Historical Valuation
Chicago Atlantic Real Estate Finance Inc (REFI) is now in the Undervalued zone, suggesting that its current forward PE ratio of 7.06 is considered Undervalued compared with the five-year average of 7.86. The fair price of Chicago Atlantic Real Estate Finance Inc (REFI) is between 16.77 to 18.94 according to relative valuation methord. Compared to the current price of 12.39 USD , Chicago Atlantic Real Estate Finance Inc is Undervalued By 26.11%.
Relative Value
Fair Zone
16.77-18.94
Current Price：12.39
26.11%
Undervalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Chicago Atlantic Real Estate Finance Inc (REFI) has a current Price-to-Book (P/B) ratio of 0.83. Compared to its 3-year average P/B ratio of 1.00 , the current P/B ratio is approximately -16.45% higher. Relative to its 5-year average P/B ratio of 1.02, the current P/B ratio is about -18.17% higher. Chicago Atlantic Real Estate Finance Inc (REFI) has a Forward Free Cash Flow (FCF) yield of approximately 9.33%. Compared to its 3-year average FCF yield of 8.72%, the current FCF yield is approximately 7.03% lower. Relative to its 5-year average FCF yield of 7.29% , the current FCF yield is about 27.87% lower.
P/B
Median3y
1.00
Median5y
1.02
FCF Yield
Median3y
8.72
Median5y
7.29
Competitors Valuation Multiple
AI Analysis for REFI
The average P/S ratio for REFI competitors is 3.82, providing a benchmark for relative valuation. Chicago Atlantic Real Estate Finance Inc Corp (REFI.O) exhibits a P/S ratio of 4.48, which is 17.26% above the industry average. Given its robust revenue growth of -6.20%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for REFI
1Y
3Y
5Y
Market capitalization of REFI increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of REFI in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is REFI currently overvalued or undervalued?
Chicago Atlantic Real Estate Finance Inc (REFI) is now in the Undervalued zone, suggesting that its current forward PE ratio of 7.06 is considered Undervalued compared with the five-year average of 7.86. The fair price of Chicago Atlantic Real Estate Finance Inc (REFI) is between 16.77 to 18.94 according to relative valuation methord. Compared to the current price of 12.39 USD , Chicago Atlantic Real Estate Finance Inc is Undervalued By 26.11% .
What is Chicago Atlantic Real Estate Finance Inc (REFI) fair value?
REFI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Chicago Atlantic Real Estate Finance Inc (REFI) is between 16.77 to 18.94 according to relative valuation methord.
How does REFI's valuation metrics compare to the industry average?
The average P/S ratio for REFI's competitors is 3.82, providing a benchmark for relative valuation. Chicago Atlantic Real Estate Finance Inc Corp (REFI) exhibits a P/S ratio of 4.48, which is 17.26% above the industry average. Given its robust revenue growth of -6.20%, this premium appears unsustainable.
What is the current P/B ratio for Chicago Atlantic Real Estate Finance Inc (REFI) as of Jan 10 2026?
As of Jan 10 2026, Chicago Atlantic Real Estate Finance Inc (REFI) has a P/B ratio of 0.83. This indicates that the market values REFI at 0.83 times its book value.
What is the current FCF Yield for Chicago Atlantic Real Estate Finance Inc (REFI) as of Jan 10 2026?
As of Jan 10 2026, Chicago Atlantic Real Estate Finance Inc (REFI) has a FCF Yield of 9.33%. This means that for every dollar of Chicago Atlantic Real Estate Finance Inc’s market capitalization, the company generates 9.33 cents in free cash flow.
What is the current Forward P/E ratio for Chicago Atlantic Real Estate Finance Inc (REFI) as of Jan 10 2026?
As of Jan 10 2026, Chicago Atlantic Real Estate Finance Inc (REFI) has a Forward P/E ratio of 7.06. This means the market is willing to pay $7.06 for every dollar of Chicago Atlantic Real Estate Finance Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Chicago Atlantic Real Estate Finance Inc (REFI) as of Jan 10 2026?
As of Jan 10 2026, Chicago Atlantic Real Estate Finance Inc (REFI) has a Forward P/S ratio of 4.48. This means the market is valuing REFI at $4.48 for every dollar of expected revenue over the next 12 months.