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REFI Financial Statements and Analysis

NASDAQ : REFI

Chicago Atlantic Real Estate Finance, Inc.

$16.05
0.01+0.06%
At Close 4:00 PM
68.21
BESG ScoreESG Rating

REFI FINANCIAL STATEMENTS

An instrumental part of fundamental analysis is measuring key indicators of an asset, which are the factors that can influence its value and price. However, sometimes investors show more interest in financial statements with other factors to determine whether investing in that company is the right decision. Financial statements of a company include:

  • Balance Sheet
  • Income Statement
  • Cash Flow Statement

REFI Income Statement

A company's income statement helps investors and business owners determine whether the company is profitable or losing money. Profitability is a key factor investors consider before investing in a stock. Income statements provide them with information about a company's profitability over time. The statement also enables them to observe trends in company spending and earnings since it breaks down individual costs and revenues. Income statements also provide details on where a company's money is going when it isn't profitable or its profits fluctuate.

Date2024-09-302024-06-302024-03-312023-12-312023-09-30
reported currencyUSDUSDUSDUSDUSD
calendar year20242024202420232023
periodQ3Q2Q1Q4Q3
revenue14.459M15.022M15.416M16.635M13.82M
cost of revenue989.597M1.775M1.755M3.244M41.351M
gross profit-975.138M13.248M13.661M13.391M-27.531M
gross profit ratio-67.440.8820.8860.805-1.992
research and development expenses00000
general and administrative expenses1.723B2.091M1.922M-3.575M3.393M
selling and marketing expenses0836.333K000
selling general and administrative expenses1.723B2.091M1.922M-3.575M3.393M
other expenses12.36M-2.091M-2.827M-2.303M-2.156M
operating expenses1.723B4.275M2.827M2.303M1.742B
cost and expenses2.712B3.999M4.582M5.547M1.784B
interest income16.259M15.022M15.344M16.53M15.183M
interest expense1.799M1.839M2.104M1.691M1.449M
depreciation and amortization0-9.184M-8.733M0-9.891M
ebitda-2.712B11.023M2.101M11.088M-1.784B
ebitda ratio-187.5810.7340.7030.667-129.072
operating income-2.712B11.023M10.834M11.088M-1.784B
operating income ratio-187.5810.7340.7030.667-129.072
total other income expenses net13.924B0-3.176K-1.691M11.761B
income before tax11.212B9.184M8.73M9.398M9.977M
income before tax ratio775.3880.6110.5660.630.722
income tax expense09.184M8.733M00
net income11.212M9.184M8.73M9.398M9.977M
net income ratio0.7750.6110.5660.630.722
eps0.570.470.480.520.55
eps diluted0.560.460.470.510.54
weighted average shs out19.625M19.378M18.274M18.182M18.175M
weighted average shs out dil20.058M19.89M18.64M18.565M18.563M
Graph

REFI Balance Sheet

Balance sheet summarizes a company's financials and can be used as a basis by investors to determine the value of a company. It shows the value of the stock, as well as the assets and liabilities of the company. A company's balance sheet displays how its assets are put to use and how those assets are financed, based on the liabilities section. Both investors and analysts analyze a company's balance sheet to determine how it allocates its resources.

