 1.14 |
| SEVN | Seven Hills Realty Trust | $8.56 | 130.43M | +534% | +239,415% | -5% | +1,087% | 8.55 | 0.40 | 2.24 | 10.78 | — | 0.40 | 80.45% | 76.33% | 26.22% | 5.16% | 6.86% | 2.04% | 1.48 | 1.52 | 0.27 | 0.27 | 7.91 | -1667.00% | 9642.00% | -2522.00% | 11.39% | 0.03 | 2.30% | 14.27% | 122.00% | 14.56% | 11.04 | 32.99 | 8.43 | -0.05 |
About Chicago Atlantic Real Estate Finance, Inc.
Chicago Atlantic Real Estate Finance, Inc. operates as a commercial real estate finance company in the United States. It originates, structures, and invests in first mortgage loans and alternative structured financings secured by commercial real estate properties. The company offers senior loans to state-licensed operators and property owners in the cannabis industry. It has elected to be taxed as a real estate investment trust (REIT) and would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was incorporated in 2021 and is based in Chicago, Illinois.
- CEO
- Anthony Robert Cappell
- Employees
- 0
- Beta
- 0.27
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($5.62 ÷ $12.01) − 1 = -53.21% (DCF, example).