READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RCC - US75574U6064
24.88 USD
+0.04 (+0.16%)
We assign a fundamental rating of 3 out of 10 to RCC. RCC was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While RCC seems to be doing ok healthwise, there are quite some concerns on its profitability. RCC is quite expensive at the moment. It does show a decent growth rate.
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
Looking at the Return On Assets, with a value of -3.42%, RCC is doing worse than 85.29% of the companies in the same industry.
RCC has a worse Return On Equity (-17.34%) than 86.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.42% | ||
| ROE | -17.34% | ||
| 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 worse Gross Margin (8.53%) than 85.29% of its industry peers.
RCC's Gross Margin has declined in the last couple of years.
RCC does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 8.53% |
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.
The number of shares outstanding for RCC has been reduced compared to 1 year ago.
RCC has more shares outstanding than it did 5 years ago.
RCC has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.21, we must say that RCC is in the distress zone and has some risk of bankruptcy.
RCC has a better Altman-Z score (0.21) than 82.35% of its industry peers.
RCC has a debt to FCF ratio of 25.14. This is a negative value and a sign of low solvency as RCC would need 25.14 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 25.14, RCC belongs to the best of the industry, outperforming 89.71% of the companies in the same industry.
A Debt/Equity ratio of 3.89 is on the high side and indicates that RCC has dependencies on debt financing.
RCC has a better Debt to Equity ratio (3.89) than 60.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Altman-Z | 0.21 |
ROIC/WACCN/A
WACC6.97%
2.3 Liquidity
RCC has a Current Ratio of 1.05. 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 better Current ratio (1.05) than 70.59% of its industry peers.
RCC has a Quick Ratio of 1.05. This is a normal value and indicates that RCC is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.05, RCC is in the better half of the industry, outperforming 70.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.05 |
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.
Looking at the last year, RCC shows a very negative growth in Revenue. The Revenue has decreased by -21.55% in the last 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)-21.55%
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 -112.69% yearly.
RCC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.88% yearly.
EPS Next Y-697.4%
EPS Next 2Y-91%
EPS Next 3Y-112.69%
EPS Next 5YN/A
Revenue Next Year-47.33%
Revenue Next 2Y12.88%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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 is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RCC's earnings are expected to decrease with -112.69% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-91%
EPS Next 3Y-112.69%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.55%, RCC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 12.59, RCC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.42, RCC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.55% |
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.
RCC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-52.39%
EPS Next 2Y-91%
EPS Next 3Y-112.69%
READY CAPITAL CORP - RC 5 3/4 02/15/26
NYSE:RCC (11/21/2025, 8:04:00 PM)
24.88
+0.04 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners68.01%
Inst Owner ChangeN/A
Ins Owners8.2%
Ins Owner ChangeN/A
Market Cap4.09B
Revenue(TTM)822.90M
Net Income(TTM)-318.36M
Analysts46.67
Price Target37.12 (49.2%)
Short Float %0%
Short Ratio1.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.55% |
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-52.39%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-612.77%
Min EPS beat(2)-1051.17%
Max EPS beat(2)-174.36%
EPS beat(4)0
Avg EPS beat(4)-389.82%
Min EPS beat(4)-1051.17%
Max EPS beat(4)-114.25%
EPS beat(8)1
Avg EPS beat(8)-208.67%
EPS beat(12)1
Avg EPS beat(12)-142.88%
EPS beat(16)3
Avg EPS beat(16)-104%
Revenue beat(2)0
Avg Revenue beat(2)-69.49%
Min Revenue beat(2)-73.9%
Max Revenue beat(2)-65.08%
Revenue beat(4)0
Avg Revenue beat(4)-40.85%
Min Revenue beat(4)-73.9%
Max Revenue beat(4)-10.88%
Revenue beat(8)0
Avg Revenue beat(8)-36.57%
Revenue beat(12)2
Avg Revenue beat(12)-1.68%
Revenue beat(16)6
Avg Revenue beat(16)33.14%
PT rev (1m)41.72%
PT rev (3m)20.98%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-280.43%
EPS NY rev (1m)8.81%
EPS NY rev (3m)-233.84%
Revenue NQ rev (1m)0.52%
Revenue NQ rev (3m)-20.26%
Revenue NY rev (1m)11.71%
Revenue NY rev (3m)-40.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 5.43 | ||
| P/FCF | 14.4 | ||
| P/OCF | 14.37 | ||
| P/B | 2.23 | ||
| P/tB | 2.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.08
Fwd EYN/A
FCF(TTM)1.73
FCFY6.95%
OCF(TTM)1.73
OCFY6.96%
SpS4.58
BVpS11.17
TBVpS10.64
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.42% | ||
| ROE | -17.34% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 8.53% | ||
| FCFM | 37.75% |
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-Score5
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.09% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.05 | ||
| Altman-Z | 0.21 |
F-Score5
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-697.4%
EPS Next 2Y-91%
EPS Next 3Y-112.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-21.55%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
Revenue Next Year-47.33%
Revenue Next 2Y12.88%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-189.75%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-10.24%
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 of READY CAPITAL CORP - RC 5 3/4 02/15/26 (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.
What is the profitability of RCC stock?
READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) has a profitability rating of 1 / 10.
What is the expected EPS growth for READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) stock?
The Earnings per Share (EPS) of READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) is expected to decline by -697.4% in the next year.