SCM vs REFI

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

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

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

SCM vs REFI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

SCM

$242M

REFI

$241M

Max Drawdown

SCM

69.75%

Winner

REFI

45.62%

Sharpe Ratio

SCM

-1.43

Winner

REFI

-0.31

5Y Beta

SCM

0.57

Winner

REFI

0.42

Industry

SCM

Asset Management

REFI

Reit - Mortgage

P/E Ratio

SCM

10.11

Winner

REFI

7.83

Forward P/E

SCM

8.29

Winner

REFI

7.26

Dividend Yield

Winner

SCM

17.50%

REFI

16.90%

5Y Dividends CAGR

SCM

5.90%

REFI

N/A

Debt to Equity

Winner

SCM

0.00%

REFI

16.28%

Free Cash Flow Yield

Winner

SCM

14.60%

REFI

10.08%

SCM vs REFI - Historical Returns

Returns include dividend reinvestment.

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

SCM

-7.59%

Winner

REFI

+2.05%

SCM

-9.42%

Winner

REFI

-3.67%

SCM

-29.59%

Winner

REFI

-5.98%

SCM

-31.08%

Winner

REFI

-6.88%

5Y(CAGR)

SCM

+2.54%

Winner

REFI

+5.02%

10Y(CAGR)

SCM

+9.28%

REFI

N/A

Max(CAGR)

Winner

SCM

+6.49%

REFI

+5.02%

SCM vs REFI - Annual Returns (2012 - 2026)

Returns include dividend reinvestment.

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

SCM vs REFI Drawdown Comparison

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

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

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

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

Correlation

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

0.76

-101

Dividend Comparison (2012 - 2026)

SCM vs REFI dividend yield comparison.

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