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Chicago Atlantic Real Estate Finance REFI Q4 2025 Annual earnings

Reported March 12, 2026 · Before market open

Revenue$14.2MMiss by $99.6K
EPS$0.43Beat by $0.01
Revenue estimate$14.3M
EPS estimate$0.42

Next report

Nov 3, 2026 (in a month)
Revenue estimate$14.8M
EPS estimate$0.50

Financials

Q4 2025

Income statement

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Revenue$16.1M+3.9%
Net income$8.2M+3.0%
EPS (diluted)$0.38-2.6%

Balance sheet

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Cash & equivalents$14.9M-43.4%
Total debt$49.3M+0.5%
Total equity$307.8M-0.4%
Total assets$424.9M-2.4%

Cash flow

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Operating cash flow$6.5M+257%
CapEx$1.3M-71.1%
Free cash flow$5.3M—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$258.38M-14.7%
Enterprise value$292.77M-10.0%
P/E7.2×-1.0×
P/S4.1×-0.8×

Profitability

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Net margin57.2%-2.4pp
FCF margin28%—

Returns & leverage

See full
Return on equity11.7%-1.1pp
Debt / equity0.2×0.0×

FAQ

When did Chicago Atlantic Real Estate Finance report Q4 2025 earnings?
Chicago Atlantic Real Estate Finance (REFI) reported Q4 2025 earnings on March 12, 2026 before market open.
What were Chicago Atlantic Real Estate Finance's Q4 2025 revenue and EPS?
Chicago Atlantic Real Estate Finance reported revenue of $14.2M and eps of $0.43 for Q4 2025.
Did Chicago Atlantic Real Estate Finance beat estimates in Q4 2025?
Revenue missed the consensus estimate of $14.3M by $99.6K. EPS beat the consensus estimate of $0.42 by $0.01.
How did Chicago Atlantic Real Estate Finance's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 2.4% from $13.9M a year earlier and eps declined 6.5% from $0.46.
Where can I find Chicago Atlantic Real Estate Finance's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001213900-26-026631) and the 10-K periodic report (0001193125-26-103027) directly on SEC EDGAR. The filing index links above go to sec.gov.