NASDAQ$REFI

Chicago Atlantic Real Estate Finance Inc · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Announced third quarter 2023 financial results.

Chicago Atlantic reported its Q3 2023 results, showing growth in sequential gross originations by $35 million and an improved weighted average yield to maturity of 19.3%. The company's loan portfolio demonstrates diligent underwriting with a focus on strong operators in limited license states. Credit quality remains paramount with real estate collateral coverage of 1.5x.

  • Underwrite new opportunities with a two-fold purpose – to provide investors with an attractive yield and protection of principal.
  • The underlying performance of the loan portfolio during the quarter continues to demonstrate diligent underwriting.
  • Sequential gross originations growth of $35 million.
  • Weighted average yield to maturity improved to 19.3%.

Headline financials

Total Revenue

$13.7M

Previous: $12.9M+6.2%
EPS (adj)

$0.57

Previous: $0.58-1.7%
Capital Expenditures

$0.00

No prior period
Free Cash Flow

$9.98M

Previous: $9.77M+2.1%
Net Income

$9.98M

Previous: $9.77M+2.1%
Operating Income

-$7.26M

Previous: $6M-220.9%
Gross Profit

$9.79M

Previous: $9.2M+6.4%
Cash & Equivalents

$8.7M

Previous: $9.33M-6.7%
Total Assets

$352M

Previous: $340M+3.5%
Stock-Based Comp

$540K

Previous: $84.9K+536.6%

Revenue & EPS history

Chicago Atlantic · Revenue · Quarterly

$13.7M

Q3 2023+6.2%vs Q3 2022
Beat estimate in 7 of 15 quarters(47%)
ActualEstimate

Forward guidance

Chicago Atlantic affirmed its 2023 outlook previously issued on March 9, 2023.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q3 2023

Historical avgQ3 2023

-0.1%

Avg return

Earnings day

+0.3%

Avg return

5 days after

-0.5%

Avg return

30 days after

32%

6 / 19 earnings

Positive

+11.1%

Q3 2022

Best reaction

-5.6%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-5.1%-7.2%-8.0%
Q4 2025-0.3%+2.7%-5.3%
Q3 2025-2.3%+0.4%-1.1%
Q1 2025+0.4%+2.8%-1.6%
Q4 2024-3.5%-2.2%-15.1%
Q3 2024+1.5%+0.4%+2.8%
Q2 2024-1.4%-2.5%+1.4%
Q1 2024-2.4%-1.4%-1.9%
Q4 2023-1.1%-1.0%-4.4%
Q3 2023+0.5%+0.3%+4.0%
Q2 2023-1.7%-3.4%-1.2%
Q1 2023+3.8%+1.3%+8.4%
Q4 2022-5.6%-8.5%-3.6%
Q3 2021+11.1%+11.5%+13.4%
Q3 2022+11.1%+11.5%+13.4%
Q2 2022-2.8%+0.5%-5.2%
Q1 2022+0.0%-1.6%+4.0%
Q2 2021-3.4%-1.8%-12.2%
Q4 2021-0.2%+3.3%+2.9%

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