READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RCC - US75574U6064
25.2 USD
+0.09 (+0.36%)
Overall RCC gets a fundamental rating of 3 out of 10. We evaluated RCC against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. RCC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. RCC has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
RCC had negative earnings in the past year.
In the past year RCC had a positive cash flow from operations.
Of the past 5 years RCC 4 years were profitable.
RCC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
RCC has a worse Return On Assets (-3.93%) than 88.24% of its industry peers.
RCC has a Return On Equity of -18.38%. This is amonst the worse of the industry: RCC underperforms 89.71% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
RCC has a Gross Margin of 17.50%. This is in the lower half of the industry: RCC underperforms 77.94% of its industry peers.
RCC's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for RCC so they could not be analyzed.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
RCC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RCC has less shares outstanding
The number of shares outstanding for RCC has been increased compared to 5 years ago.
Compared to 1 year ago, RCC has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.27, we must say that RCC is in the distress zone and has some risk of bankruptcy.
RCC's Altman-Z score of 0.27 is amongst the best of the industry. RCC outperforms 85.29% of its industry peers.
The Debt to FCF ratio of RCC is 12.72, which is on the high side as it means it would take RCC, 12.72 years of fcf income to pay off all of its debts.
RCC has a Debt to FCF ratio of 12.72. This is amongst the best in the industry. RCC outperforms 91.18% of its industry peers.
A Debt/Equity ratio of 3.49 is on the high side and indicates that RCC has dependencies on debt financing.
The Debt to Equity ratio of RCC (3.49) is better than 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.49 | ||
| Debt/FCF | 12.72 | ||
| Altman-Z | 0.27 |
ROIC/WACCN/A
WACC7.01%
2.3 Liquidity
RCC has a Current Ratio of 1.03. This is a normal value and indicates that RCC is financially healthy and should not expect problems in meeting its short term obligations.
RCC has a Current ratio of 1.03. This is in the better half of the industry: RCC outperforms 75.00% of its industry peers.
RCC has a Quick Ratio of 1.03. This is a normal value and indicates that RCC is financially healthy and should not expect problems in meeting its short term obligations.
RCC has a Quick ratio of 1.03. This is in the better half of the industry: RCC outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
The earnings per share for RCC have decreased strongly by -452.94% in the last year.
Measured over the past years, RCC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.62% on average per year.
RCC shows a decrease in Revenue. In the last year, the revenue decreased by -8.20%.
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
RCC is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -47.91% yearly.
RCC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.19% yearly.
EPS Next Y-1984.9%
EPS Next 2Y-242.79%
EPS Next 3Y-47.91%
EPS Next 5YN/A
Revenue Next Year-28.95%
Revenue Next 2Y-2.81%
Revenue Next 3Y4.19%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same 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
The Price/Earnings Ratio is negative for RCC. In the last year negative earnings were reported.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for RCC. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RCC indicates a rather cheap valuation: RCC is cheaper than 80.88% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.34 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as RCC's earnings are expected to decrease with -47.91% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-242.79%
EPS Next 3Y-47.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.94%, RCC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 10.90, RCC's dividend is way lower than its industry peers. On top of this 92.65% of the companies listed in the same industry pay a better dividend than RCC!
Compared to an average S&P500 Dividend Yield of 1.92, RCC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.94% |
5.2 History
The dividend of RCC decreases each year by -4.21%.
RCC has been paying a dividend for over 5 years, so it has already some track record.
RCC 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 RCC are negative and hence is the payout ratio. RCC will probably not be able to sustain this dividend level.
The Dividend Rate of RCC 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-242.79%
EPS Next 3Y-47.91%
READY CAPITAL CORP - RC 5 3/4 02/15/26
NYSE:RCC (1/12/2026, 8:26:32 PM)
25.2
+0.09 (+0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners62.67%
Inst Owner ChangeN/A
Ins Owners9.93%
Ins Owner ChangeN/A
Market Cap4.09B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts47.5
Price Target42.03 (66.79%)
Short Float %0%
Short Ratio0.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.94% |
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-41.28%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)17.68%
PT rev (3m)58.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1508.64%
EPS NY rev (1m)0%
EPS NY rev (3m)-187.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-18.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)50.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 5.3 | ||
| P/FCF | 8.34 | ||
| P/OCF | 8.32 | ||
| P/B | 2.29 | ||
| P/tB | 2.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.49
Fwd EYN/A
FCF(TTM)3.02
FCFY11.99%
OCF(TTM)3.03
OCFY12.01%
SpS4.75
BVpS11
TBVpS10.45
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.27 |
F-Score6
WACC7.01%
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-1984.9%
EPS Next 2Y-242.79%
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-28.95%
Revenue Next 2Y-2.81%
Revenue Next 3Y4.19%
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 5 3/4 02/15/26 / RCC FAQ
Can you provide the ChartMill fundamental rating for READY CAPITAL CORP - RC 5 3/4 02/15/26?
ChartMill assigns a fundamental rating of 3 / 10 to RCC.
What is the valuation status for RCC stock?
ChartMill assigns a valuation rating of 2 / 10 to READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC). This can be considered as Overvalued.
Can you provide the profitability details for READY CAPITAL CORP - RC 5 3/4 02/15/26?
READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) has a profitability rating of 1 / 10.
Can you provide the dividend sustainability for RCC stock?
The dividend rating of READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) is 2 / 10 and the dividend payout ratio is -41.28%.