Chicago Atlantic Real Estate Finance Inc (REFI)vsStarwood Property Trust Inc (STWD)
REFI
Chicago Atlantic Real Estate Finance Inc
$10.02
-6.36%
REAL ESTATE · Cap: $272.87M
STWD
Starwood Property Trust Inc
$13.50
-5.99%
REAL ESTATE · Cap: $5.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Starwood Property Trust Inc generates 1123% more annual revenue ($597.28M vs $48.84M). REFI leads profitability with a 60.2% profit margin vs 38.2%. REFI trades at a lower P/E of 7.8x. STWD earns a higher WallStSmart Score of 49/100 (D+).
REFI
Hold46
out of 100
Grade: D+
STWD
Hold49
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for REFI.
Margin of Safety
+84.7%
Fair Value
$118.26
Current Price
$13.50
$104.76 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 60 of every $100 in revenue as profit
Strong operational efficiency at 62.7%
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 7.5%
Earnings declined 17.1%
Expensive relative to growth rate
Moderate valuation
ROE of 5.3% — below average capital efficiency
Weak financial health signals
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 60.2% and operating margin at 62.7%.
Bull Case : STWD
The strongest argument for STWD centers on Price/Book, Profit Margin. Profitability is solid with margins at 38.2% and operating margin at -5.9%. Revenue growth of 13.4% 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, P/E Ratio, Return on Equity. Debt-to-equity of 3.65 is elevated, increasing financial risk.
Key Dynamics to Monitor
REFI profiles as a declining stock while STWD is a mature 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 13.4% — sustainability is the question.
REFI generates stronger free cash flow (9M), providing more financial flexibility.
Bottom Line
STWD scores higher overall (49/100 vs 46/100), backed by strong 38.2% margins and 13.4% revenue growth. Both earn "Hold" 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.
Compare with Other REIT - MORTGAGE Stocks
Want to dig deeper into these stocks?