READY CAPITAL CORP (RC) Fundamental Analysis & Valuation

NYSE:RC • US75574U1016

1.82 USD
-0.05 (-2.67%)
At close: Mar 12, 2026
1.82 USD
0 (0%)
After Hours: 3/12/2026, 6:40:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

Taking everything into account, RC scores 3 out of 10 in our fundamental rating. RC was compared to 68 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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

1

1. RC Profitability Analysis

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.
  • 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: 83.82% of the companies in the same industry are doing better.
  • RC's Return On Equity of -18.38% is on the low side compared to the rest of the industry. RC is outperformed by 83.82% 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 70.59% of its industry peers.
  • In the last couple of years the Gross Margin of RC has declined.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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 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.
  • The Altman-Z score of RC (-0.08) is comparable to the rest of the 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.
  • Looking at the Debt to FCF ratio, with a value of 12.72, RC belongs to the top of the industry, outperforming 97.06% of the companies in the same industry.
  • A Debt/Equity ratio of 3.49 is on the high side and indicates that RC has dependencies on debt financing.
  • RC has a Debt to Equity ratio of 3.49. This is in the better half of the industry: RC outperforms 70.59% of its industry peers.
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

  • A Current Ratio of 1.03 indicates that RC should not have too much problems paying its short term obligations.
  • RC's Current ratio of 1.03 is fine compared to the rest of the industry. RC outperforms 79.41% of its industry peers.
  • RC has a Quick 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.
  • RC has a Quick ratio of 1.03. This is in the better half of the industry: RC outperforms 79.41% 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

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 -452.94%.
  • RC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.62% yearly.
  • The Revenue has decreased by -8.20% in the past year.
  • The Revenue has been growing by 20.46% on average over the past years. This is a very strong growth!
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

  • RC is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -47.12% yearly.
  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

  • 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

  • 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 0.6
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%

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

4

5. RC Dividend Analysis

5.1 Amount

  • RC has a Yearly Dividend Yield of 10.36%, which is a nice return.
  • In the last 3 months the price of RC has falen by -23.85%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • RC's Dividend Yield is slightly below the industry average, which is at 11.52.
  • RC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 10.36%

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-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

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RC Fundamentals: All Metrics, Ratios and Statistics

READY CAPITAL CORP

NYSE:RC (3/12/2026, 6:40:00 PM)

After market: 1.82 0 (0%)

1.82

-0.05 (-2.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06
Earnings (Next)03-26
Inst Owners62.67%
Inst Owner Change11.43%
Ins Owners9.93%
Ins Owner Change0%
Market Cap295.08M
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts47.5
Price Target3.33 (82.97%)
Short Float %17.42%
Short Ratio6.52
Dividend
Industry RankSector Rank
Dividend Yield 10.36%
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)0%
PT rev (3m)-11.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-66.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-60.82%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.38
P/FCF 0.6
P/OCF 0.6
P/B 0.17
P/tB 0.17
EV/EBITDA N/A
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.53
Fwd EYN/A
FCF(TTM)3.02
FCFY165.97%
OCF(TTM)3.03
OCFY166.33%
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 4 / 10 and the dividend payout ratio is -41.28%.