READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) Stock Fundamental Analysis
USA - NYSE:RCC - US75574U6064
24.89 USD
+0.04 (+0.16%)
RCC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 62 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. While showing a medium growth rate, RCC is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
RCC had negative earnings in the past year.
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.
1.2 Ratios
With a Return On Assets value of -3.42%, RCC is not doing good in the industry: 85.48% of the companies in the same industry are doing better.
RCC's Return On Equity of -17.34% is on the low side compared to the rest of the industry. RCC is outperformed by 82.26% 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
Looking at the Gross Margin, with a value of 8.53%, RCC is doing worse than 79.03% of the companies in the same industry.
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 | 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.
Compared to 5 years ago, RCC has more shares outstanding
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's Altman-Z score of 0.21 is fine compared to the rest of the industry. RCC outperforms 77.42% of its industry peers.
The Debt to FCF ratio of RCC is 25.14, which is on the high side as it means it would take RCC, 25.14 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 25.14, RCC belongs to the top of the industry, outperforming 85.48% of the companies in the same industry.
RCC has a Debt/Equity ratio of 3.89. This is a high value indicating a heavy dependency on external financing.
RCC has a Debt to Equity ratio of 3.89. This is comparable to the rest of the industry: RCC outperforms 58.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Altman-Z | 0.21 |
ROIC/WACCN/A
WACC7.2%
2.3 Liquidity
A Current Ratio of 1.05 indicates that RCC should not have too much problems paying its short term obligations.
RCC has a Current ratio of 1.05. This is in the better half of the industry: RCC outperforms 67.74% 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.
RCC has a better Quick ratio (1.05) than 67.74% of its industry peers.
| 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 -160.00%.
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 -6.28%.
The Revenue has been growing by 20.46% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-160%
EPS 3Y-71.84%
EPS 5Y-49.62%
EPS Q2Q%-300%
Revenue 1Y (TTM)-6.28%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-66.84%
3.2 Future
The Earnings Per Share is expected to grow by 111.61% on average over the next years. This is a very strong growth
RCC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.20% yearly.
EPS Next Y-48.5%
EPS Next 2Y102.98%
EPS Next 3Y111.61%
EPS Next 5YN/A
Revenue Next Year-25.18%
Revenue Next 2Y14.2%
Revenue Next 3YN/A
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 accelerating.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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.
The Price/Forward Earnings ratio is 120.83, which means the current valuation is very expensive for RCC.
87.10% of the companies in the same industry are cheaper than RCC, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.71. RCC is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 120.83 |
4.2 Price Multiples
RCC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RCC's earnings are expected to grow with 111.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y102.98%
EPS Next 3Y111.61%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.18%, RCC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 11.50, RCC has a dividend in line with its industry peers.
RCC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.18% |
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.
DP-52.39%
EPS Next 2Y102.98%
EPS Next 3Y111.61%
READY CAPITAL CORP - RC 5 3/4 02/15/26
NYSE:RCC (9/16/2025, 8:04:01 PM)
24.89
+0.04 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners64.08%
Inst Owner ChangeN/A
Ins Owners1.09%
Ins Owner ChangeN/A
Market Cap4.09B
Analysts47.5
Price Target26.58 (6.79%)
Short Float %0%
Short Ratio1.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.18% |
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)-14.64%
PT rev (3m)-3.76%
EPS NQ rev (1m)-227.03%
EPS NQ rev (3m)-176.23%
EPS NY rev (1m)-88.46%
EPS NY rev (3m)-95.7%
Revenue NQ rev (1m)-15.82%
Revenue NQ rev (3m)-2.4%
Revenue NY rev (1m)-15.11%
Revenue NY rev (3m)-15.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 120.83 | ||
| P/S | 5.44 | ||
| P/FCF | 14.4 | ||
| P/OCF | 14.37 | ||
| P/B | 2.23 | ||
| P/tB | 2.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.54
EYN/A
EPS(NY)0.21
Fwd EY0.83%
FCF(TTM)1.73
FCFY6.94%
OCF(TTM)1.73
OCFY6.96%
SpS4.58
BVpS11.17
TBVpS10.64
PEG (NY)N/A
PEG (5Y)N/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
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-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
WACC7.2%
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)-160%
EPS 3Y-71.84%
EPS 5Y-49.62%
EPS Q2Q%-300%
EPS Next Y-48.5%
EPS Next 2Y102.98%
EPS Next 3Y111.61%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.28%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-66.84%
Revenue Next Year-25.18%
Revenue Next 2Y14.2%
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