Date2024-09-302024-06-302024-03-312023-12-312023-09-30
reported currencyUSDUSDUSDUSDUSD
calendar year20242024202420232023
periodQ3Q2Q1Q4Q3
cash and cash equivalents6.76M7.071M6.904M7.898M8.702M
short term investments6.754B0008.693B
cash and short term investments6.76B7.071M6.904M7.898M8.702B
net receivables1.099B2.008M1.119M1.111M6.458M
inventory01.00003.181B
other current assets02.336M5.937M-9.009M-14.214M
total current assets7.86B386.49M383.33M011.875B
property plant equipment net00000
goodwill00000
intangible assets00000
goodwill and intangible assets00000
long term investments000842.269K3.469M
tax assets00000
other non current assets0377.11M325.415K-842.269K-3.469M
total non current assets-7.494B377.11M325.415K03.469M
other assets365.913M-377.11M0359.226M-11.526B
total assets365.913M386.49M383.655M359.226M352.31M
account payables001.343M1.135M1.188M
short term debt00000
tax payables00000
deferred revenue0-76.75M-81.25M00
other current liabilities12.507M0-1.343M-1.135M-1.188M
total current liabilities12.507M15.065M14.625M1.135M1.188M
long term debt076.75M81.25M66.00M63.00M
deferred revenue non current00000
deferred tax liabilities non current00000
other non current liabilities0-76.75M-81.25M-66.00M-63.00M
total non current liabilities078.70M83.069M87.372M63.00M
other liabilities70.446M76.75M0-1.135M12.337M
capital lease obligations00000
total liabilities70.446M170.515M97.694M87.372M76.524M
preferred stock00000
common stock196.345K196.245K191.003K181.972K181.823K
retained earnings-4.452B-6.394M-6.089M-5.812M-1.343M
accumulated other comprehensive income loss00000
other total stockholders equity4.747B298.923M291.859M277.483M276.946M
total stockholders equity295.467M292.725M285.961M271.853M275.785M
total equity295.467M292.725M285.961M271.853M275.785M
total liabilities and stockholders equity365.913M463.24M383.655M359.226M352.31M
minority interest00000
total investments6.754B00842.269K3.469M
total debt54.00M76.75M81.25M66.00M63.00M
net debt47.24M69.679M74.346M58.102M54.298M
Graph

REFI Cash Flow

A cash flow statement is regarded as a valuable indicator of profitability and the long-term outlook for a company. It assists the company in evaluating whether it has sufficient funds to cover its expenses. Essentially, a cash flow statement represents an organization's financial health. The cash flow statement, which measures the business's ability to operate in the short as well as long term, is broken down into operating, investing, and financing activities.

Date2024-09-302024-06-302024-03-312023-12-312023-09-30
reported currencyUSDUSDUSDUSDUSD
calendar year20242024202420232023
periodQ3Q2Q1Q4Q3
deferred income tax0000-147.24M
stock based compensation2.212B836.333K531.293K537.131K540.426K
change in working capital-205.858K-462.697K668.555K10.394M-7.496M
accounts receivables897.122K-889.281K-7.841K4.94M-1.232M
inventory0000-3.589M
accounts payables226.514M154.14K-1.214M1.704M-196.052K
other working capital-2.163M272.444K1.89M3.749M-2.479M
other non cash items-10.172B-1.775M-1.259M-4.825M-1.458M
net cash provided by operating activities21.319B6.211M6.918M15.504M999.964K
investments in property plant and equipment-4.004.00000
acquisitions net00000
purchases of investments00000
sales maturities of investments19.00B0000
other investing activites-17.01B-2.855M-18.717M0-21.701M
net cash used for investing activites1.99B-2.855M-18.717M-10.74M-21.701M
debt repayment-19.764M-4.563M-15.20M-3.00M-10.00M
common stock issued20.776B11.168M9.472M00
common stock repurchased00000
dividends paid-32.342B-9.24M-13.867M-8.568M-8.562M
other financing activites-12.86B-390.369K-389.65K6.00M29.945M
net cash used provided by financing activities-24.445B-3.189M10.806M-5.568M11.383M
effect of forex changes on cash000010.673B
net change in cash6.753B166.77K-993.927K-804.117K-9.319M
cash at end of period6.76B7.071M6.904M7.898M8.702M
cash at beginning of period7.071M6.904M7.898M8.702M18.021M
operating cashflow21.319B6.211M6.918M15.504M999.964K
capital expenditure-4.004.00000
free cash flow21.319B6.211M6.918M15.504M999.964K
Graph

Frequently Asked Questions

How did Chicago Atlantic Real Estate Finance, Inc. do last quarter? What was its Total Revenue and Cost of Revenue?

A company's Total Revenue reveals how much money it generates before any expenses or deductions are made. As a result, this metric informs investors/stakeholders how much money the business makes. Tracking and understanding it is essential for evaluating a company's growth. As opposed to revenue, Cost of Revenue is any expenses a business incur to generate revenue. There can be high revenue in a business, but if the costs are high, it won't make a profit and will go out of business when money runs out. Therefore, REFI generated $14.46M in revenue last quarter, while its costs came in at $989.60M.

