Chicago Atlantic BDC, Inc. (LIEN) Financial Ratios
6 years of historical data (2020–2025) · Financial Services · Asset Management
EV/EBITDA
↓
7.41
↓-89% vs avg
5yr avg: 64.99
30Y Low2.7·High10.6
P/FCF
N/A
—
5yr avg: 9.12
30Y Low9.1·High9.1
P/B Ratio
↑
0.77
↑+50% vs avg
5yr avg: 0.52
30Y Low0.1·High0.8
ROE
↑
11.0%
↓+119% vs avg
5yr avg: 5.0%
30Y Low-1%·High11%
Debt/EBITDA
0.72
+0% vs avg
5yr avg: 0.72
30Y Low0.7·High0.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
LIEN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Chicago Atlantic BDC, Inc. trades at 7.0x earnings, 52% below its 5-year average of 14.7x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 48%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Market Cap | $234M | $236M | $126M | $52M | $54M | $12M | — |
| Enterprise Value | $256M | $258M | $102M | $20M | $19M | $-73096520 | — |
| P/E Ratio → | 7.01 | 7.08 | 13.11 | 7.15 | 31.61 | — | — |
| P/S Ratio | 4.30 | 4.34 | 7.02 | 5.23 | 13.44 | 1158.50 | — |
| P/B Ratio | 0.77 | 0.78 | 0.42 | 0.61 | 0.63 | 0.14 | — |
| P/FCF | — | — | — | 9.12 | — | — | — |
| P/OCF | — | — | — | 9.12 | — | — | — |
P/E links to full P/E history page with 30-year chart
LIEN EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Chicago Atlantic BDC, Inc.'s enterprise value stands at 7.4x EBITDA, 89% below its 5-year average of 65.0x. The Financial Services sector median is 11.4x, placing the stock at a 35% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.75 | 5.68 | 1.98 | 4.76 | -7256.68 | — |
| EV / EBITDA | 7.41 | 7.47 | 10.62 | 2.70 | 239.16 | — | — |
| EV / EBIT | 7.41 | 7.47 | 10.62 | 2.70 | 9.72 | — | — |
| EV / FCF | — | — | — | 3.45 | — | — | — |
LIEN Profitability
Margins and return-on-capital ratios measuring operating efficiency
Chicago Atlantic BDC, Inc. earns an operating margin of 63.6%, significantly above the Financial Services sector average of 20.3%. Operating margins have compressed from 73.2% to 63.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 11.0% is modest. ROIC of 8.2% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 77.3% | 77.3% | 100.0% | 100.0% | 100.0% | 100.0% | — |
| Operating Margin | 63.6% | 63.6% | 53.5% | 73.2% | 51.0% | -5592.8% | — |
| Net Profit Margin | 61.3% | 61.3% | 53.5% | 73.2% | 42.2% | -5592.8% | — |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| ROE | 11.0% | 11.0% | 5.0% | 8.5% | 2.0% | -1.3% | — |
| ROA | 10.2% | 10.2% | 4.8% | 8.4% | 2.0% | -1.3% | -346.9% |
| ROIC | 8.2% | 8.2% | 3.7% | 6.4% | 1.8% | -1.0% | — |
| ROCE | 10.8% | 10.8% | 4.9% | 8.5% | 2.4% | -1.3% | — |
LIEN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Chicago Atlantic BDC, Inc. carries a Debt/EBITDA ratio of 0.7x, which is very conservative (83% below the sector average of 4.3x). Net debt stands at $22M ($25M total debt minus $3M cash). Interest coverage of 27.6x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.08 | 0.08 | — | — | — | — | — |
| Debt / EBITDA | 0.72 | 0.72 | — | — | — | — | — |
| Net Debt / Equity | — | 0.07 | -0.08 | -0.38 | -0.41 | -1.00 | — |
| Net Debt / EBITDA | 0.64 | 0.64 | -2.49 | -4.44 | -435.98 | — | — |
| Debt / FCF | — | — | — | -5.67 | — | — | — |
| Interest Coverage | 27.63 | 27.63 | — | — | — | — | — |
