READY CAPITAL CORP (RC) Stock Fundamental Analysis

NYSE:RC • US75574U1016

1.715 USD
-0.11 (-6.28%)
Last: Feb 12, 2026, 12:26 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, RC scores 3 out of 10 in our fundamental rating. RC was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While RC seems to be doing ok healthwise, there are quite some concerns on its profitability. RC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year RC has reported negative net income.
  • RC had a positive operating cash flow in the past year.
  • RC had positive earnings in 4 of the past 5 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 0 200M -200M -400M

1.2 Ratios

  • With a Return On Assets value of -3.93%, RC is not doing good in the industry: 84.29% of the companies in the same industry are doing better.
  • RC has a worse Return On Equity (-18.38%) than 85.71% of its industry peers.
Industry RankSector Rank
ROA -3.93%
ROE -18.38%
ROIC N/A
ROA(3y)-0.12%
ROA(5y)0.39%
ROE(3y)-0.69%
ROE(5y)2.85%
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 0 10 -10 -20

1.3 Margins

  • RC's Gross Margin of 17.50% is on the low side compared to the rest of the industry. RC is outperformed by 72.86% of its industry peers.
  • RC's Gross Margin has declined in the last couple of years.
  • The Profit Margin and Operating Margin are not available for RC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 17.5%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-50.56%
GM growth 5Y-31.49%
RC Yearly Profit, Operating, Gross MarginsRC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • RC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • RC has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for RC has been increased compared to 5 years ago.
  • RC has a worse debt/assets ratio than last year.
RC Yearly Shares OutstandingRC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B 10B

2.2 Solvency

  • RC has an Altman-Z score of -0.08. 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 -0.08, RC perfoms like the industry average, outperforming 51.43% of the companies in the same industry.
  • RC has a debt to FCF ratio of 12.72. This is a negative value and a sign of low solvency as RC would need 12.72 years to pay back of all of its debts.
  • The Debt to FCF ratio of RC (12.72) is better than 95.71% of its industry peers.
  • RC has a Debt/Equity ratio of 3.49. This is a high value indicating a heavy dependency on external financing.
  • With a decent Debt to Equity ratio value of 3.49, RC is doing good in the industry, outperforming 70.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.49
Debt/FCF 12.72
Altman-Z -0.08
ROIC/WACCN/A
WACC6.46%
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 0 2B 4B 6B 8B

2.3 Liquidity

  • RC has a Current Ratio of 1.03. This is a normal value and indicates that RC is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.03, RC is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
  • A Quick Ratio of 1.03 indicates that RC should not have too much problems paying its short term obligations.
  • RC's Quick ratio of 1.03 is fine compared to the rest of the industry. RC outperforms 80.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
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 200M 400M 600M 800M 1B

More info and screens

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

3

3. Growth

3.1 Past

  • RC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -452.94%.
  • Measured over the past years, RC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.62% on average per year.
  • Looking at the last year, RC shows a decrease in Revenue. The Revenue has decreased by -8.20% in the last year.
  • Measured over the past years, RC shows a very strong growth in Revenue. The Revenue has been growing by 20.46% on average per year.
EPS 1Y (TTM)-452.94%
EPS 3Y-71.84%
EPS 5Y-49.62%
EPS Q2Q%-235.71%
Revenue 1Y (TTM)-8.2%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%

3.2 Future

  • The Earnings Per Share is expected to decrease by -47.12% on average over the next years. This is quite bad
  • Based on estimates for the next years, RC will show a very negative growth in Revenue. The Revenue will decrease by -19.66% on average per year.
EPS Next Y-2151.76%
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%
EPS Next 5YN/A
Revenue Next Year-72.17%
Revenue Next 2Y-44.33%
Revenue Next 3Y-19.66%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • The Revenue growth rate is decreasing: in the next years the growth will be less 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

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • RC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for RC. No positive earnings are expected for the next year.
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 10 20 30 40

4.2 Price Multiples

  • RC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RC is 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 10

