REFI vs SCM

Comparison between Chicago Atlantic Real Estate Finance Inc (REFI, Company) and Stellus Capital Investment Corp (SCM, Company).

REFI is from the Real Estate sector, while SCM is from the Financial Services sector.

5-Year PerformanceREFI has outperformed SCM, delivering a return of +5.0% compared to +2.5%

REFI vs SCM - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	REFI(COMPANY)	SCM(COMPANY)
Market Cap	$241M	$242M
Max Drawdown	45.62%	69.75%
Sharpe Ratio	-0.31	-1.43
5Y Beta	0.42	0.57
Industry	Reit - Mortgage	Asset Management
P/E Ratio	7.83	10.11
Forward P/E	7.26	8.29
Dividend Yield	16.90%	17.50%
5Y Dividends CAGR	N/A	5.90%
Debt to Equity	16.28%	0.00%
Free Cash Flow Yield	10.08%	14.60%

Market Cap

REFI

$241M

Winner

SCM

$242M

Max Drawdown

Winner

REFI

45.62%

SCM

69.75%

Sharpe Ratio

Winner

REFI

-0.31

SCM

-1.43

5Y Beta

Winner

REFI

0.42

SCM

0.57

Industry

REFI

Reit - Mortgage

SCM

Asset Management

P/E Ratio

Winner

REFI

7.83

SCM

10.11

Forward P/E

Winner

REFI

7.26

SCM

8.29

Dividend Yield

REFI

16.90%

Winner

SCM

17.50%

5Y Dividends CAGR

REFI

N/A

SCM

5.90%

Debt to Equity

REFI

16.28%

Winner

SCM

0.00%

Free Cash Flow Yield

REFI

10.08%

Winner

SCM

14.60%

REFI vs SCM - Historical Returns

Returns include dividend reinvestment.

Period	REFI	SCM
1 month	+2.05%	-7.59%
3 months	-3.67%	-9.42%
6 months	-5.98%	-29.59%
1 year	-6.88%	-31.08%
5 years(CAGR)	+5.02%	+2.54%
10 years(CAGR)	N/A	+9.28%
Max(CAGR)	+5.02%	+6.49%

Winner

REFI

+2.05%

SCM

-7.59%

Winner

REFI

-3.67%

SCM

-9.42%

Winner

REFI

-5.98%

SCM

-29.59%

Winner

REFI

-6.88%

SCM

-31.08%

5Y(CAGR)

Winner

REFI

+5.02%

SCM

+2.54%

10Y(CAGR)

REFI

N/A

SCM

+9.28%

Max(CAGR)

REFI

+5.02%

Winner

SCM

+6.49%

REFI vs SCM - Annual Returns (2012 - 2026)

Returns include dividend reinvestment.

Year	REFI	SCM
2026	-2.73%	-31.08%
2025	-9.46%	+2.76%
2024	+9.91%	+20.16%
2023	+24.48%	+8.48%
2022	+1.58%	+7.98%
2021	+0.97%	+31.47%
2020	N/A	-13.84%
2019	N/A	+18.09%
2018	N/A	+10.78%
2017	N/A	+19.98%
2016	N/A	+40.49%
2015	N/A	-7.88%
2014	N/A	-11.22%
2013	N/A	-2.23%
2012	N/A	+9.89%

REFI vs SCM Drawdown Comparison

The maximum drawdown for REFI was -26.51%, occurring on Mar 15, 2023. Recovery took 454 trading sessions.

The maximum drawdown for SCM was -66.03%, occurring on Mar 18, 2020. Recovery took 285 trading sessions.

The current REFI drawdown is -15.68%. The current SCM drawdown is -38.61%.

Rank	REFI	SCM
#1	-26.51% Feb 28, 2022 - Dec 18, 2023	-66.03% Feb 20, 2020 - Apr 8, 2021
#2	-19.25% Mar 3, 2025 - Mar 27, 2026	-38.61% Sep 8, 2025 - Jun 18, 2026
#3	-9.51% Jul 17, 2024 - Nov 21, 2024	-36.86% Nov 14, 2014 - Sep 21, 2016
#4	-7.26% Dec 27, 2023 - Jul 15, 2024	-23.86% Mar 3, 2025 - Jul 11, 2025
#5	-6.30% Jan 20, 2022 - Feb 28, 2022	-20.50% Nov 9, 2021 - Aug 15, 2022
#6	-3.12% Jan 21, 2025 - Feb 10, 2025	-17.71% Oct 27, 2017 - Jun 15, 2018
#7	-2.99% Feb 18, 2025 - Feb 25, 2025	-16.91% Aug 8, 2023 - Apr 22, 2024
#8	-2.97% Dec 8, 2021 - Dec 31, 2021	-13.74% Aug 15, 2022 - Nov 7, 2022
#9	-2.82% Jan 3, 2025 - Jan 17, 2025	-13.27% Jan 2, 2013 - Mar 21, 2014
#10	-2.78% Dec 5, 2024 - Jan 3, 2025	-13.05% Feb 24, 2023 - Jul 26, 2023
#11	-2.38% Dec 19, 2023 - Dec 26, 2023	-12.75% Dec 11, 2018 - Jan 7, 2019
#12	-1.23% Dec 2, 2024 - Dec 5, 2024	-12.45% Jul 30, 2019 - Nov 25, 2019
#13	-0.88% Feb 11, 2025 - Feb 14, 2025	-12.40% Jul 1, 2014 - Nov 10, 2014
#14	-0.39% Jan 11, 2022 - Jan 13, 2022	-11.27% Sep 21, 2018 - Nov 29, 2018
#15	-0.31% Nov 25, 2024 - Nov 29, 2024	-11.14% Mar 21, 2014 - Jun 27, 2014

Correlation

Correlation between REFI and SCM is 0.76 which considered as a strong positive correlation - the stocks tend to move together.

0.76

-101

Dividend Comparison (2012 - 2026)

REFI vs SCM dividend yield comparison.

Year	REFI	SCM
2026	4.10%	6.78%
2025	15.33%	12.62%
2024	13.36%	11.63%
2023	13.41%	12.45%
2022	13.93%	8.14%
2021	0.00%	8.29%
2020	0.00%	10.57%
2019	0.00%	9.55%
2018	0.00%	10.50%
2017	0.00%	10.35%
2016	0.00%	11.27%
2015	0.00%	14.10%
2014	0.00%	12.07%
2013	0.00%	9.10%
2012	0.00%	1.11%