Head to Head Contrast: Chicago Atlantic Real Estate Finance (NASDAQ:REFI) vs. Cyrela Brazil Realty S.A. Empreendimentos e Participações (OTCMKTS:CYRBY)

Cyrela Brazil Realty S.A. Empreendimentos e Participações (OTCMKTS:CYRBY) and Chicago Atlantic Real Estate Finance (NASDAQ:REFI) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their profitability, institutional ownership, valuation, earnings, dividends, analyst recommendations and risk.

Analyst Ratings

This is a summary of current ratings for Cyrela Brazil Realty S.A. Empreendimentos e Participações and Chicago Atlantic Real Estate Finance, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Cyrela Brazil Realty S.A. Empreendimentos e Participações	0	0	0	0	N/A
Chicago Atlantic Real Estate Finance	0	2	1	1	2.75

Chicago Atlantic Real Estate Finance has a consensus price target of $17.33, indicating a potential upside of 15.32%. Given Chicago Atlantic Real Estate Finance’s higher possible upside, analysts clearly believe Chicago Atlantic Real Estate Finance is more favorable than Cyrela Brazil Realty S.A. Empreendimentos e Participações.

Profitability

This table compares Cyrela Brazil Realty S.A. Empreendimentos e Participações and Chicago Atlantic Real Estate Finance’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Cyrela Brazil Realty S.A. Empreendimentos e Participações	N/A	N/A	N/A
Chicago Atlantic Real Estate Finance	62.74%	13.84%	10.74%

Earnings and Valuation

This table compares Cyrela Brazil Realty S.A. Empreendimentos e Participações and Chicago Atlantic Real Estate Finance’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cyrela Brazil Realty S.A. Empreendimentos e Participações	$888.00 million	1.43	$169.36 million	N/A	N/A
Chicago Atlantic Real Estate Finance	$57.15 million	5.02	$38.71 million	$1.99	7.55

Cyrela Brazil Realty S.A. Empreendimentos e Participações has higher revenue and earnings than Chicago Atlantic Real Estate Finance.

Dividends

Cyrela Brazil Realty S.A. Empreendimentos e Participações pays an annual dividend of $0.14 per share and has a dividend yield of 4.2%. Chicago Atlantic Real Estate Finance pays an annual dividend of $1.88 per share and has a dividend yield of 12.5%. Chicago Atlantic Real Estate Finance pays out 94.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Volatility & Risk

Cyrela Brazil Realty S.A. Empreendimentos e Participações has a beta of 1.27, suggesting that its share price is 27% more volatile than the S&P 500. Comparatively, Chicago Atlantic Real Estate Finance has a beta of 0.2, suggesting that its share price is 80% less volatile than the S&P 500.

Insider and Institutional Ownership

25.5% of Chicago Atlantic Real Estate Finance shares are held by institutional investors. 12.3% of Chicago Atlantic Real Estate Finance shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

Chicago Atlantic Real Estate Finance beats Cyrela Brazil Realty S.A. Empreendimentos e Participações on 10 of the 14 factors compared between the two stocks.

About Cyrela Brazil Realty S.A. Empreendimentos e Participações

Cyrela Brazil Realty S.A. Empreendimentos e Participações develops, constructs, and sells residential properties in Brazil. It is also involved in the provision of construction management and technical consultancy services related to real estate. The company was founded in 1962 and is headquartered in São Paulo, Brazil.

About Chicago Atlantic Real Estate Finance

Chicago Atlantic Real Estate Finance, Inc. operates as a commercial real estate finance company in the United States. The company engages in originating, structuring, and investing in first mortgage loans and alternative structured financings secured by commercial real estate properties. Its portfolio primarily includes offers senior loans to state-licensed operators in the cannabis industry. The company has elected to be taxed as a real estate investment trust (REIT) and would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. Chicago Atlantic Real Estate Finance, Inc. was incorporated in 2021 and is headquartered in Chicago, Illinois.