CHICAGO ATLANTIC REAL ESTATE (REFI) Stock Fundamental Analysis
USA - NASDAQ:REFI - US1672391026 - REIT
12.59 USD
-0.3 (-2.33%)
12.59 USD
0 (0%)
Taking everything into account, REFI scores 6 out of 10 in our fundamental rating. REFI was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While REFI has a great profitability rating, there are some minor concerns on its financial health. REFI is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year REFI was profitable.
REFI had a positive operating cash flow in the past year.
Of the past 5 years REFI 4 years were profitable.
Of the past 5 years REFI 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of REFI (8.36%) is better than 100.00% of its industry peers.
Looking at the Return On Equity, with a value of 12.27%, REFI belongs to the top of the industry, outperforming 97.06% of the companies in the same industry.
REFI's Return On Invested Capital of 6.95% is amongst the best of the industry. REFI outperforms 98.53% of its industry peers.
REFI had an Average Return On Invested Capital over the past 3 years of 7.95%. This is significantly above the industry average of 1.18%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.36% | ||
| ROE | 12.27% | ||
| ROIC | 6.95% |
ROA(3y)9.57%
ROA(5y)N/A
ROE(3y)12.82%
ROE(5y)N/A
ROIC(3y)7.95%
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 60.07%, REFI belongs to the best of the industry, outperforming 98.53% of the companies in the same industry.
In the last couple of years the Profit Margin of REFI has declined.
With an excellent Operating Margin value of 60.07%, REFI belongs to the best of the industry, outperforming 95.59% of the companies in the same industry.
In the last couple of years the Operating Margin of REFI has declined.
With an excellent Gross Margin value of 88.39%, REFI belongs to the best of the industry, outperforming 97.06% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 60.07% | ||
| PM (TTM) | 60.07% | ||
| GM | 88.39% |
OM growth 3Y-11.53%
OM growth 5YN/A
PM growth 3Y-11.31%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
Compared to 1 year ago, REFI has more shares outstanding
REFI has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.54, we must say that REFI is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of REFI (1.54) is better than 92.65% of its industry peers.
The Debt to FCF ratio of REFI is 4.99, which is a neutral value as it means it would take REFI, 4.99 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 4.99, REFI belongs to the best of the industry, outperforming 98.53% of the companies in the same industry.
REFI has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
REFI has a Debt to Equity ratio of 0.39. This is amongst the best in the industry. REFI outperforms 98.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 4.99 | ||
| Altman-Z | 1.54 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 1.63 indicates that REFI should not have too much problems paying its short term obligations.
With an excellent Current ratio value of 1.63, REFI belongs to the best of the industry, outperforming 92.65% of the companies in the same industry.
A Quick Ratio of 1.63 indicates that REFI should not have too much problems paying its short term obligations.
The Quick ratio of REFI (1.63) is better than 92.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 |
3. Growth
3.1 Past
REFI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.00%.
REFI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.53% yearly.
Looking at the last year, REFI shows a decrease in Revenue. The Revenue has decreased by -1.81% in the last year.
Measured over the past years, REFI shows a very strong growth in Revenue. The Revenue has been growing by 77.47% on average per year.
EPS 1Y (TTM)-12%
EPS 3Y8.53%
EPS 5YN/A
EPS Q2Q%-12.5%
Revenue 1Y (TTM)-1.81%
Revenue growth 3Y77.47%
Revenue growth 5YN/A
Sales Q2Q%-15.8%
3.2 Future
Based on estimates for the next years, REFI will show a small growth in Earnings Per Share. The EPS will grow by 0.48% on average per year.
REFI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.95% yearly.
EPS Next Y-3.97%
EPS Next 2Y-2.7%
EPS Next 3Y0.48%
EPS Next 5YN/A
Revenue Next Year-1.23%
Revenue Next 2Y1.71%
Revenue Next 3Y4.95%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.15 indicates a rather cheap valuation of REFI.
REFI's Price/Earnings ratio is rather cheap when compared to the industry. REFI is cheaper than 85.29% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.67. REFI is valued rather cheaply when compared to this.
REFI is valuated cheaply with a Price/Forward Earnings ratio of 7.07.
Based on the Price/Forward Earnings ratio, REFI is valued a bit cheaper than 77.94% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 31.86. REFI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.15 | ||
| Fwd PE | 7.07 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, REFI is valued a bit cheaper than 70.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of REFI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.7%
EPS Next 3Y0.48%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 14.56%, REFI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 13.19, REFI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, REFI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.56% |
5.2 History
REFI has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
111.84% of the earnings are spent on dividend by REFI. This is not a sustainable payout ratio.