Last quarter, how much Gross Profit did Chicago Atlantic Real Estate Finance, Inc. report?

A business's Gross Profit is a key indicator of its profitability and financial performance. In other words, it reflects how efficiently a business uses labor, raw materials, and other resources. Chicago Atlantic Real Estate Finance, Inc. reported a -$975.14M Gross Profit for the quarter ended Sep 30, 2024.

Have REFI's Total Operating Expenses and Operating Income been favorable recently?

Operational Expenses represent the costs a company must incur to generate revenue, which is the ultimate goal of a business, whereas Operating Income shows the revenue left after operational direct and indirect costs have been deducted. REFI incurred $1.72B worth of Operating Expenses, while it generated -$2.71B worth of Operating Income.

How much Net Income has REFI posted recently?

The Net Income of a company is one of the factors investors consider when investing in the company. According to recent earnings report from Chicago Atlantic Real Estate Finance, Inc., the company generated $11.21M in Net Income. When a company has a history of consistent net income, investors are more likely to invest in it since they know they will get a return.

At the end of the last quarter, how much Cash and Equivalents did Chicago Atlantic Real Estate Finance, Inc. have?

The amount of Cash and Cash Equivalents is an effective indicator of the financial strength and well-being of a company. An excess cash situation occurs when a company has more cash and cash equivalents than it needs for operating activities. The amount of Cash and Cash Equivalents available to Chicago Atlantic Real Estate Finance, Inc. as of the end of the last quarter was $6.76M.

What are REFI's Total Net Receivables for the last quarter?

Total Net Receivables are a company's outstanding debts to its customers. Therefore, it refers to the amount that a company expects to collect from its customers. The higher a company's net receivables are, the more confident it is that it can collect money from its debtors. As of the end of the last quarter, REFI had Total Net Receivables of $1.10B.

In terms of Total Assets and Current Assets, where did Chicago Atlantic Real Estate Finance, Inc. stand at?

An asset with an economic value within a year is considered a current asset. Total assets, however, also include long-term fixed assets, intangible assets, and other non-current assets. The current Assets of REFI were $7.86B, while the Total Assets stand at $365.91M.

As of the last quarter, how much Total Debt did Chicago Atlantic Real Estate Finance, Inc. have?

The total debt of a business refers to how much it borrows. A company's current and long-term liabilities are added together to calculate its Total Debt. A debt ratio may be taken into account on a balance sheet by financial lenders, investors, and business leaders when making informed decisions about future loans or investments. The total amount of REFI's debt was $54.00M at the end of the last quarter.

What were REFI's Total Liabilities during the last reported quarter?

A company's total liabilities are the sum of all debts it is liable for, including any off-balance shee liabilities it may incur. This can be calculated by adding up all short-term and long-term liabilities. In its last quarter, REFI reported total liabilities of $70.45M.

How much did REFI's Working Capital change over the last quarter?

Working Capital Change for REFI was -$205.86K over the last quarter. Working Capital Change refers to the difference between net working capital amounts at the end of one accounting period and the end of another. It tells investors/stakeholders how much the company's cash flow will differ from its Net Income (i.e., after-tax profits). More powerful companies often have positive Change in Working Capital numbers as they have increased control over collecting cash from customers and delaying payments to suppliers.

REFI generated how much cash from operating activities?

An operating cash flow statement usually contains cash from operating activities in the first section. An organization's cash from operating activities refers to the money it takes in and takes out as a result of its regular business operations. REFI generated $21.32B of Cash from Operating Activities during its recently reported quarter.

What was REFI's latest reported Net Change in Cash?

An increase or decrease in cash and cash equivalent balances within a specified period is considered the net change in cash in a cash flow statement. Furthermore, it takes into account cash changes as a result of investments, financing, and operating activities. REFI reported a $6.75B Net Change in Cash in the most recent quarter.

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