REFI Statistics
Total Valuation
REFI has a market cap or net worth of $278.76 million. The enterprise value is $405.91 million.
| Market Cap | 278.76M |
| Enterprise Value | 405.91M |
Important Dates
The last earnings date was Tuesday, August 11, 2026, before market open.
| Earnings Date | Aug 11, 2026 |
| Ex-Dividend Date | Jun 30, 2026 |
Share Statistics
REFI has 25.62 million shares outstanding. The number of shares has increased by 3.73% in one year.
| Current Share Class | 25.62M |
| Shares Outstanding | 25.62M |
| Shares Change (YoY) | +3.73% |
| Shares Change (QoQ) | +1.07% |
| Owned by Insiders (%) | 11.35% |
| Owned by Institutions (%) | 27.28% |
| Float | 22.67M |
Valuation Ratios
The trailing PE ratio is 8.00 and the forward PE ratio is 6.57.
| PE Ratio | 8.00 |
| Forward PE | 6.57 |
| PS Ratio | 5.71 |
| Forward PS | 4.82 |
| PB Ratio | 0.77 |
| P/TBV Ratio | 0.92 |
| P/FCF Ratio | 10.35 |
| P/OCF Ratio | 10.35 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 13.80 |
| EV / Sales | 8.31 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 15.08 |
Financial Position
The company has a current ratio of 26.61, with a Debt / Equity ratio of 0.47.
| Current Ratio | 26.61 |
| Quick Ratio | 26.61 |
| Debt / Equity | 0.47 |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.22 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.61%.
| Return on Equity (ROE) | 9.61% |
| Return on Assets (ROA) | 6.41% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.99% |
| Revenue Per Employee | n/a |
| Profits Per Employee | n/a |
| Employee Count | n/a |
| Asset Turnover | 0.11 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | n/a |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -23.60% 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 | -23.60% |
| 50-Day Moving Average | 10.51 |
| 200-Day Moving Average | 11.69 |
| Relative Strength Index (RSI) | 63.67 |
| Average Volume (20 Days) | 170,431 |
Short Selling Information
The latest short interest is 1.19 million, so 4.65% of the outstanding shares have been sold short.
| Short Interest | 1.19M |
| Short Previous Month | 1.15M |
| Short % of Shares Out | 4.65% |
| Short % of Float | 5.26% |
| Short Ratio (days to cover) | 7.07 |
Income Statement
In the last 12 months, REFI had revenue of $48.84 million and earned $29.41 million in profits. Earnings per share was $1.36.
| Revenue | 48.84M |
| Gross Profit | 48.84M |
| Operating Income | 29.84M |
| Pretax Income | 29.41M |
| Net Income | 29.41M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.36 |
Balance Sheet
The company has $13.35 million in cash and $140.50 million in debt, with a net cash position of -$127.15 million or -$4.96 per share.
| Cash & Cash Equivalents | 13.35M |
| Total Debt | 140.50M |
| Net Cash | -127.15M |
| Net Cash Per Share | -$4.96 |
| Equity (Book Value) | 301.65M |
| Book Value Per Share | 14.15 |
| Working Capital | 444.16M |
Cash Flow
| Operating Cash Flow | 26.92M |
| Capital Expenditures | n/a |
| Depreciation & Amortization | n/a |
| Net Borrowing | 19.85M |
| Free Cash Flow | 26.92M |
| FCF Per Share | $1.05 |
Margins
Gross margin is 100.00%, with operating and profit margins of 61.09% and 60.21%.
| Gross Margin | 100.00% |
| Operating Margin | 61.09% |
| Pretax Margin | 60.21% |
| Profit Margin | 60.21% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 55.13% |
Dividends & Yields
This stock pays an annual dividend of $1.88, which amounts to a dividend yield of 17.28%.
| Dividend Per Share | $1.88 |
| Dividend Yield | 17.28% |
| Dividend Growth (YoY) | -8.74% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 138.27% |
| Buyback Yield | -3.73% |
| Shareholder Yield | 13.55% |
| Earnings Yield | 10.55% |
| FCF Yield | 9.66% |
Analyst Forecast
The average price target for REFI is $15.13, which is 39.06% higher than the current price. The consensus rating is "Buy".
| Price Target | $15.13 |
| Price Target Difference | 39.06% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | 5.72% |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| 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 |