NASDAQ$REFI
Chicago Atlantic Real Estate Finance Inc · Q4 2024 earnings
Q4 2024 earnings · · Before market open · Investor relations
Briefing
Chicago Atlantic reported stable loan funding activity and strong net income for Q4 2024.
Chicago Atlantic posted Q4 2024 revenue of $15.48 million, with net income reaching $7.92 million. EPS came in at $0.39 per diluted share. Loan fundings for the quarter totaled $90.7 million, with $52.6 million to new borrowers. The company also built a pipeline of potential fundings nearing $500 million and maintained a disciplined underwriting process.
- Total revenue reached $15.48 million in Q4 2024.
- Net income was $7.92 million, with an EPS of $0.39.
- Loan fundings totaled $90.7 million, including $52.6 million for new borrowers.
- Pipeline of potential fundings neared $500 million.
Headline financials
Revenue & EPS history
Chicago Atlantic · Revenue · Quarterly
$15.5M
Forward guidance
Chicago Atlantic expects continued loan growth and steady earnings in 2025, supported by a strong funding pipeline and disciplined underwriting.
Tailwinds
- Strong pipeline of potential loan fundings for 2025.
- Stable net interest income expected despite rate fluctuations.
- High-quality loan portfolio with strong credit underwriting.
- Increased focus on secured lending opportunities.
- Maintaining high liquidity to support growth initiatives.
Headwinds
- Potential impact from regulatory uncertainty in cannabis lending.
- Macroeconomic risks may affect borrower demand.
- Pressure from interest rate movements impacting loan yields.
- Higher credit loss provisions expected due to economic conditions.
- Increased competition in the alternative lending market.
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 Q4 2024
-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
| Quarter | Report date | Reaction (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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