Beacon Financial Statistics
Total Valuation
REFI has a market cap or net worth of $267.45 million. The enterprise value is $340.20 million.
Important Dates
The last earnings date was Tuesday, November 4, 2025, before market open.
| Earnings Date | Nov 4, 2025 |
| Ex-Dividend Date | Sep 30, 2025 |
Share Statistics
REFI has 21.08 million shares outstanding. The number of shares has increased by 9.51% in one year.
| Current Share Class | 21.08M |
| Shares Outstanding | 21.08M |
| Shares Change (YoY) | +9.51% |
| Shares Change (QoQ) | -0.01% |
| Owned by Insiders (%) | 14.22% |
| Owned by Institutions (%) | 31.48% |
| Float | 18.04M |
Valuation Ratios
The trailing PE ratio is 7.49 and the forward PE ratio is 7.31.
| PE Ratio | 7.49 |
| Forward PE | 7.31 |
| PS Ratio | 4.84 |
| Forward PS | 4.16 |
| PB Ratio | 0.86 |
| P/TBV Ratio | 0.86 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | 11.10 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 9.51 |
| EV / Sales | 6.27 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 34.47, with a Debt / Equity ratio of 0.33.
| Current Ratio | 34.47 |
| Quick Ratio | 34.47 |
| Debt / Equity | 0.33 |
| Debt / EBITDA | n/a |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.82%.
| Return on Equity (ROE) | 11.82% |
| Return on Assets (ROA) | 9.02% |
| 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 -18.29% in the last 52 weeks. The beta is 0.27, so REFI's price volatility has been lower than the market average.
| Beta (5Y) | 0.27 |
| 52-Week Price Change | -18.29% |
| 50-Day Moving Average | 13.00 |
| 200-Day Moving Average | 14.17 |
| Relative Strength Index (RSI) | 43.91 |
| Average Volume (20 Days) | 93,433 |
Short Selling Information
The latest short interest is 643,592, so 3.05% of the outstanding shares have been sold short.
| Short Interest | 643,592 |
| Short Previous Month | 612,412 |
| Short % of Shares Out | 3.05% |
| Short % of Float | 3.57% |
| Short Ratio (days to cover) | 4.50 |
Income Statement
In the last 12 months, REFI had revenue of $54.29 million and earned $35.77 million in profits. Earnings per share was $1.69.
| Revenue | 54.29M |
| Gross Profit | 54.29M |
| Operating Income | 35.77M |
| Pretax Income | 35.77M |
| Net Income | 35.77M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.69 |
Full Income StatementBalance Sheet
The company has $28.92 million in cash and $101.67 million in debt, giving a net cash position of -$72.75 million or -$3.45 per share.
| Cash & Cash Equivalents | 28.92M |
| Total Debt | 101.67M |
| Net Cash | -72.75M |
| Net Cash Per Share | -$3.45 |
| Equity (Book Value) | 309.91M |
| Book Value Per Share | 14.71 |
| Working Capital | 414.42M |
Full Balance SheetCash Flow
| Operating Cash Flow | 24.10M |
| Capital Expenditures | n/a |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Full Cash Flow StatementMargins
Gross margin is 100.00%, with operating and profit margins of 65.89% and 65.89%.
| Gross Margin | 100.00% |
| Operating Margin | 65.89% |
| Pretax Margin | 65.89% |
| Profit Margin | 65.89% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of $2.06, which amounts to a dividend yield of 16.23%.
| Dividend Per Share | $2.06 |
| Dividend Yield | 16.23% |
| Dividend Growth (YoY) | -5.07% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 121.57% |
| Buyback Yield | -9.51% |
| Shareholder Yield | 6.72% |
| Earnings Yield | 13.38% |
| FCF Yield | n/a |
Dividend DetailsAnalyst Forecast
The average price target for REFI is $20.00, which is 57.60% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $20.00 |
| Price Target Difference | 57.60% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | $8.47 |
| Lynch Upside | -33.23% |
| Graham Number | $23.68 |
| Graham Upside | 86.59% |
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 |
