REFI Valuation
Chicago Atlantic Real Estate Finance Inc
$
14.350
- Overview
- Forecast
- Valuation
- Earnings
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 Fair zone, suggesting that its current forward PE ratio of 7.95 is considered Fairly compared with the five-year average of 7.89. The fair price of Chicago Atlantic Real Estate Finance Inc (REFI) is between 12.23 to 14.52 according to relative valuation methord.
Relative Value
Fair Zone
12.23-14.52
Current Price：14.20
Fair
7.95
PE
1Y
3Y
5Y
Trailing
Forward
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.
5.01
PS
Chicago Atlantic Real Estate Finance Inc. (REFI) has a current PS of 5.01. The 5-year average PS is 5.16. The thresholds are as follows: Strongly Undervalued below 3.86, Undervalued between 3.86 and 4.51, Fairly Valued between 5.81 and 4.51, Overvalued between 5.81 and 6.46, and Strongly Overvalued above 6.46. The current Forward PS of 5.01 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 0.94. Compared to its 3-year average P/B ratio of 1.01 , the current P/B ratio is approximately -7.62% higher. Relative to its 5-year average P/B ratio of 1.03, the current P/B ratio is about -9.43% higher. Chicago Atlantic Real Estate Finance Inc (REFI) has a Forward Free Cash Flow (FCF) yield of approximately 8.32%. Compared to its 3-year average FCF yield of 7.99%, the current FCF yield is approximately 4.06% lower. Relative to its 5-year average FCF yield of 7.13% , the current FCF yield is about 16.60% lower.
0.94
P/B
Median3y
1.01
Median5y
1.03
8.32
FCF Yield
Median3y
7.99
Median5y
7.13
Competitors Valuation Multiple
The average P/S ratio for REFI's competitors is 3.28, providing a benchmark for relative valuation. Chicago Atlantic Real Estate Finance Inc Corp (REFI) exhibits a P/S ratio of 5.01, which is 52.66% above the industry average. Given its robust revenue growth of 10.95%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
REFI.O
Chicago Atlantic Real Estate Finance Inc
5.01
Average P/S: 3.28
10.95%
298.00M
BRT.N
BRT Apartments Corp
2.95
1.40%
285.43M
CIO.N
City Office REIT Inc
1.61
0.00%
279.72M
LAND.O
Gladstone Land Corp
4.24
-42.26%
320.96M
NREF.N
Nexpoint Real Estate Finance Inc
5.88
45.60%
259.09M
RITR.O
Reitar Logtech Holdings Ltd
Loss
246.65M
Performance Decomposition
1Y
3Y
5Y
Market capitalization of REFI decreased by 11.07% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 15.02M to 16.67M.
The secondary factor is the P/E Change, contributed -9.13%to the performance.
Overall, the performance of REFI in the past 1 year is driven by Revenue Growth. Which is more sustainable.
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FAQ
Is Chicago Atlantic Real Estate Finance Inc (REFI) currently overvalued or undervalued?
Chicago Atlantic Real Estate Finance Inc (REFI) is now in the Fair zone, suggesting that its current forward PE ratio of 7.95 is considered Fairly compared with the five-year average of 7.89. The fair price of Chicago Atlantic Real Estate Finance Inc (REFI) is between 12.23 to 14.52 according to relative valuation methord.
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 Aug 13 2025?
What is the current FCF Yield for Chicago Atlantic Real Estate Finance Inc (REFI) as of Aug 13 2025?
What is the current Forward P/E ratio for Chicago Atlantic Real Estate Finance Inc (REFI) as of Aug 13 2025?