READY CAPITAL CORP (RC) Fundamental Analysis & Valuation

NYSE:RC • US75574U1016

Current stock price

1.62 USD
+0.02 (+1.25%)
At close:
1.62 USD
0 (0%)
After Hours:

This RC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. RC Profitability Analysis

1.1 Basic Checks

  • RC had negative earnings in the past year.
  • RC had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: RC reported negative net income in multiple years.
  • RC had a positive operating cash flow in 4 of the past 5 years.
RC Yearly Net Income VS EBIT VS OCF VS FCFRC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M

1.2 Ratios

  • RC's Return On Assets of -3.16% is on the low side compared to the rest of the industry. RC is outperformed by 89.71% of its industry peers.
  • RC's Return On Equity of -15.82% is on the low side compared to the rest of the industry. RC is outperformed by 91.18% of its industry peers.
Industry RankSector Rank
ROA -3.16%
ROE -15.82%
ROIC N/A
ROA(3y)-1.68%
ROA(5y)-0.41%
ROE(3y)-9.23%
ROE(5y)-1.38%
ROIC(3y)N/A
ROIC(5y)N/A
RC Yearly ROA, ROE, ROICRC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • Looking at the Gross Margin, with a value of 7.91%, RC is doing worse than 88.24% of the companies in the same industry.
  • RC's Gross Margin has declined in the last couple of years.
  • RC does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 7.91%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-42.25%
GM growth 5Y-28.9%
RC Yearly Profit, Operating, Gross MarginsRC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

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3

2. RC Health Analysis

2.1 Basic Checks

  • RC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • RC has about the same amout of shares outstanding than it did 1 year ago.
  • RC has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for RC has remained at the same level compared to a year ago.
RC Yearly Shares OutstandingRC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
RC Yearly Total Debt VS Total AssetsRC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • RC has an Altman-Z score of -0.60. This is a bad value and indicates that RC is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of -0.60, RC is not doing good in the industry: 69.12% of the companies in the same industry are doing better.
  • RC has a debt to FCF ratio of 12.88. This is a negative value and a sign of low solvency as RC would need 12.88 years to pay back of all of its debts.
  • The Debt to FCF ratio of RC (12.88) is better than 97.06% of its industry peers.
  • A Debt/Equity ratio of 3.28 is on the high side and indicates that RC has dependencies on debt financing.
  • The Debt to Equity ratio of RC (3.28) is better than 73.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.28
Debt/FCF 12.88
Altman-Z -0.6
ROIC/WACCN/A
WACC6.05%
RC Yearly LT Debt VS Equity VS FCFRC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B

2.3 Liquidity

  • RC has a Current Ratio of 0.09. This is a bad value and indicates that RC is not financially healthy enough and could expect problems in meeting its short term obligations.
  • RC has a Current ratio (0.09) which is comparable to the rest of the industry.
  • A Quick Ratio of 0.09 indicates that RC may have some problems paying its short term obligations.
  • RC has a Quick ratio of 0.09. This is comparable to the rest of the industry: RC outperforms 47.06% of its industry peers.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
RC Yearly Current Assets VS Current LiabilitesRC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. RC Growth Analysis

3.1 Past

  • RC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -3300.00%.
  • The Revenue for RC has decreased by -22.43% in the past year. This is quite bad
  • RC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.92% yearly.
EPS 1Y (TTM)-3300%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1333.33%
Revenue 1Y (TTM)-22.43%
Revenue growth 3Y-5.06%
Revenue growth 5Y2.92%
Sales Q2Q%-73.78%

3.2 Future

  • RC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 34.98% yearly.
  • Based on estimates for the next years, RC will show a very strong growth in Revenue. The Revenue will grow by 36.50% on average per year.
EPS Next Y57.19%
EPS Next 2Y34.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.33%
Revenue Next 2Y36.5%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
RC Yearly Revenue VS EstimatesRC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
RC Yearly EPS VS EstimatesRC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2

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2

4. RC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for RC. In the last year negative earnings were reported.
  • Also next year RC is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
RC Price Earnings VS Forward Price EarningsRC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60 80

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RC is valued cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.57
EV/EBITDA N/A
RC Per share dataRC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • A more expensive valuation may be justified as RC's earnings are expected to grow with 34.98% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y34.98%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. RC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.50%, RC has a reasonable but not impressive dividend return.
  • In the last 3 months the price of RC has falen by -24.30%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • With a Dividend Yield of 2.50, RC pays less dividend than the industry average, which is at 13.43. 97.06% of the companies listed in the same industry pay a better dividend than RC!
  • Compared to an average S&P500 Dividend Yield of 1.89, RC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.5%

