Price (90d)
No price history yet — the daily price refresh runs once a day.
Signal Score (90d)
93Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $63.10M | $36.01M | $1.71 |
| 2024 | $54.78M | $37.05M | $1.92 |
| 2023 | $57.33M | $38.71M | $2.14 |
| 2022 | $48.86M | $32.29M | $1.83 |
| 2021 | $14.47M | $12.66M | $0.54 |
Social Signal Score
Earnings
Tue, Nov 3(in 3 months)
Consensus estimate $0.50 per share
Typical surprise +2.4% (median, so one quarter with a near-zero estimate can't distort it)
- Tue, Aug 11$0.43 vs $0.48miss
- Thu, May 7$0.46 vs $0.48miss
- Thu, Mar 12$0.43 vs $0.42beat
- Tue, Nov 4$0.49 vs $0.46beat
- Thu, Aug 7$0.51 vs $0.45beat
- Wed, May 7$0.46 vs $0.45beat
Estimates and results for REFI via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Valuation
Project earnings forward and see what return today's price implies.
Seeded from REFI's reported EPS growth of 33.4% a year over 4 years. Historical EPS growth of 33% reflects a recovery from a low base and won't persist. Capped at 30% as a starting point.
- EPS in 5 years
- $6.37
- Implied price
- $44.56
- Return from $10.15
- 34.4% a year
To earn 15.0% a year on these assumptions you'd need to buy at $22.15 — today's price is already 54.2% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 3 | 5 | 7 | 9 | 11 |
|---|---|---|---|---|---|
| 20.0% | 4.7% | 16.0% | 24.1% | 30.5% | 35.8% |
| 25.0% | 9.1% | 20.8% | 29.3% | 35.9% | 41.5% |
| 30.0% | 13.5% | 25.7% | 34.4% | 41.4% | 47.1% |
| 35.0% | 17.8% | 30.5% | 39.6% | 46.8% | 52.8% |
| 40.0% | 22.2% | 35.3% | 44.8% | 52.2% | 58.5% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Mentions (3)
- Newsseekingalpha.com·4d ago·Positive
Chicago Atlantic Real Estate Finance, Inc. (REFI) Q2 2026 Earnings Call Transcript Chicago Atlantic Real Estate Finance, Inc. (REFI) Q2 2026 Earnings Call Transcript
View source ↗ - Newsmarketbeat.com·4d ago·Negative
Chicago Atlantic Real Estate Finance Q2 Earnings Call Highlights Chicago Atlantic Real Estate Finance NASDAQ: REFI reported second-quarter distributable earnings of $0.44 per basic weighted average common share, below its $0.47 quarterly dividend, as early loan repayments temporarily delayed the redeployment of capital.
View source ↗ - Newszacks.com·4d ago·Negative
Chicago Atlantic Real Estate Finance, Inc. (REFI) Lags Q2 Earnings and Revenue Estimates Chicago Atlantic Real Estate Finance, Inc. (REFI) came out with quarterly earnings of $0.43 per share, missing the Zacks Consensus Estimate of $0.48 per share. This compares to earnings of $0.51 per share a year ago.
View source ↗