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Chicago Atlantic Real Estate FinanceREFI +1.01%46 5-Year Yield-on-Cost % is 18.80 as of Aug. 04, 2026, which is 53% above its 10-year median of 12.27. GuruFocus rates REFI with a GF Score™ of 46/100 and a GF Value™ of $13.73 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 860 REITs companies, Chicago Atlantic Real Estate Finance ranks better than 92.21% on this metric.
Chicago Atlantic Real Estate Finance (NAS:REFI) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Chicago Atlantic Real Estate Finance 5-Year Yield-on-Cost % Related Terms
REFI vs ACRE, RC, MITT: 5-Year Yield-on-Cost % Comparison
For the REIT - Mortgage subindustry, Chicago Atlantic Real Estate Finance's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Chicago Atlantic Real Estate Finance 5-Year Yield-on-Cost % vs REITs Industry
For the REITs industry and Real Estate sector, Chicago Atlantic Real Estate Finance's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Chicago Atlantic Real Estate Finance's 5-Year Yield-on-Cost % falls into.
Chicago Atlantic Real Estate Finance 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Chicago Atlantic Real Estate Finance (REFI) has a 5-Year Yield-on-Cost % of 18.80 as of Aug. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Chicago Atlantic Real Estate Finance and its competitors. This is 53% above median its historical median of 12.27. Over the past decade, Chicago Atlantic Real Estate Finance's 5-Year Yield-on-Cost % has ranged from 3.63 to 19.26. According to the industry distribution chart, Chicago Atlantic Real Estate Finance ranks #67 out of 860 companies in the REITs industry, placing it in the top 7.8%.
Is Chicago Atlantic Real Estate Finance's 5-Year Yield-on-Cost % too high?
Chicago Atlantic Real Estate Finance's current 5-Year Yield-on-Cost % of 18.80 is 53% above median its 10-year median of 12.27. Over the past 10 years, this metric has ranged from a low of 3.63 to a high of 19.26. The REITs industry median 5-Year Yield-on-Cost % is 7.36. Chicago Atlantic Real Estate Finance's value of 18.80 is 155.6% above this industry median. Based on the distribution chart, Chicago Atlantic Real Estate Finance ranks #67 out of 860 companies in the REITs industry, which is in the top quartile — a strong position relative to peers. Overall, Chicago Atlantic Real Estate Finance has a GF Score™ of 46/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Chicago Atlantic Real Estate Finance's 5-Year Yield-on-Cost % compare to ACRE and RC?
According to the REITs industry distribution chart, Chicago Atlantic Real Estate Finance ranks #67 out of 860 companies for 5-Year Yield-on-Cost %. This places Chicago Atlantic Real Estate Finance in the top 8% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 7.36. Chicago Atlantic Real Estate Finance's value of 18.80 is 155.6% above this benchmark. Historically, Chicago Atlantic Real Estate Finance's own 5-Year Yield-on-Cost % has ranged from 3.63 to 19.26 over the past decade. While the company's 10-year median is 12.27 vs. the industry median of 7.36, Chicago Atlantic Real Estate Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a REITs company?
The median 5-Year Yield-on-Cost % among REITs companies is 7.36, based on 860 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chicago Atlantic Real Estate Finance's current 5-Year Yield-on-Cost % of 18.80 is 155.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Chicago Atlantic Real Estate Finance and its competitors. For the REITs industry, the median 5-Year Yield-on-Cost % is 7.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chicago Atlantic Real Estate Finance's current 5-Year Yield-on-Cost % is 18.80, which is 53% above median its own 10-year median of 12.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chicago Atlantic Real Estate Finance stock overvalued right now?
Based on GuruFocus' analysis, Chicago Atlantic Real Estate Finance (REFI) is currently considered Modestly Undervalued. The stock's GF Value™ is $13.73, compared to a current price of $10.00 — trading 27.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 18.80, which is 53% above median its 10-year median of 12.27 and 155.6% above the REITs industry median of 7.36. Chicago Atlantic Real Estate Finance's overall GF Score™ is 46/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Chicago Atlantic Real Estate Finance (REFI), the current 5-Year Yield-on-Cost % is 18.80 as of Aug. 04, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Chicago Atlantic Real Estate Finance (REFI) Overvalued in 2026?
Based on GuruFocus' analysis, Chicago Atlantic Real Estate Finance stock appears to be undervalued.
The current stock price of $10.00 is trading 27.2% below its estimated GF Value™ of $13.73.
GuruFocus considers Chicago Atlantic Real Estate Finance to be Modestly Undervalued.
Key valuation signals for REFI:
5-Year Yield-on-Cost %: 18.80 (53% above median its 10-year median of 12.27)
GF Value™: $13.73 vs. price of $10.00 (27.2% below fair value)
Industry Position: 155.6% above the REITs median (#67 of 860)
No single metric tells the full story. See the REFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Chicago Atlantic Real Estate Finance Inc is engaged in a commercial real estate finance company. The Company operates as one operating segment, and its primary investment objective is to provide attractive, risk-adjusted returns for stockholders over time, mainly through consistent current income (dividends and distributions) and secondarily, through capital appreciation. The company operates mainly within the USA itself.
46GF Score
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