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

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 Q3 2025 was $0.91. For the 2025 fiscal year, REFI's free cash flow was decreased by $ and operating cash flow was $0.69. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.55 328.14 377.91
Quick Ratio
0.00 0.55 321.60 377.91
Cash Ratio
0.59 0.41 5.40 376.95
Solvency Ratio
0.31 0.51 0.62 -0.22
Operating Cash Flow Ratio
0.49 1.48 16.07 31.33
Short-Term Operating Cash Flow Coverage
0.46 0.00 0.00 0.00
Net Current Asset Value
$ -117.16M$ -76.91M$ 267.97M$ 66.36M
Leverage Ratios
Debt-to-Assets Ratio
0.24 0.18 0.17 0.71
Debt-to-Equity Ratio
0.33 0.24 0.22 0.75
Debt-to-Capital Ratio
0.25 0.20 0.18 0.43
Long-Term Debt-to-Capital Ratio
0.14 0.20 0.18 0.00
Financial Leverage Ratio
1.38 1.32 1.30 1.05
Debt Service Coverage Ratio
0.72 7.73 >-0.01 0.00
Interest Coverage Ratio
6.03 6.70 13.35 126.18
Debt to Market Cap
0.39 0.23 0.22 0.00
Interest Debt Per Share
5.16 3.97 3.43 11.33
Net Debt to EBITDA
1.70 1.31 1.50 12.27
Profitability Margins
Gross Profit Margin
97.47%84.68%-7856.60%91.83%
EBIT Margin
75.53%77.56%71.45%86.43%
EBITDA Margin
75.53%77.56%71.45%86.43%
Operating Profit Margin
75.53%67.21%71.45%86.43%
Pretax Profit Margin
63.00%67.52%66.10%85.75%
Net Profit Margin
63.00%67.52%66.10%85.75%
Continuous Operations Profit Margin
63.00%67.52%66.10%85.75%
Net Income Per EBT
100.00%100.00%100.00%100.00%
EBT Per EBIT
83.40%100.47%92.51%99.21%
Return on Assets (ROA)
8.38%10.78%9.41%3.41%
Return on Equity (ROE)
11.54%14.24%12.23%3.60%
Return on Capital Employed (ROCE)
11.35%11.33%10.20%3.44%
Return on Invested Capital (ROIC)
1372.38%-514.21%-0.41%-0.03%
Return on Tangible Assets
8.38%10.78%9.41%3.41%
Earnings Yield
13.81%13.23%12.14%3.27%
Efficiency Ratios
Receivables Turnover
12.58 51.58 21.98 54.32
Payables Turnover
0.00 7.76 3.67K 4.25
Inventory Turnover
0.00 0.00 561.74 0.00
Fixed Asset Turnover
0.00 0.00 0.00 0.00
Asset Turnover
0.13 0.16 0.14 0.04
Working Capital Turnover Ratio
-1.15 0.34 0.23 0.00
Cash Conversion Cycle
29.02 -39.98 17.15 -79.13
Days of Sales Outstanding
29.02 7.08 16.60 6.72
Days of Inventory Outstanding
0.00 0.00 0.65 0.00
Days of Payables Outstanding
0.00 47.05 0.10 85.85
Operating Cycle
29.02 7.08 17.25 6.72
Cash Flow Ratios
Operating Cash Flow Per Share
1.14 1.57 0.96 0.38
Free Cash Flow Per Share
1.14 1.57 0.96 0.38
CapEx Per Share
<0.01 0.00 0.00 0.00
Free Cash Flow to Operating Cash Flow
1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
<0.01 0.73 0.60 1.30
Capital Expenditure Coverage Ratio
8.03M 0.00 0.00 0.00
Operating Cash Flow Coverage Ratio
0.24 0.43 0.29 0.03
Operating Cash Flow to Sales Ratio
0.42 0.50 0.35 0.60
Free Cash Flow Yield
9.31%9.71%6.39%2.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
7.25 7.56 8.24 30.60
Price-to-Sales (P/S) Ratio
4.57 5.10 5.45 26.24
Price-to-Book (P/B) Ratio
0.84 1.08 1.01 1.10
Price-to-Free Cash Flow (P/FCF) Ratio
10.76 10.30 15.64 43.57
Price-to-Operating Cash Flow Ratio
10.76 10.30 15.64 43.57
Price-to-Earnings Growth (PEG) Ratio
-0.90 0.45 0.03 0.00
Price-to-Fair Value
0.84 1.08 1.01 1.10
Enterprise Value Multiple
7.74 7.89 9.12 42.63
Enterprise Value
331.73M 350.72M 318.33M 408.07M
EV to EBITDA
7.73 7.89 9.12 42.63
EV to Sales
5.84 6.12 6.52 36.85
EV to Free Cash Flow
13.76 12.34 18.72 61.19
EV to Operating Cash Flow
13.76 12.34 18.72 61.19
Tangible Book Value Per Share
14.71 15.03 14.96 15.13
Shareholders’ Equity Per Share
14.71 15.03 14.96 15.13
Tax and Other Ratios
Effective Tax Rate
0.00 0.00 1.08 1.01
Revenue Per Share
2.69 3.17 2.77 0.63
Net Income Per Share
1.70 2.14 1.83 0.54
Tax Burden
1.00 1.00 1.00 1.00
Interest Burden
0.83 0.87 0.93 0.99
Research & Development to Revenue
0.00 0.00 <0.01 <0.01
SG&A to Revenue
0.14 0.28 0.22 0.14
Stock-Based Compensation to Revenue
43.32 0.03 <0.01 <0.01
Income Quality
<0.01 0.73 0.53 0.70
Currency in USD