Chicago Atlantic Real Estate Finance, Inc. Quality Score

REFI

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Quality33

Weak across most dimensions. This doesn't mean avoid, but the burden of proof is on the bull case.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Valuation

Growth

P/FFO Multiple

100/100

7.1x

7.1x OCF, reasonable REIT valuation

Not enough quarterly data
for a 1-year trend

Business Quality & Capital Allocation

Dividend Coverage

0/100

151%

151% payout, dividends strain FFO

Debt / EBITDA

100/100

1.3x

1.3x EBITDA, conservative leverage

Interest Coverage

80/100

4.8x

4.8x coverage, healthy buffer

Chicago Atlantic Real Estate Finance (REFI) quality: score, margins and returns

Chicago Atlantic Real Estate Finance (REFI) scores 33/100 on Intrinsiqq's quality score (a lower-quality business), a weighted blend of 4 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Chicago Atlantic Real Estate Finance (REFI) a high-quality business?+

Chicago Atlantic Real Estate Finance scores 33 out of 100 on Intrinsiqq's quality score, a weighted blend of 4 metrics each scored 0 to 100, which rates it a lower-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Chicago Atlantic Real Estate Finance's quality score measure?+

Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from REFI's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Chicago Atlantic Real Estate Finance scores well and where it falls behind.

More on REFI: Overview · DCF valuation · Dividend safety · Financials

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 6 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 12 Aug 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

Peers

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Held by ETFs

REFI is in 9 US ETFs. The largest of them, with REFI's weight in each:

Spot a number that looks wrong? Check it in REFI's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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