READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) Stock Fundamental Analysis

NYSE:RCC • US75574U6064

25.03 USD
0 (0%)
Last: Feb 12, 2026, 07:12 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to RCC. RCC was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. The financial health of RCC is average, but there are quite some concerns on its profitability. RCC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year RCC has reported negative net income.
  • 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.
RCC Yearly Net Income VS EBIT VS OCF VS FCFRCC 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%, RCC is doing worse than 88.57% of the companies in the same industry.
  • With a Return On Equity value of -18.38%, RCC is not doing good in the industry: 90.00% of the companies in the same industry are doing better.
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
RCC Yearly ROA, ROE, ROICRCC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • RCC has a Gross Margin of 17.50%. This is in the lower half of the industry: RCC underperforms 77.14% of its industry peers.
  • In the last couple of years the Gross Margin of RCC has declined.
  • The Profit Margin and Operating Margin are not available for RCC 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%
RCC Yearly Profit, Operating, Gross MarginsRCC 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

5

2. Health

2.1 Basic Checks

  • RCC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • RCC has less shares outstanding than it did 1 year ago.
  • RCC has more shares outstanding than it did 5 years ago.
  • RCC has a worse debt/assets ratio than last year.
RCC Yearly Shares OutstandingRCC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
RCC Yearly Total Debt VS Total AssetsRCC 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

  • RCC has an Altman-Z score of 0.26. This is a bad value and indicates that RCC is not financially healthy and even has some risk of bankruptcy.
  • RCC has a better Altman-Z score (0.26) than 85.71% of its industry peers.
  • RCC has a debt to FCF ratio of 12.72. This is a negative value and a sign of low solvency as RCC would need 12.72 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 12.72, RCC belongs to the best of the industry, outperforming 91.43% of the companies in the same industry.
  • RCC 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, RCC is doing good in the industry, outperforming 65.71% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.49
Debt/FCF 12.72
Altman-Z 0.26
ROIC/WACCN/A
WACC7.01%
RCC Yearly LT Debt VS Equity VS FCFRCC 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 RCC should not have too much problems paying its short term obligations.
  • RCC's Current ratio of 1.03 is fine compared to the rest of the industry. RCC outperforms 75.71% 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's Quick ratio of 1.03 is fine compared to the rest of the industry. RCC outperforms 75.71% of its industry peers.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
RCC Yearly Current Assets VS Current LiabilitesRCC 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. Growth

3.1 Past

  • RCC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -452.94%.
  • RCC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.62% yearly.
  • 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

  • The Earnings Per Share is expected to decrease by -47.12% on average over the next years. This is quite bad
  • RCC is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -19.66% yearly.
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.
RCC Yearly Revenue VS EstimatesRCC 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
RCC Yearly EPS VS EstimatesRCC 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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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • RCC 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 RCC. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
RCC Price Earnings VS Forward Price EarningsRCC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 -40

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RCC is valued a bit cheaper than 80.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.29
EV/EBITDA N/A
RCC Per share dataRCC 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 RCC'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

2

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.03%, RCC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 12.51, RCC's dividend is way lower than its industry peers. On top of this 92.86% of the companies listed in the same industry pay a better dividend than RCC!
  • Compared to an average S&P500 Dividend Yield of 1.80, RCC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.03%

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
RCC Yearly Dividends per shareRCC Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • RCC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • 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-254.37%
EPS Next 3Y-47.12%
RCC Yearly Income VS Free CF VS DividendRCC 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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Find the best dividend stocksShow peers with best dividend

READY CAPITAL CORP - RC 5 3/4 02/15/26

NYSE:RCC (2/12/2026, 7:12:28 PM)

25.03

0 (0%)

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 ChangeN/A
Ins Owners9.93%
Ins Owner ChangeN/A
Market Cap4.06B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts47.5
Price Target39.92 (59.49%)
Short Float %0%
Short Ratio0.17
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 Years3
Ex-Date01-15
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)-5.03%
PT rev (3m)14.28%
EPS NQ rev (1m)-6.96%
EPS NQ rev (3m)-616.65%
EPS NY rev (1m)-8.85%
EPS NY rev (3m)-243.45%
Revenue NQ rev (1m)-66.01%
Revenue NQ rev (3m)-74.95%
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 5.27
P/FCF 8.29
P/OCF 8.27
P/B 2.28
P/tB 2.39
EV/EBITDA N/A
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.53
Fwd EYN/A
FCF(TTM)3.02
FCFY12.07%
OCF(TTM)3.03
OCFY12.09%
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 0.26
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-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 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 1 / 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%.