WallStSmart

Chicago Atlantic Real Estate Finance Inc (REFI)vsStarwood Property Trust Inc (STWD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Starwood Property Trust Inc generates 1066% more annual revenue ($580.84M vs $49.83M). REFI leads profitability with a 61.8% profit margin vs 60.5%. REFI trades at a lower P/E of 7.1x. STWD earns a higher WallStSmart Score of 59/100 (C).

REFI

Hold

48

out of 100

Grade: D+

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

STWD

Buy

59

out of 100

Grade: C

Growth: 5.3Profit: 6.5Value: 7.3Quality: 2.5
Piotroski: 2/9Altman Z: 0.03
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for REFI.

STWDUndervalued (+84.5%)

Margin of Safety

+84.5%

Fair Value

$116.56

Current Price

$16.45

$100.11 discount

UndervaluedFair: $116.56Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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%

STWD4 strengths · Avg: 9.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
60.5%10/10

Keeps 61 of every $100 in revenue as profit

P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
21.8%8/10

Revenue surging 21.8% year-over-year

Areas to Watch

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%

STWD4 concerns · Avg: 3.0/10
PEG RatioValuation
1.744/10

Expensive relative to growth rate

Return on EquityProfitability
5.3%3/10

ROE of 5.3% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-60.4%2/10

Earnings declined 60.4%

Comparative Analysis Report

WallStSmart Research

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%.

Bull Case : STWD

The strongest argument for STWD centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 60.5% and operating margin at 17.4%. Revenue growth of 21.8% demonstrates continued momentum.

Bear Case : REFI

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

Bear Case : STWD

The primary concerns for STWD are PEG Ratio, Return on Equity, Piotroski F-Score. Debt-to-equity of 3.47 is elevated, increasing financial risk.

Key Dynamics to Monitor

REFI profiles as a declining stock while STWD is a growth play — different risk/reward profiles.

STWD carries more volatility with a beta of 1.03 — expect wider price swings.

STWD is growing revenue faster at 21.8% — sustainability is the question.

REFI generates stronger free cash flow (3M), providing more financial flexibility.

Bottom Line

STWD scores higher overall (59/100 vs 48/100), backed by strong 60.5% margins and 21.8% revenue growth. 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.

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.

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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