REFI Statistics
Total Valuation
REFI has a market cap or net worth of $264.84 million. The enterprise value is $354.44 million.
| Market Cap | 264.84M |
| Enterprise Value | 354.44M |
Important Dates
The next confirmed earnings date is Tuesday, August 11, 2026, before market open.
| Earnings Date | Aug 11, 2026 |
| Ex-Dividend Date | Jun 30, 2026 |
Share Statistics
REFI has 25.51 million shares outstanding. The number of shares has increased by 5.48% in one year.
| Current Share Class | 25.51M |
| Shares Outstanding | 25.51M |
| Shares Change (YoY) | +5.48% |
| Shares Change (QoQ) | -0.01% |
| Owned by Insiders (%) | 12.53% |
| Owned by Institutions (%) | 25.19% |
| Float | 22.28M |
Valuation Ratios
The trailing PE ratio is 7.21 and the forward PE ratio is 5.73.
| PE Ratio | 7.21 |
| Forward PE | 5.73 |
| PS Ratio | 5.34 |
| Forward PS | 4.71 |
| PB Ratio | 0.72 |
| P/TBV Ratio | 0.88 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | 10.93 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 11.50 |
| EV / Sales | 7.11 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 30.37, with a Debt / Equity ratio of 0.38.
| Current Ratio | 30.37 |
| Quick Ratio | 30.37 |
| Debt / Equity | 0.38 |
| Debt / EBITDA | n/a |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.03%.
| Return on Equity (ROE) | 10.03% |
| Return on Assets (ROA) | 7.24% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.15% |
| Revenue Per Employee | n/a |
| Profits Per Employee | n/a |
| Employee Count | n/a |
| Asset Turnover | 0.12 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | n/a |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -22.01% in the last 52 weeks. The beta is 0.31, so REFI's price volatility has been lower than the market average.
| Beta (5Y) | 0.31 |
| 52-Week Price Change | -22.01% |
| 50-Day Moving Average | 11.11 |
| 200-Day Moving Average | 12.05 |
| Relative Strength Index (RSI) | 35.97 |
| Average Volume (20 Days) | 190,281 |
Short Selling Information
The latest short interest is 1.25 million, so 4.88% of the outstanding shares have been sold short.
| Short Interest | 1.25M |
| Short Previous Month | 972,372 |
| Short % of Shares Out | 4.88% |
| Short % of Float | 5.59% |
| Short Ratio (days to cover) | 6.84 |
Income Statement
In the last 12 months, REFI had revenue of $49.83 million and earned $30.81 million in profits. Earnings per share was $1.44.
| Revenue | 49.83M |
| Gross Profit | 49.83M |
| Operating Income | 30.85M |
| Pretax Income | 30.81M |
| Net Income | 30.81M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.44 |
Balance Sheet
The company has $27.86 million in cash and $116.44 million in debt, with a net cash position of -$88.59 million or -$3.47 per share.
| Cash & Cash Equivalents | 27.86M |
| Total Debt | 116.44M |
| Net Cash | -88.59M |
| Net Cash Per Share | -$3.47 |
| Equity (Book Value) | 303.42M |
| Book Value Per Share | 14.39 |
| Working Capital | 421.38M |
Cash Flow
| Operating Cash Flow | 24.33M |
| Capital Expenditures | n/a |
| Depreciation & Amortization | n/a |
| Net Borrowing | 29.05M |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Margins
Gross margin is 100.00%, with operating and profit margins of 61.91% and 61.83%.
| Gross Margin | 100.00% |
| Operating Margin | 61.91% |
| Pretax Margin | 61.83% |
| Profit Margin | 61.83% |
| 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 18.11%.
| Dividend Per Share | $1.88 |
| Dividend Yield | 18.11% |
| Dividend Growth (YoY) | -8.74% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 130.51% |
| Buyback Yield | -5.48% |
| Shareholder Yield | 12.54% |
| Earnings Yield | 11.59% |
| FCF Yield | n/a |
Analyst Forecast
The average price target for REFI is $16.38, which is 57.80% higher than the current price. The consensus rating is "Buy".
| Price Target | $16.38 |
| Price Target Difference | 57.80% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | 5.06% |
| 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 |