Chicago Atlantic Real Estate Finance Inc (REFI)vsStarwood Property Trust Inc (STWD)
REFI
Chicago Atlantic Real Estate Finance Inc
$12.05
+0.33%
REAL ESTATE · Cap: $260.13M
STWD
Starwood Property Trust Inc
$17.48
+0.63%
REAL ESTATE · Cap: $6.61B
Smart Verdict
WallStSmart Research — data-driven comparison
Starwood Property Trust Inc generates 902% more annual revenue ($547.93M vs $54.66M). STWD leads profitability with a 75.1% profit margin vs 65.9%. REFI trades at a lower P/E of 7.3x. STWD earns a higher WallStSmart Score of 67/100 (B-).
REFI
Buy51
out of 100
Grade: C-
STWD
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-4.2%
Fair Value
$11.42
Current Price
$12.05
$0.63 premium
Margin of Safety
+66.4%
Fair Value
$53.82
Current Price
$17.48
$36.34 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 66 of every $100 in revenue as profit
Strong operational efficiency at 57.7%
Reasonable price relative to book value
Keeps 75 of every $100 in revenue as profit
Revenue surging 62.6% year-over-year
Earnings expanding 78.0% YoY
Attractively priced relative to earnings
Areas to Watch
2.7% revenue growth
Smaller company, higher risk/reward
Earnings declined 3.3%
ROE of 6.0% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : REFI
The strongest argument for REFI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 65.9% and operating margin at 57.7%.
Bull Case : STWD
The strongest argument for STWD centers on Price/Book, Profit Margin, Revenue Growth. Profitability is solid with margins at 75.1% and operating margin at 11.2%. Revenue growth of 62.6% demonstrates continued momentum.
Bear Case : REFI
The primary concerns for REFI are Revenue Growth, Market Cap, EPS Growth.
Bear Case : STWD
The primary concerns for STWD are Return on Equity, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
REFI profiles as a value stock while STWD is a growth play — different risk/reward profiles.
STWD carries more volatility with a beta of 1.11 — expect wider price swings.
STWD is growing revenue faster at 62.6% — sustainability is the question.
STWD generates stronger free cash flow (190M), providing more financial flexibility.
Bottom Line
STWD scores higher overall (67/100 vs 51/100), backed by strong 75.1% margins and 62.6% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Chicago Atlantic Real Estate Finance Inc
REAL ESTATE · REIT - MORTGAGE · USA
Chicago Atlantic Real Estate Finance Inc. is a specialized Real Estate Investment Trust (REIT) focused on providing secured financing solutions primarily to the cannabis industry. By capitalizing on the growth of this rapidly expanding sector, the company strategically positions itself to enhance shareholder returns through a diversified portfolio. With a commitment to robust risk management and a seasoned management team equipped with deep industry insights, Chicago Atlantic aims to navigate the complexities of evolving regulatory landscapes while delivering attractive risk-adjusted returns to investors.
Starwood Property Trust Inc
REAL ESTATE · REIT - MORTGAGE · USA
Starwood Property Trust, Inc. is a real estate investment trust (REIT) in the United States and Europe. The company is headquartered in Greenwich, Connecticut.
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