LIEN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.22x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 11.45x to 0.22x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Current Ratio | 0.22 | 0.22 | 633.94 | 11.45 | 79.49 | — | — |
| Quick Ratio | 0.22 | 0.22 | 633.94 | 11.45 | 79.49 | — | — |
| Cash Ratio | 0.22 | 0.22 | 633.94 | 10.84 | 76.05 | — | — |
| Asset Turnover | — | 0.16 | 0.06 | 0.11 | 0.05 | 0.00 | — |
| Inventory Turnover | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — |
LIEN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Chicago Atlantic BDC, Inc. returns 10.0% to shareholders annually primarily through dividends. A payout ratio of 69.9% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 14.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Dividend Yield | 10.0% | — | — | — | — | — | — |
| Payout Ratio | 69.9% | 69.9% | 129.1% | 112.6% | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Earnings Yield | 14.3% | 14.1% | 7.6% | 14.0% | 3.2% | — | — |
| FCF Yield | — | — | — | 11.0% | — | — | — |
| Buyback Yield | 0.0% | — | — | — | — | — | — |
| Total Shareholder Yield | 10.0% | — | — | — | — | — | — |
| Shares Outstanding | — | $23M | $10M | $6M | $6M | $877409 | $877409 |
Peer Comparison
Compare LIEN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 LIENYou | $234M | 7.0 | 7.4 | — | 77.3% | 63.6% | 11.0% | 8.2% | 0.7 |
 REFI | $243M | 6.8 | 9.1 | 8.4 | 86.9% | 57.1% | 11.7% | 6.9% | 2.7 |
 TPVG | $203M | 4.1 | 8.6 | — | 83.5% | 77.9% | 14.1% | 7.2% | 6.2 |
 SUNS | $114M | 8.9 | 13.6 | — | 90.7% | 64.2% | 8.2% | 6.0% | 7.2 |
 CSWC | $1B | 12.1 | 12.9 | — | 94.3% | 76.9% | 11.9% | 7.1% | 5.8 |
 FDUS | $696M | 7.9 | 10.6 | — | 72.6% | 76.1% | 11.8% | 7.2% | 5.4 |
 HRZN | $186M | 4.0 | — | 3.3 | 18.0% | -4.0% | -0.8% | -0.2% | — |
 CCAP | $412M | 12.0 | 10.0 | 5.5 | 78.0% | 76.1% | 4.8% | 5.6% | 6.8 |
 IIPR | $2B | 15.2 | 10.3 | 9.7 | 88.7% | 46.7% | 6.0% | 4.3% | 2.0 |
 SLRC | $678M | 7.3 | 11.1 | — | 73.3% | 72.9% | 9.3% | 5.8% | 7.0 |
 PFLT | $742M | 10.4 | 35.5 | 7.8 | 45.6% | 39.4% | 6.8% | 2.1% | 26.3 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 6 years · Updated daily
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LIEN — Frequently Asked Questions
Quick answers to the most common questions about buying LIEN stock.
What is Chicago Atlantic BDC, Inc.'s P/E ratio?
Chicago Atlantic BDC, Inc.'s current P/E ratio is 7.0x. The historical average is 14.7x.
What is Chicago Atlantic BDC, Inc.'s EV/EBITDA?
Chicago Atlantic BDC, Inc.'s current EV/EBITDA is 7.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 6.9x.
What is Chicago Atlantic BDC, Inc.'s ROE?
Chicago Atlantic BDC, Inc.'s return on equity (ROE) is 11.0%. The historical average is 5.0%.
Is LIEN stock overvalued?
Based on historical data, Chicago Atlantic BDC, Inc. is trading at a P/E of 7.0x. Compare with industry peers and growth rates for a complete picture.
What is Chicago Atlantic BDC, Inc.'s dividend yield?
Chicago Atlantic BDC, Inc.'s current dividend yield is 9.96% with a payout ratio of 69.9%.
What are Chicago Atlantic BDC, Inc.'s profit margins?
Chicago Atlantic BDC, Inc. has 77.3% gross margin and 63.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Chicago Atlantic BDC, Inc. have?
Chicago Atlantic BDC, Inc.'s Debt/EBITDA ratio is 0.7x, indicating low leverage. A ratio below 2x is generally considered financially healthy.