WallStSmart

Public Storage (PSA)vsChicago Atlantic Real Estate Finance Inc (REFI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Public Storage generates 9754% more annual revenue ($4.91B vs $49.83M). REFI leads profitability with a 61.8% profit margin vs 41.6%. REFI trades at a lower P/E of 7.1x. PSA earns a higher WallStSmart Score of 62/100 (C+).

PSA

Buy

62

out of 100

Grade: C+

Growth: 6.0Profit: 8.5Value: 3.3Quality: 3.5
Piotroski: 3/9Altman Z: 1.00

REFI

Hold

48

out of 100

Grade: D+

Growth: 3.3Profit: 8.0Value: 6.7Quality: 4.8
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PSAOvervalued (-8.4%)

Margin of Safety

-8.4%

Fair Value

$271.16

Current Price

$328.40

$57.24 premium

UndervaluedFair: $271.16Overvalued

Intrinsic value data unavailable for REFI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PSA5 strengths · Avg: 9.2/10
Profit MarginProfitability
41.6%10/10

Keeps 42 of every $100 in revenue as profit

Operating MarginProfitability
45.7%10/10

Strong operational efficiency at 45.7%

Market CapQuality
$60.97B9/10

Large-cap with strong market position

Return on EquityProfitability
20.6%9/10

Every $100 of equity generates 21 in profit

EPS GrowthGrowth
45.1%8/10

Earnings expanding 45.1% YoY

REFI4 strengths · Avg: 10.0/10
P/E RatioValuation
7.1x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Profit MarginProfitability
61.8%10/10

Keeps 62 of every $100 in revenue as profit

Operating MarginProfitability
54.3%10/10

Strong operational efficiency at 54.3%

Areas to Watch

PSA4 concerns · Avg: 3.8/10
P/E RatioValuation
31.1x4/10

Premium valuation, high expectations priced in

Price/BookValuation
11.9x4/10

Trading at 11.9x book value

Revenue GrowthGrowth
3.3%4/10

3.3% revenue growth

Debt/EquityHealth
1.053/10

Elevated debt levels

REFI4 concerns · Avg: 2.5/10
Market CapQuality
$216.77M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-34.2%2/10

Revenue declined 34.2%

EPS GrowthGrowth
-51.1%2/10

Earnings declined 51.1%

Comparative Analysis Report

WallStSmart Research

Bull Case : PSA

The strongest argument for PSA centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 41.6% and operating margin at 45.7%.

Bull Case : REFI

The strongest argument for REFI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 61.8% and operating margin at 54.3%.

Bear Case : PSA

The primary concerns for PSA are P/E Ratio, Price/Book, Revenue Growth.

Bear Case : REFI

The primary concerns for REFI are Market Cap, Piotroski F-Score, Revenue Growth.

Key Dynamics to Monitor

PSA profiles as a value stock while REFI is a declining play — different risk/reward profiles.

PSA carries more volatility with a beta of 0.94 — expect wider price swings.

PSA is growing revenue faster at 3.3% — sustainability is the question.

PSA generates stronger free cash flow (625M), providing more financial flexibility.

Bottom Line

PSA scores higher overall (62/100 vs 48/100), backed by strong 41.6% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Public Storage

REAL ESTATE · REIT - INDUSTRIAL · USA

Public Storage is an American international self storage company headquartered in Glendale, California, that is run as a real estate investment trust (REIT).

Visit Website →

Chicago Atlantic Real Estate Finance Inc

REAL ESTATE · REIT - MORTGAGE · USA

Chicago Atlantic Real Estate Finance Inc. is a focused Real Estate Investment Trust (REIT) dedicated to delivering innovative financing to the burgeoning cannabis sector. By employing a strategic portfolio management approach and leveraging extensive industry expertise, the company aims to seize lucrative growth opportunities in this specialized market. Chicago Atlantic emphasizes rigorous risk management and regulatory compliance, allowing it to provide attractive risk-adjusted returns while maximizing shareholder value. With a robust leadership team at the helm, the firm is well-positioned to navigate the complexities of this evolving landscape and ensure sustained success for its investors.

Want to dig deeper into these stocks?