REFI Statistics

Total Valuation

REFI has a market cap or net worth of $303.82 million. The enterprise value is $381.09 million.

Market Cap	303.82M
Enterprise Value	381.09M

Important Dates

The next estimated earnings date is Wednesday, August 6, 2025, before market open.

Earnings Date	Aug 6, 2025
Ex-Dividend Date	Jun 30, 2025

Share Statistics

REFI has 20.97 million shares outstanding. The number of shares has increased by 10.03% in one year.

Current Share Class	20.97M
Shares Outstanding	20.97M
Shares Change (YoY)	+10.03%
Shares Change (QoQ)	+4.98%
Owned by Insiders (%)	14.04%
Owned by Institutions (%)	31.89%
Float	17.98M

Valuation Ratios

The trailing PE ratio is 7.58 and the forward PE ratio is 7.64.

PE Ratio	7.58
Forward PE	7.64
PS Ratio	5.00
Forward PS	4.65
PB Ratio	0.96
P/TBV Ratio	0.98
P/FCF Ratio	n/a
P/OCF Ratio	12.73
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	9.94
EV / Sales	6.71
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 27.45, with a Debt / Equity ratio of 0.28.

Current Ratio	27.45
Quick Ratio	27.45
Debt / Equity	0.28
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.86%.

Return on Equity (ROE)	12.86%
Return on Assets (ROA)	9.61%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.14
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -8.29% in the last 52 weeks. The beta is 0.32, so REFI's price volatility has been lower than the market average.

Beta (5Y)	0.32
52-Week Price Change	-8.29%
50-Day Moving Average	14.45
200-Day Moving Average	15.28
Relative Strength Index (RSI)	54.21
Average Volume (20 Days)	103,352

Short Selling Information

The latest short interest is 336,988, so 1.61% of the outstanding shares have been sold short.

Short Interest	336,988
Short Previous Month	292,300
Short % of Shares Out	1.61%
Short % of Float	1.87%
Short Ratio (days to cover)	4.37

Income Statement

In the last 12 months, REFI had revenue of $56.79 million and earned $38.36 million in profits. Earnings per share was $1.88.

Revenue	56.79M
Gross Profit	56.79M
Operating Income	38.52M
Pretax Income	37.29M
Net Income	38.36M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.88

Full Income Statement

Balance Sheet

The company has $9.88 million in cash and $87.16 million in debt, giving a net cash position of -$77.28 million or -$3.69 per share.

Cash & Cash Equivalents	9.88M
Total Debt	87.16M
Net Cash	-77.28M
Net Cash Per Share	-$3.69
Equity (Book Value)	310.78M
Book Value Per Share	14.87
Working Capital	399.31M

Full Balance Sheet

Cash Flow

Operating Cash Flow	23.87M
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 67.83% and 67.54%.

Gross Margin	100.00%
Operating Margin	67.83%
Pretax Margin	67.54%
Profit Margin	67.54%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.88, which amounts to a dividend yield of 13.27%.

Dividend Per Share	$1.88
Dividend Yield	13.27%
Dividend Growth (YoY)	-5.07%
Years of Dividend Growth	n/a
Payout Ratio	109.57%
Buyback Yield	-10.03%
Shareholder Yield	3.03%
Earnings Yield	12.62%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for REFI is $20.00, which is 38.03% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$20.00
Price Target Difference	38.03%
Analyst Consensus	Strong Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4