READY CAPITAL CORP (RC) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:RC • US75574U1016

2.08 USD
-0.05 (-2.35%)
At close: Feb 2, 2026
2.1 USD
+0.02 (+0.96%)
After Hours: 2/2/2026, 8:04:00 PM
Fundamental Rating

3

Overall RC gets a fundamental rating of 3 out of 10. We evaluated RC against 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. The financial health of RC is average, but there are quite some concerns on its profitability. RC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year RC has reported negative net income.
  • In the past year RC had a positive cash flow from operations.
  • Of the past 5 years RC 4 years were profitable.
  • 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

  • Looking at the Return On Assets, with a value of -3.93%, RC is doing worse than 84.29% of the companies in the same industry.
  • RC's Return On Equity of -18.38% is on the low side compared to the rest of the industry. RC is outperformed by 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

  • Looking at the Gross Margin, with a value of 17.50%, RC is doing worse than 72.86% of the companies in the same industry.
  • 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

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4

2. Health

2.1 Basic Checks

  • RC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for RC has been reduced compared to 1 year ago.
  • RC has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for RC is higher compared to a year ago.
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 52.86% of the companies in the same industry.
  • The Debt to FCF ratio of RC is 12.72, which is on the high side as it means it would take RC, 12.72 years of fcf income to pay off all of its debts.
  • RC's Debt to FCF ratio of 12.72 is amongst the best of the industry. RC outperforms 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.
  • The Debt to Equity ratio of RC (3.49) is better than 70.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.49
Debt/FCF 12.72
Altman-Z -0.08
ROIC/WACCN/A
WACC6.51%
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

  • A Current Ratio of 1.03 indicates that RC should not have too much problems paying its short term obligations.
  • RC has a Current ratio of 1.03. This is in the better half of the industry: RC outperforms 80.00% of its industry peers.
  • 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

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3

3. Growth

3.1 Past

  • The earnings per share for RC have decreased strongly by -452.94% in the last year.
  • 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.
  • The Revenue has decreased by -8.20% in the past 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 -47.91% 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-255.09%
EPS Next 3Y-47.91%
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

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2

4. Valuation

4.1 Price/Earnings Ratio

  • RC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • 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 10 20 30 40

4.2 Price Multiples

  • 100.00% of the companies in the same industry are more expensive than RC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.69
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

  • RC's earnings are expected to decrease with -47.91% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-255.09%
EPS Next 3Y-47.91%

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2

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.81%, RC has a reasonable but not impressive dividend return.
  • The stock price of RC dropped by -29.25% 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.
  • With a Dividend Yield of 1.81, RC pays less dividend than the industry average, which is at 11.04. 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 1.83, RC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.81%

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

  • RC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The Dividend Rate of RC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP-41.28%
EPS Next 2Y-255.09%
EPS Next 3Y-47.91%
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

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READY CAPITAL CORP

NYSE:RC (2/2/2026, 8:04:00 PM)

After market: 2.1 +0.02 (+0.96%)

2.08

-0.05 (-2.35%)

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-1.56%
Ins Owners9.93%
Ins Owner Change0%
Market Cap337.23M
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts47.5
Price Target3.39 (62.98%)
Short Float %18.34%
Short Ratio6.11
Dividend
Industry RankSector Rank
Dividend Yield 1.81%
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)-9.83%
PT rev (3m)-25.28%
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 0.44
P/FCF 0.69
P/OCF 0.69
P/B 0.19
P/tB 0.2
EV/EBITDA N/A
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.53
Fwd EYN/A
FCF(TTM)3.02
FCFY145.22%
OCF(TTM)3.03
OCFY145.54%
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
WACC6.51%
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-255.09%
EPS Next 3Y-47.91%
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%.