Symbols

REFI

Chicago Atlantic·NASDAQ

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REFI fundamentals

REFI Q4 2025 Earnings

Chicago Atlantic (REFI) released its earnings on Mar 12, 2026: revenue was 16.08M (YoY +14.27%), beat estimates; EPS was 0.43 (YoY -6.52%), missed estimates.

Revenue / YoY

16.08M

+14.27%

EPS / YoY

0.43

-6.52%

Report date

Mar 12, 2026

REFI Earnings Call Summary for Q4,2025

Pipeline Growth: $616 million pipeline reflects 50% increase, driven by cannabis sector demand without lowering underwriting standards.
Rate Resilience: 91% of floating rate loans protected by prime rate floors; 100bp rate drop impacts net income minimally.
Dividend Strength: $0.47 quarterly dividend (12.4% annualized yield) with 90-100% payout ratio.
Strategic Restructuring: Successful ESOP deal and loan #9 restructuring highlight operational expertise.
Regulatory Impact: Federal rescheduling reduces tax risk, but underwriting remains independent of regulatory changes.

Earnings

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Revenue & Expenses

Key Indicators

Chicago Atlantic (REFI) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Chicago Atlantic (REFI)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Chicago Atlantic (REFI)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Cash Flow

Chicago Atlantic (REFI)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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