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

NYSE:RCC • US75574U6064

Current stock price

25.04 USD
+0.01 (+0.04%)
Last:

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

1

1. RCC Profitability Analysis

1.1 Basic Checks

  • In the past year RCC has reported negative net income.
  • RCC had a positive operating cash flow in the past year.
  • Of the past 5 years RCC 4 years were profitable.
  • Of the past 5 years RCC 4 years had a positive operating cash flow.
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

  • RCC has a worse Return On Assets (-3.93%) than 88.57% of its industry peers.
  • Looking at the Return On Equity, with a value of -18.38%, RCC is doing worse than 90.00% of the companies in the same industry.
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 worse Gross Margin (17.50%) than 77.14% 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 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. RCC Health Analysis

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.
  • 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

  • Based on the Altman-Z score of 0.26, we must say that RCC is in the distress zone and has some risk of bankruptcy.
  • RCC has a Altman-Z score of 0.26. This is amongst the best in the industry. RCC outperforms 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.
  • Looking at the Debt to FCF ratio, with a value of 12.72, RCC belongs to the top of the industry, outperforming 91.43% of the companies in the same industry.
  • A Debt/Equity ratio of 3.49 is on the high side and indicates that RCC has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 3.49, RCC is in the better half of 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
WACC6.97%
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 has a Current ratio of 1.03. This is in the better half 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 has a Quick ratio of 1.03. This is in the better half 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. RCC Growth Analysis

3.1 Past

  • RCC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -452.94%.
  • The earnings per share for RCC have been decreasing by -49.62% on average. This is quite bad
  • 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 -47.12% yearly.
  • The Revenue is expected to decrease by -19.66% on average over the next years. This is quite bad
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. RCC Valuation Analysis

4.1 Price/Earnings Ratio

  • RCC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Also next year RCC 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
RCC Price Earnings VS Forward Price EarningsRCC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50

4.2 Price Multiples

  • 80.00% of the companies in the same industry are more expensive than RCC, based on the Price/Free Cash Flow ratio.
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

3

5. RCC Dividend Analysis

5.1 Amount

  • RCC has a Yearly Dividend Yield of 2.29%. Purely for dividend investing, there may be better candidates out there.
  • With a Dividend Yield of 2.29, RCC pays less dividend than the industry average, which is at 13.43. 91.43% of the companies listed in the same industry pay a better dividend than RCC!
  • Compared to an average S&P500 Dividend Yield of 1.88, RCC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.29%

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

  • The earnings of RCC are negative and hence is the payout ratio. RCC will probably not be able to sustain this dividend level.
  • RCC's earnings and Dividend Rate are 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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RCC Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:RCC (2/13/2026, 8:04:00 PM)

25.04

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06
Earnings (Next)03-11
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 (59.42%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.29%
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)5.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-616.65%
EPS NY rev (1m)-8.85%
EPS NY rev (3m)-243.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-74.95%
Revenue NY rev (1m)0%
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 2.4
EV/EBITDA N/A
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.53
Fwd EYN/A
FCF(TTM)3.02
FCFY12.06%
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
WACC6.97%
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 Fundamental Analysis 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.


Can you provide the valuation status for READY CAPITAL CORP - RC 5 3/4 02/15/26?

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.


How profitable is READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) stock?

READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) has a profitability rating of 1 / 10.


What is the financial health of READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) stock?

The financial health rating of READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) is 5 / 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 3 / 10 and the dividend payout ratio is -41.28%.