profit from every $100 of sales.
$0$100
Chicago Atlantic Real Estate Finance
$8.61-2.16% today
-32.6% in 1 year
1-year low $8.611-year high $13.47
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $6.13 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Chicago Atlantic Real Estate Finance sold, what it kept, and what it did with the cash.
Sales went from $48.9 million in 2022 to $55.6 million in 2025, with $36.0 million of profit last year.
SalesProfit
Chicago Atlantic Real Estate Finance handed back more cash to shareholders than it generated last year.
$44M
Free cash flow 2025$29M
Bought back its own shares–
Paid as dividends$44M
Cash vs. debt$15M vs. $98M
Chicago Atlantic Real Estate Finance vs. similar companies
Chicago Atlantic Real Estate Finance grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Chicago Atlantic Real Estate Finance | 6.1× · Cheap | ||
 Annaly Capital Management | 6.9× · Cheap | ||
 AGNC Investment | 6.3× · Cheap | ||
 Rithm Capital | 7.4× · Cheap | ||
 Starwood Property | 10.3× · Cheap |
AI analysis
An AI analyst reads Chicago Atlantic Real Estate Finance's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 49 | 57 | 55 | 56 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 32 | 39 | 37 | 36 | |
| 1.82 | 2.11 | 1.88 | 1.68 | |
| – | – | – | – | |
| – | – | – | – | |
| 66.1% | 67.5% | 67.6% | 64.8% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 343 | 359 | 435 | 425 |
| Cash | 6 | 8 | 26 | 15 |
| Total debt | 58 | 66 | 104 | 98 |
| Total liabilities | 79 | 87 | 126 | 117 |
| 264 | 272 | 309 | 308 | |
| 18 | 18 | 20 | 21 | |
| – | – | – | – | |
| 12.2% | 14.2% | 12.0% | 11.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 17 | 28 | 23 | 29 | |
| – | – | – | – | |
| 17 | 28 | 23 | 29 | |
| Dividends paid | 28 | 39 | 42 | 44 |
| – | – | – | – | |
| 0 | 1 | 3 | 3 |
Valuation
- 6.1×
- 4.8×
- –
- 0.8×
- 4.0×
- 7.7×
- –
- 13.1%
- 16.3%
- 16.2%
Profitability
- 93.9%
- 25.3%
- 64.8%
- 25.3%
- 0.0%
- 8.8%
- 0.0%
- 0.0%
- 0.0%
- –
Growth
- +4.4%
- −2.6%
- +24.3%
- –
- +6.5%
Financial health
- 1,432.2×
- 0.32
- 11.3%
- 2.0×
- 0.72
- 0.72
- 0.00
How it ranks in Real Estate
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 8%of 743
Bottom 36%of 749
Top 8%of 663
Bottom 38%of 759
Top 14%of 759
What analysts expect
- Average price target
- $14.00
- Range
- $14.00 – $14.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 7, 2026 | 0.46 | 0.48 | −4.2% |
| Mar 12, 2026 | 0.43 | 0.42 | +2.4% |
| Nov 4, 2025 | 0.49 | 0.46 | +6.5% |
| Aug 7, 2025 | 0.51 | 0.45 | +13.3% |
| May 7, 2025 | 0.46 | 0.45 | +2.2% |
| Mar 12, 2025 | 0.46 | 0.43 | +7.0% |
| Nov 7, 2024 | 0.56 | 0.48 | +16.7% |
| Aug 7, 2024 | 0.46 | 0.51 | −9.8% |
16.2%of the share price, paid each year
On $1,000 invested$162a year at today's yield, before tax
–per share
Raised–not every year
Paid per share, each year
$0.26 in 2021 → $1.88 in 2025
How safe it looks
121.8% of its profit
Room to growStretchedMore than it earns: 152.3%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
53No pass
Benjamin Graham
22No pass
Philip Fisher
67Pass
Peter Lynch
56No pass
Joel Greenblatt
28No pass
Charlie Munger
42No pass
Terry Smith
39No pass
Questions about Chicago Atlantic Real Estate Finance
Is Chicago Atlantic Real Estate Finance a good stock to buy?
A business with weak numbers, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Chicago Atlantic Real Estate Finance AI analysis
What does Chicago Atlantic Real Estate Finance do?
Chicago Atlantic Real Estate Finance, Inc. operates as a commercial mortgage real estate investment trust in the United States. It is in REIT - Mortgage.
Does Chicago Atlantic Real Estate Finance pay a dividend?
Yes. At today's price the dividend is 16.2% a year, about 122% of its yearly profit. In 2025 it paid out $43.8 million in dividends.
Is Chicago Atlantic Real Estate Finance stock halal?
No. Chicago Atlantic Real Estate Finance does not pass our halal screen: its main business, mortgage lending, is not permitted. How we check
How has Chicago Atlantic Real Estate Finance stock done over the past year?
Down 32.6% over the past twelve months, to $8.61. It traded between $8.61 and $13.47 and is 36.1% below its high.
Who are Chicago Atlantic Real Estate Finance's competitors?
The largest listed companies in the same industry are Annaly Capital Management, AGNC Investment, Rithm Capital and Starwood Property. The peers table on this page compares their profit, growth and price with Chicago Atlantic Real Estate Finance's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.