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Stocks
Chicago Atlantic Real Estate Finance, Inc.
REFI

REFI Chicago Atlantic Real Estate Finance, Inc.

Chicago Atlantic Real Estate Finance, Inc. · NASDAQ
Market Open
10.85
▼ ⁦-1.23%⁩ (-0.14)
Market Cap$234.0M
Beta0.34
52w Low52w High
9.7713.92
Last Week
⁦+1.07%⁩
Last Month
⁦+5.60%⁩
Last 3 Months
⁦-4.53%⁩
Last Year
⁦-18.46%⁩
EL7 Factor Analysis
How we score this
Overall67
Strong — clearly above market medianContrarianF 4/9DistressInsider cluster buyBetter than 67% of Market stocks, per EL7's modelUnsustainable dividend (payout > 100%)
FactorScoreDistributionValueAvgRank
▸
Valuation
77
8.0x▲17.6xTop tier
▸
Growth
33
17.6%▲7.1%Bottom tier
▸
Quality
78
6.2%▲4.5%Top tier
▸
Safety
51
5.1x▼2.6xAround median
▸
Capital Return
60
17.12%▲2.15%Around median
▸
Momentum
28
-22.8%▼2.3%Bottom tier
▸
Sentiment
90
4▲3Top tier

Frequently Asked Questions

What is Chicago Atlantic Real Estate Finance, Inc. stock?▼

Chicago Atlantic Real Estate Finance, Inc. is a publicly traded stock representing ownership in the company, giving holders rights to dividends and voting.

How can I invest in Chicago Atlantic Real Estate Finance, Inc.?▼

You can buy Chicago Atlantic Real Estate Finance, Inc. shares through a licensed brokerage. Research the company's financials before investing.

What are the key metrics for evaluating Chicago Atlantic Real Estate Finance, Inc.?▼

Key metrics include Price-to-Earnings (P/E) ratio, Return on Equity (ROE), revenue growth, and net profit margin.

Does Chicago Atlantic Real Estate Finance, Inc. pay dividends?▼

Dividend policies vary by company. Check the dividends section on the stock page for the payout history.

What are the risks of investing in Chicago Atlantic Real Estate Finance, Inc.?▼

Risks include market volatility, sector-specific risks, regulatory changes, and company financial performance. Diversification helps reduce risk.

Fair Value
Low confidenceCurrent price$11
Analyst target · 1 analysts
$16
⁦+46%⁩
See it clearly undervalued
Range ⁦$16–$16⁩
vs
DCF (estimate)
$15
⁦+34%⁩
Sees it clearly undervalued
⁦7.9⁩% discount · ⁦0⁩% growth
Bottom lineThe two methods broadly agree — estimate range ⁦$15–$16⁩.

Estimates — analyst targets and a simplified DCF, not investment advice.

Compare in the screener

AI analysis from the earnings call, financials and news

Analyst Consensus

This section combines price targets, revision history, analyst coverage changes, and an AI summary of what changed on the Street.

Price Target· 1 analysts setting price target
$16.00
⁦+47.5%⁩
Current Price $10.85·Median $16.00
Low
$16.00
High
$16.00
Street summary

REFI Price Target Revision Analysis

The consensus price target for Chicago Atlantic Real Estate Finance has seen a decline of 5.88% over the past thirty days, falling from $17 to $16, with this target remaining unchanged over the last week. This adjustment reflects a more conservative outlook from analysts, although the current price (10.59) is still trading significantly below the consensus price target, indicating a wide valuation gap.

As of 2026-08-19
Revisions momentum · 30d
⁦0.0%⁩
Average rating
★ 3.80
Buy
Analyst coverage
5
Buy conviction
60%
Mixed
Target dispersion
0%
Analyst ratings over time5 analysts rating
1
2
2
Strong BuyBuyHoldSellStrong Sell
Rating trend — last 12 months3.80 → 3.80
Recent analyst moves
  • = Reiterate2026-08-12
    Citigroup
    Market Outperform
  • = Reiterate2025-11-06
    Oppenheimer
    —· $14.00
  • = Reiterate2022-08-10
    EF Hutton
    Buy· $20.00
Premium content
Key Financials

Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.

StockSector medianSector averagetypical sector range
MetricValuePosition within sectorVerdict
  • P/E (TTM)
    7.96x
    4.95x39.56x
    Very cheap
  • Forward P/E
    5.58x
    5.64x45.11x
    Very cheap
  • EV / EBITDA
    16.41x
    3.67x29.34x
    Near median
  • FCF Yield
    9.6%
    -23.8%16.9%
    Strong
  • Revenue Growth YoY
    17.6%
    -14.8%37.5%
    Above average
  • EPS Growth YoY
    -25.0%
    -121.9%182.8%
    Near median
  • Gross Margin
    82.4%
    -7.5%81.6%
    Exceptional
  • ROIC
    6.2%
    -4.2%9.5%
    Strong
  • Net Debt / EBITDA
    5.11x
    1.55x12.39x
    Low debt
  • Dividend Yield
    17.1%
    0.7%15.9%
    High
  • Payout Ratio
    138.2%
    32.0%370.1%
    Moderate
  • Altman Z-Score
    1.23
    -0.893.07
    Above average
Financial Analysis
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