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Chicago Atlantic Real Estate ate Finance Inc (REFI)
NASDAQ:REFI
US Market
REFI
Chicago Atlantic Real Estate ate Finance Inc
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Chicago Atlantic Real Estate ate Finance Inc (REFI) Ratios

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Chicago Atlantic Real Estate ate Finance Inc Ratios

REFI's free cash flow for Q4 2025 was $0.88. For the 2025 fiscal year, REFI's free cash flow was decreased by $ and operating cash flow was $0.51. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.28 0.28 21.74 18.53 17.34
Quick Ratio
 0.28 0.28 21.74 18.53 17.34
Cash Ratio
 0.22 0.22 1.32 0.41 0.29
Solvency Ratio
 0.31 0.31 0.29 0.44 0.41
Operating Cash Flow Ratio
 0.43 430.26 1.16 1.47 0.86
Short-Term Operating Cash Flow Coverage
 0.59 586.41 0.00 0.00 0.00
Net Current Asset Value
$ -98.14M$ -98.14M$ 308.65M$ 270.64M$ 263.23M
Leverage Ratios
Debt-to-Assets Ratio
 0.23 0.23 0.24 0.18 0.17
Debt-to-Equity Ratio
 0.32 0.32 0.34 0.24 0.22
Debt-to-Capital Ratio
 0.24 0.24 0.25 0.20 0.18
Long-Term Debt-to-Capital Ratio
 0.14 0.14 0.25 0.20 0.18
Financial Leverage Ratio
 1.38 1.38 1.41 1.32 1.30
Debt Service Coverage Ratio
 0.14 0.64 0.00 0.00 0.00
Interest Coverage Ratio
 1.08 4.77 0.00 0.00 0.00
Debt to Market Cap
 0.39 0.38 0.35 0.23 0.22
Interest Debt Per Share
 5.05 5.05 5.77 3.97 3.43
Net Debt to EBITDA
 10.23 2.32 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
96.62%86.88%100.00%100.00%100.00%
EBIT Margin
14.21%57.07%0.00%0.00%0.00%
EBITDA Margin
14.21%57.07%0.00%0.00%0.00%
Operating Profit Margin
14.21%57.07%0.00%0.00%0.00%
Pretax Profit Margin
62.74%57.07%67.62%67.52%66.10%
Net Profit Margin
62.74%57.07%67.62%67.52%66.10%
Continuous Operations Profit Margin
62.74%57.07%67.62%67.52%66.10%
Net Income Per EBT
100.00%100.00%100.00%100.00%100.00%
EBT Per EBIT
441.45%100.00%0.00%0.00%0.00%
Return on Assets (ROA)
8.47%8.47%8.51%10.78%9.41%
Return on Equity (ROE)
11.63%11.70%11.99%14.24%12.23%
Return on Capital Employed (ROCE)
2.28%10.06%0.00%0.00%0.00%
Return on Invested Capital (ROIC)
2.00%8.85%0.00%0.00%0.00%
Return on Tangible Assets
8.47%8.47%8.51%10.78%9.41%
Earnings Yield
14.16%13.98%12.46%13.23%12.14%
Efficiency Ratios
Receivables Turnover
 14.31 15.74 0.14 0.16 0.15
Payables Turnover
 1.44 6.14 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 0.00 0.00 0.00 0.00
Asset Turnover
 0.14 0.15 0.13 0.16 0.14
Working Capital Turnover Ratio
 -1.41 0.34 0.15 0.17 0.17
Cash Conversion Cycle
 -228.52 -36.27 2.69K 2.22K 2.51K
Days of Sales Outstanding
 25.50 23.19 2.69K 2.22K 2.51K
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 254.02 59.46 0.00 0.00 0.00
Operating Cycle
 25.50 23.19 2.69K 2.22K 2.51K
Cash Flow Ratios
Operating Cash Flow Per Share
 1.37 1.37K 1.20 1.57 0.96
Free Cash Flow Per Share
 1.37 1.37K 1.20 1.57 0.96
CapEx Per Share
 0.00 0.00 <0.01 0.00 <0.01
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 0.66 0.66 0.56 0.73 0.60
Capital Expenditure Coverage Ratio
 0.00 0.00 5.79M 0.00 3.40M
Operating Cash Flow Coverage Ratio
 0.29 292.51 0.22 0.43 0.29
Operating Cash Flow to Sales Ratio
 0.50 456.29 0.42 0.50 0.35
Free Cash Flow Yield
11.28%11181.20%7.79%9.71%6.39%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.06 7.15 8.03 7.56 8.24
Price-to-Sales (P/S) Ratio
 4.45 4.08 5.43 5.10 5.45
Price-to-Book (P/B) Ratio
 0.83 0.84 0.96 1.08 1.01
Price-to-Free Cash Flow (P/FCF) Ratio
 8.87 <0.01 12.84 10.30 15.64
Price-to-Operating Cash Flow Ratio
 8.83 <0.01 12.84 10.30 15.64
Price-to-Earnings Growth (PEG) Ratio
 -12.15 -0.65 -0.78 0.45 0.03
Price-to-Fair Value
 0.83 0.84 0.96 1.08 1.01
Enterprise Value Multiple
 41.53 9.47 0.00 0.00 0.00
Enterprise Value
 338.77M 340.99M 374.99M 350.72M 318.33M
EV to EBITDA
 41.53 9.47 0.00 0.00 0.00
EV to Sales
 5.90 5.40 6.85 6.12 6.52
EV to Free Cash Flow
 11.77 0.01 16.19 12.34 18.72
EV to Operating Cash Flow
 11.77 0.01 16.19 12.34 18.72
Tangible Book Value Per Share
 14.66 14.66 16.02 15.03 14.96
Shareholders’ Equity Per Share
 14.66 14.66 16.02 15.03 14.96
Tax and Other Ratios
Effective Tax Rate
 0.00 0.00 0.00 0.00 0.00
Revenue Per Share
 2.73 3.00 2.84 3.17 2.77
Net Income Per Share
 1.71 1.71 1.92 2.14 1.83
Tax Burden
 1.00 1.00 1.00 1.00 1.00
Interest Burden
 4.41 1.00 0.00 0.00 0.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.15 0.14 0.15 0.12 0.08
Stock-Based Compensation to Revenue
 -22.05 53.39 0.06 0.03 <0.01
Income Quality
 >-0.01 0.80 0.63 0.73 0.53
Currency in USD