5.2 History

  • The dividend of RC decreases each year by -8.49%.
  • RC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-8.49%
Div Incr Years0
Div Non Decr Years0
RC Yearly Dividends per shareRC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • The earnings of RC are negative and hence is the payout ratio. RC will probably not be able to sustain this dividend level.
DP-46.14%
EPS Next 2Y34.98%
EPS Next 3YN/A
RC Yearly Income VS Free CF VS DividendRC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M

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RC Fundamentals: All Metrics, Ratios and Statistics

READY CAPITAL CORP

NYSE:RC (3/31/2026, 8:04:00 PM)

After market: 1.62 0 (0%)

1.62

+0.02 (+1.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners62.37%
Inst Owner Change11.45%
Ins Owners9.88%
Ins Owner Change3.23%
Market Cap263.87M
Revenue(TTM)638.33M
Net Income(TTM)-245.58M
Analysts47.5
Price Target2.16 (33.33%)
Short Float %15.75%
Short Ratio8.6
Dividend
Industry RankSector Rank
Dividend Yield 2.5%
Yearly Dividend0.7
Dividend Growth(5Y)-8.49%
DP-46.14%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-439.01%
Min EPS beat(2)-686.74%
Max EPS beat(2)-191.27%
EPS beat(4)0
Avg EPS beat(4)-525.89%
Min EPS beat(4)-1051.17%
Max EPS beat(4)-174.36%
EPS beat(8)1
Avg EPS beat(8)-312.73%
EPS beat(12)1
Avg EPS beat(12)-215.36%
EPS beat(16)1
Avg EPS beat(16)-162.83%
Revenue beat(2)0
Avg Revenue beat(2)-43.24%
Min Revenue beat(2)-79.8%
Max Revenue beat(2)-6.67%
Revenue beat(4)0
Avg Revenue beat(4)-56.36%
Min Revenue beat(4)-79.8%
Max Revenue beat(4)-6.67%
Revenue beat(8)0
Avg Revenue beat(8)-40.22%
Revenue beat(12)0
Avg Revenue beat(12)-37.01%
Revenue beat(16)4
Avg Revenue beat(16)4.42%
PT rev (1m)0%
PT rev (3m)-11.53%
EPS NQ rev (1m)-25.37%
EPS NQ rev (3m)-26%
EPS NY rev (1m)-29.76%
EPS NY rev (3m)-40.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-66.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-67.19%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.41
P/FCF 0.57
P/OCF 0.57
P/B 0.17
P/tB 0.18
EV/EBITDA N/A
EPS(TTM)-1.6
EYN/A
EPS(NY)-0.68
Fwd EYN/A
FCF(TTM)2.82
FCFY174.16%
OCF(TTM)2.84
OCFY175.05%
SpS3.92
BVpS9.53
TBVpS8.99
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -3.16%
ROE -15.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 7.91%
FCFM 71.99%
ROA(3y)-1.68%
ROA(5y)-0.41%
ROE(3y)-9.23%
ROE(5y)-1.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-42.25%
GM growth 5Y-28.9%
F-Score7
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 3.28
Debt/FCF 12.88
Debt/EBITDA N/A
Cap/Depr 84.14%
Cap/Sales 0.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z -0.6
F-Score7
WACC6.05%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.58%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3300%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1333.33%
EPS Next Y57.19%
EPS Next 2Y34.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-22.43%
Revenue growth 3Y-5.06%
Revenue growth 5Y2.92%
Sales Q2Q%-73.78%
Revenue Next Year11.33%
Revenue Next 2Y36.5%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y42.84%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y74.32%
FCF growth 3Y9.7%
FCF growth 5Y46.29%
OCF growth 1Y74.28%
OCF growth 3Y8.75%
OCF growth 5Y46.31%

READY CAPITAL CORP / RC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of READY CAPITAL CORP (RC) stock?

ChartMill assigns a fundamental rating of 3 / 10 to RC.


What is the valuation status for RC stock?

ChartMill assigns a valuation rating of 2 / 10 to READY CAPITAL CORP (RC). This can be considered as Overvalued.


How profitable is READY CAPITAL CORP (RC) stock?

READY CAPITAL CORP (RC) has a profitability rating of 1 / 10.


How financially healthy is READY CAPITAL CORP?

The financial health rating of READY CAPITAL CORP (RC) is 3 / 10.


Is the dividend of READY CAPITAL CORP sustainable?

The dividend rating of READY CAPITAL CORP (RC) is 3 / 10 and the dividend payout ratio is -46.14%.