4.3 Compensation for Growth

  • A cheap valuation may be justified as RC's earnings are expected to decrease with -47.12% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%

More info and screens

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

2

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.03%, RC has a reasonable but not impressive dividend return.
  • The stock price of RC dropped by -30.94% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 12.51, RC's dividend is way lower than its industry peers. On top of this 97.14% of the companies listed in the same industry pay a better dividend than RC!
  • Compared to an average S&P500 Dividend Yield of 1.80, RC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.03%

5.2 History

  • The dividend of RC decreases each year by -4.21%.
  • RC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-4.21%
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.
  • RC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-41.28%
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%
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 0 200M -200M -400M

More info and screens

Find the best dividend stocksShow peers with best dividend

READY CAPITAL CORP

NYSE:RC (2/12/2026, 12:26:56 PM)

1.715

-0.11 (-6.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06
Earnings (Next)03-02
Inst Owners62.67%
Inst Owner Change-2.63%
Ins Owners9.93%
Ins Owner Change0%
Market Cap278.05M
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts47.5
Price Target3.33 (94.17%)
Short Float %16.52%
Short Ratio5.72
Dividend
Industry RankSector Rank
Dividend Yield 2.03%
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-41.28%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-868.96%
Min EPS beat(2)-1051.17%
Max EPS beat(2)-686.74%
EPS beat(4)0
Avg EPS beat(4)-506.63%
Min EPS beat(4)-1051.17%
Max EPS beat(4)-114.25%
EPS beat(8)1
Avg EPS beat(8)-291.42%
EPS beat(12)1
Avg EPS beat(12)-199.76%
EPS beat(16)2
Avg EPS beat(16)-149.18%
Revenue beat(2)0
Avg Revenue beat(2)-72.44%
Min Revenue beat(2)-79.8%
Max Revenue beat(2)-65.08%
Revenue beat(4)0
Avg Revenue beat(4)-58.08%
Min Revenue beat(4)-79.8%
Max Revenue beat(4)-13.55%
Revenue beat(8)0
Avg Revenue beat(8)-42.22%
Revenue beat(12)1
Avg Revenue beat(12)-21.31%
Revenue beat(16)5
Avg Revenue beat(16)14.46%
PT rev (1m)-11.53%
PT rev (3m)-25.43%
EPS NQ rev (1m)-6.96%
EPS NQ rev (3m)-1094.42%
EPS NY rev (1m)-8.85%
EPS NY rev (3m)-243.45%
Revenue NQ rev (1m)-66.01%
Revenue NQ rev (3m)-74.03%
Revenue NY rev (1m)-60.82%
Revenue NY rev (3m)-47.15%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.36
P/FCF 0.57
P/OCF 0.57
P/B 0.16
P/tB 0.16
EV/EBITDA N/A
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.53
Fwd EYN/A
FCF(TTM)3.02
FCFY176.13%
OCF(TTM)3.03
OCFY176.52%
SpS4.75
BVpS11
TBVpS10.45
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -3.93%
ROE -18.38%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 17.5%
FCFM 63.57%
ROA(3y)-0.12%
ROA(5y)0.39%
ROE(3y)-0.69%
ROE(5y)2.85%
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-50.56%
GM growth 5Y-31.49%
F-Score6
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 3.49
Debt/FCF 12.72
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z -0.08
F-Score6
WACC6.46%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.94%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-452.94%
EPS 3Y-71.84%
EPS 5Y-49.62%
EPS Q2Q%-235.71%
EPS Next Y-2151.76%
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.2%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
Revenue Next Year-72.17%
Revenue Next 2Y-44.33%
Revenue Next 3Y-19.66%
Revenue Next 5YN/A
EBIT growth 1Y-97.58%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y72.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y64.87%
OCF growth 3YN/A
OCF growth 5YN/A

READY CAPITAL CORP / RC 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.


What is the profitability of RC stock?

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


How sustainable is the dividend of READY CAPITAL CORP (RC) stock?

The dividend rating of READY CAPITAL CORP (RC) is 2 / 10 and the dividend payout ratio is -41.28%.