READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) Stock Fundamental Analysis
NYSE:RCB - New York Stock Exchange, Inc. - US75574U4085 - Currency: USD
RCB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 65 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. RCB has a bad profitability rating. Also its financial health evaluation is rather negative. RCB is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year RCB was profitable.
RCB had a positive operating cash flow in the past year.
RCB had positive earnings in 4 of the past 5 years.
RCB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -4.47%, RCB is doing worse than 86.15% of the companies in the same industry.
RCB has a Return On Equity of -24.53%. This is amonst the worse of the industry: RCB underperforms 95.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -4.47% | ||
| ROE | -24.53% | ||
| 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
1.3 Margins
With a Gross Margin value of 5.42%, RCB is not doing good in the industry: 92.31% of the companies in the same industry are doing better.
In the last couple of years the Gross Margin of RCB has declined.
The Profit Margin and Operating Margin are not available for RCB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 5.42% |
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%
2. Health
2.1 Basic Checks
RCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
RCB has less shares outstanding than it did 1 year ago.
RCB has more shares outstanding than it did 5 years ago.
RCB has a worse debt/assets ratio than last year.
2.2 Solvency
RCB has an Altman-Z score of 0.05. This is a bad value and indicates that RCB is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of RCB (0.05) is better than 64.62% of its industry peers.
The Debt to FCF ratio of RCB is 29.34, which is on the high side as it means it would take RCB, 29.34 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 29.34, RCB is in the better half of the industry, outperforming 72.31% of the companies in the same industry.
A Debt/Equity ratio of 3.97 is on the high side and indicates that RCB has dependencies on debt financing.
RCB has a Debt to Equity ratio (3.97) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.97 | ||
| Debt/FCF | 29.34 | ||
| Altman-Z | 0.05 |
ROIC/WACCN/A
WACC7.18%
2.3 Liquidity
RCB has a Current Ratio of 0.18. This is a bad value and indicates that RCB is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.18, RCB perfoms like the industry average, outperforming 47.69% of the companies in the same industry.
RCB has a Quick Ratio of 0.18. This is a bad value and indicates that RCB is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of RCB (0.18) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
The earnings per share for RCB have decreased strongly by -95.80% in the last year.
The earnings per share for RCB have been decreasing by -49.62% on average. This is quite bad
The Revenue for RCB has decreased by -21.55% in the past year. This is quite bad
RCB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.46% yearly.
EPS 1Y (TTM)-95.8%
EPS 3Y-71.84%
EPS 5Y-49.62%
EPS Q2Q%-111.54%
Revenue 1Y (TTM)-21.55%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-4.73%
3.2 Future
The Earnings Per Share is expected to grow by 136.24% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 6.57% on average over the next years.
EPS Next Y1194.85%
EPS Next 2Y274.67%
EPS Next 3Y136.24%
EPS Next 5YN/A
Revenue Next Year7.37%
Revenue Next 2Y6.57%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
RCB is valuated quite expensively with a Price/Earnings ratio of 487.00.
69.23% of the companies in the same industry are cheaper than RCB, based on the Price/Earnings ratio.
RCB's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.29.
A Price/Forward Earnings ratio of 37.61 indicates a quite expensive valuation of RCB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RCB indicates a rather expensive valuation: RCB more expensive than 80.00% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.32. RCB is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 487 | ||
| Fwd PE | 37.61 |
4.2 Price Multiples
RCB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as RCB's earnings are expected to grow with 136.24% in the coming years.
PEG (NY)0.41
PEG (5Y)N/A
EPS Next 2Y274.67%
EPS Next 3Y136.24%
5. Dividend
5.1 Amount
RCB has a Yearly Dividend Yield of 11.39%, which is a nice return.
With a Dividend Yield of 11.39, RCB pays less dividend than the industry average, which is at 14.90. 84.62% of the companies listed in the same industry pay a better dividend than RCB!
RCB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.39% |
5.2 History
The dividend of RCB decreases each year by -4.21%.
RCB has been paying a dividend for over 5 years, so it has already some track record.
RCB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-4.21%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
The earnings of RCB are negative and hence is the payout ratio. RCB will probably not be able to sustain this dividend level.
DP-45.5%
EPS Next 2Y274.67%
EPS Next 3Y136.24%
READY CAPITAL CORP - RC 6.2 07/30/26
NYSE:RCB (4/21/2025, 11:07:19 AM)
After market: 24.65 +0.3 (+1.23%)24.35
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners62.47%
Inst Owner ChangeN/A
Ins Owners1.06%
Ins Owner ChangeN/A
Market Cap4.18B
Analysts48.24
Price Target26.93 (10.6%)
Short Float %0.01%
Short Ratio0.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.39% |
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-45.5%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-166.87%
Min EPS beat(2)-219.49%
Max EPS beat(2)-114.25%
EPS beat(4)1
Avg EPS beat(4)-99.57%
Min EPS beat(4)-219.49%
Max EPS beat(4)7.41%
EPS beat(8)1
Avg EPS beat(8)-60.1%
EPS beat(12)1
Avg EPS beat(12)-41.81%
EPS beat(16)4
Avg EPS beat(16)-26.95%
Revenue beat(2)0
Avg Revenue beat(2)-12.21%
Min Revenue beat(2)-13.55%
Max Revenue beat(2)-10.88%
Revenue beat(4)0
Avg Revenue beat(4)-24.08%
Min Revenue beat(4)-42.26%
Max Revenue beat(4)-10.88%
Revenue beat(8)0
Avg Revenue beat(8)-27.33%
Revenue beat(12)4
Avg Revenue beat(12)24.68%
Revenue beat(16)8
Avg Revenue beat(16)82.98%
PT rev (1m)-6.58%
PT rev (3m)-8.71%
EPS NQ rev (1m)-11.64%
EPS NQ rev (3m)-41.67%
EPS NY rev (1m)-30.16%
EPS NY rev (3m)-29.37%
Revenue NQ rev (1m)-2.96%
Revenue NQ rev (3m)-0.18%
Revenue NY rev (1m)-5.75%
Revenue NY rev (3m)-7.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 487 | ||
| Fwd PE | 37.61 | ||
| P/S | 5.08 | ||
| P/FCF | 15.87 | ||
| P/OCF | 15.79 | ||
| P/B | 2.27 | ||
| P/tB | 2.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.05
EY0.21%
EPS(NY)0.65
Fwd EY2.66%
FCF(TTM)1.53
FCFY6.3%
OCF(TTM)1.54
OCFY6.33%
SpS4.79
BVpS10.75
TBVpS10.24
PEG (NY)0.41
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -4.47% | ||
| ROE | -24.53% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 5.42% | ||
| FCFM | 32.04% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.97 | ||
| Debt/FCF | 29.34 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.17% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 | ||
| Altman-Z | 0.05 |
F-Score4
WACC7.18%
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)-95.8%
EPS 3Y-71.84%
EPS 5Y-49.62%
EPS Q2Q%-111.54%
EPS Next Y1194.85%
EPS Next 2Y274.67%
EPS Next 3Y136.24%
EPS Next 5YN/A
Revenue 1Y (TTM)-21.55%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-4.73%
Revenue Next Year7.37%
Revenue Next 2Y6.57%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-493.99%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y526.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y385.89%
OCF growth 3YN/A
OCF growth 5YN/A