DP111.84%
EPS Next 2Y-2.7%
EPS Next 3Y0.48%
12.59
-0.3 (-2.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners33.45%
Inst Owner Change-0.21%
Ins Owners14.07%
Ins Owner Change1.75%
Market Cap265.27M
Revenue(TTM)61.94M
Net Income(TTM)38.05M
Analysts81.82
Price Target17.98 (42.81%)
Short Float %3.39%
Short Ratio4.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.56% |
Yearly Dividend2.13
Dividend Growth(5Y)N/A
DP111.84%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.5%
Min EPS beat(2)-9.16%
Max EPS beat(2)0.17%
EPS beat(4)2
Avg EPS beat(4)-2.41%
Min EPS beat(4)-15.03%
Max EPS beat(4)14.38%
EPS beat(8)3
Avg EPS beat(8)-4.45%
EPS beat(12)5
Avg EPS beat(12)-3.22%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.28%
Min Revenue beat(2)-4.02%
Max Revenue beat(2)4.58%
Revenue beat(4)2
Avg Revenue beat(4)0.91%
Min Revenue beat(4)-4.02%
Max Revenue beat(4)6.78%
Revenue beat(8)3
Avg Revenue beat(8)-1.56%
Revenue beat(12)6
Avg Revenue beat(12)0.25%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.11%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.15 | ||
| Fwd PE | 7.07 | ||
| P/S | 4.19 | ||
| P/FCF | 11 | ||
| P/OCF | 11 | ||
| P/B | 0.86 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.76
EY13.98%
EPS(NY)1.78
Fwd EY14.14%
FCF(TTM)1.14
FCFY9.09%
OCF(TTM)1.14
OCFY9.09%
SpS3.01
BVpS14.71
TBVpS14.71
PEG (NY)N/A
PEG (5Y)N/A
Graham Number24.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.36% | ||
| ROE | 12.27% | ||
| ROCE | 8.8% | ||
| ROIC | 6.95% | ||
| ROICexc | 7.57% | ||
| ROICexgc | 7.57% | ||
| OM | 60.07% | ||
| PM (TTM) | 60.07% | ||
| GM | 88.39% | ||
| FCFM | 38.07% |
ROA(3y)9.57%
ROA(5y)N/A
ROE(3y)12.82%
ROE(5y)N/A
ROIC(3y)7.95%
ROIC(5y)N/A
ROICexc(3y)8.22%
ROICexc(5y)N/A
ROICexgc(3y)8.22%
ROICexgc(5y)N/A
ROCE(3y)10.97%
ROCE(5y)N/A
ROICexgc growth 3Y24.05%
ROICexgc growth 5YN/A
ROICexc growth 3Y24.05%
ROICexc growth 5YN/A
OM growth 3Y-11.53%
OM growth 5YN/A
PM growth 3Y-11.31%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 4.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.19 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 63.39% | ||
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 | ||
| Altman-Z | 1.54 |
F-Score3
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)62.87%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-12%
EPS 3Y8.53%
EPS 5YN/A
EPS Q2Q%-12.5%
EPS Next Y-3.97%
EPS Next 2Y-2.7%
EPS Next 3Y0.48%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.81%
Revenue growth 3Y77.47%
Revenue growth 5YN/A
Sales Q2Q%-15.8%
Revenue Next Year-1.23%
Revenue Next 2Y1.71%
Revenue Next 3Y4.95%
Revenue Next 5YN/A
EBIT growth 1Y2.28%
EBIT growth 3Y57.01%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.92%
FCF growth 3Y51.43%
FCF growth 5YN/A
OCF growth 1Y11.92%
OCF growth 3Y51.43%
OCF growth 5YN/A
CHICAGO ATLANTIC REAL ESTATE / REFI FAQ
Can you provide the ChartMill fundamental rating for CHICAGO ATLANTIC REAL ESTATE?
ChartMill assigns a fundamental rating of 6 / 10 to REFI.
Can you provide the valuation status for CHICAGO ATLANTIC REAL ESTATE?
ChartMill assigns a valuation rating of 6 / 10 to CHICAGO ATLANTIC REAL ESTATE (REFI). This can be considered as Fairly Valued.
What is the profitability of REFI stock?
CHICAGO ATLANTIC REAL ESTATE (REFI) has a profitability rating of 7 / 10.
What is the earnings growth outlook for CHICAGO ATLANTIC REAL ESTATE?
The Earnings per Share (EPS) of CHICAGO ATLANTIC REAL ESTATE (REFI) is expected to decline by -3.97% in the next year.
How sustainable is the dividend of CHICAGO ATLANTIC REAL ESTATE (REFI) stock?
The dividend rating of CHICAGO ATLANTIC REAL ESTATE (REFI) is 4 / 10 and the dividend payout ratio is 111.84%.