Chicago Atlantic (REFI) Fundamental Analysis: Revenue, Earnings & Valuation

9.78 / 10

Outperform

Fundamentals are exceptional, scoring 9.8/10. Key strengths include Net Income‑Revenue, Return on Assets and Profit‑MV, while PB‑ROE and Revenue‑MV lag. Weighted factor score reaches 9.78, indicating robust profitability and asset efficiency despite modest valuation gaps.

Analysis Checks(7/10)

Revenue-MV

Value-1.15

Score1/3

Weight-42.39%

1M Return-2.03%

Net assets per share (growth rate compared to beginning of year %)

Value-1.56

Score3/3

Weight107.87%

1M Return3.86%

Current liabilities / Total liabilities (%)

Value48.71

Score2/3

Weight-0.28%

1M Return-0.01%

Profit-MV

Value1.63

Score3/3

Weight88.70%

1M Return2.87%

Net income-Revenue

Value1.07

Score3/3

Weight81.71%

1M Return2.82%

PB-ROE

Value-0.46

Score0/3

Weight-78.82%

1M Return-3.91%

Rate of return on total assets (%)

Value-10.79

Score2/3

Weight7.54%

1M Return0.34%

Annualized return on total assets (%)

Value-10.79

Score2/3

Weight7.54%

1M Return0.34%

Diluted earnings per share (YoY growth rate %)

Value-10.64

Score2/3

Weight-3.70%

1M Return-0.17%

Cash-MV

Value-0.48

Score1/3

Weight-68.17%

1M Return-3.07%

Is REFI undervalued or overvalued?

REFI scores 9.78/10 on fundamentals and holds a Discounted valuation at present. Backed by its 11.68% ROE, 65.01% net margin, 6.43 P/E ratio, 0.75 P/B ratio, and -10.94% earnings growth, these metrics solidify its Outperform investment rating.