REFI PE Ratio & Valuation,Is REFI Overvalued

REFI Relative Valuation

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. If the market price exceeds this fair value range, REFI is overvalued; if below, it's undervalued.

Historical Valuation

Chicago Atlantic Real Estate Finance Inc (REFI) is now in the Undervalued zone, suggesting that its current forward PE ratio of 7.37 is considered Undervalued compared with the five-year average of 7.87. The fair price of Chicago Atlantic Real Estate Finance Inc (REFI) is between 16.02 to 18.17 according to relative valuation methord. Compared to the current price of 12.80 USD , Chicago Atlantic Real Estate Finance Inc is Undervalued By 20.08%.

Relative Value

Fair Zone

16.02-18.17

Current Price：12.80

20.08%

Undervalued

7.50

0.00

EV/EBITDA

Chicago Atlantic Real Estate Finance Inc. (REFI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Chicago Atlantic Real Estate Finance Inc. (REFI) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

4.68

Chicago Atlantic Real Estate Finance Inc. (REFI) has a current PS of 4.68. The 5-year average PS is 5.13. The thresholds are as follows: Strongly Undervalued below 3.87, Undervalued between 3.87 and 4.50, Fairly Valued between 5.77 and 4.50, Overvalued between 5.77 and 6.40, and Strongly Overvalued above 6.40. The current Forward PS of 4.68 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Chicago Atlantic Real Estate Finance Inc. (REFI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Chicago Atlantic Real Estate Finance Inc. (REFI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Chicago Atlantic Real Estate Finance Inc (REFI) has a current Price-to-Book (P/B) ratio of 0.87. Compared to its 3-year average P/B ratio of 1.00 , the current P/B ratio is approximately -12.98% higher. Relative to its 5-year average P/B ratio of 1.02, the current P/B ratio is about -14.71% higher. Chicago Atlantic Real Estate Finance Inc (REFI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 8.63%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 7.28% , the current FCF yield is about -100.00% lower.

0.88

P/B

Median3y

1.00

Median5y

1.02

8.93

FCF Yield

Median3y

8.63

Median5y

7.28

Competitors Valuation Multiple

The average P/S ratio for REFI's competitors is , providing a benchmark for relative valuation. Chicago Atlantic Real Estate Finance Inc Corp (REFI) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of -6.20%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of REFI decreased by 9.27% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 6.86 to 7.68.

The secondary factor is the Revenue Growth, contributed -6.20%to the performance.

Overall, the performance of REFI in the past 1 year is driven by P/E Change. Which is more unsustainable.

-6.20%

16.26M → 15.25M

Revenue Growth

-15.05%

68.96 → 58.58

Margin Expansion

11.98%

6.86 → 7.68

P/E Change

-9.27%

14.34 → 13.01

Mkt Cap Growth

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Frequently Asked Questions

Is Chicago Atlantic Real Estate Finance Inc (REFI) currently overvalued or undervalued?

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 16.02 to 18.17 according to relative valuation methord.

How does REFI's valuation metrics compare to the industry average?

What is the current P/B ratio for Chicago Atlantic Real Estate Finance Inc (REFI) as of Dec 17 2025?

As of Dec 17 2025, Chicago Atlantic Real Estate Finance Inc (REFI) has a P/B ratio of 0.87. This indicates that the market values REFI at 0.87 times its book value.

What is the current FCF Yield for Chicago Atlantic Real Estate Finance Inc (REFI) as of Dec 17 2025?

As of Dec 17 2025, Chicago Atlantic Real Estate Finance Inc (REFI) has a FCF Yield of 0.00%. This means that for every dollar of Chicago Atlantic Real Estate Finance Inc’s market capitalization, the company generates 0.00 cents in free cash flow.

What is the current Forward P/E ratio for Chicago Atlantic Real Estate Finance Inc (REFI) as of Dec 17 2025?

As of Dec 17 2025, Chicago Atlantic Real Estate Finance Inc (REFI) has a Forward P/E ratio of 7.37. This means the market is willing to pay $7.37 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 Dec 17 2025?

As of Dec 17 2025, Chicago Atlantic Real Estate Finance Inc (REFI) has a Forward P/S ratio of 0.00. This means the market is valuing REFI at $0.00 for every dollar of expected revenue over the next 12 months.

REFI Valuation

REFI Valuation

REFI Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

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Frequently Asked Questions

Is Chicago Atlantic Real Estate Finance Inc (REFI) currently overvalued or undervalued?

What is Chicago Atlantic Real Estate Finance Inc (REFI) fair value?

How does REFI's valuation metrics compare to the industry average?

What is the current P/B ratio for Chicago Atlantic Real Estate Finance Inc (REFI) as of Dec 17 2025?

What is the current FCF Yield for Chicago Atlantic Real Estate Finance Inc (REFI) as of Dec 17 2025?

What is the current Forward P/E ratio for Chicago Atlantic Real Estate Finance Inc (REFI) as of Dec 17 2025?

What is the current Forward P/S ratio for Chicago Atlantic Real Estate Finance Inc (REFI) as of Dec 17 2025?