READY CAPITAL CORP - RC 9 12/15/29 (RCD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RCD - US75574U8383
21.59 USD
+0.75 (+3.6%)
Overall RCD gets a fundamental rating of 3 out of 10. We evaluated RCD against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. The financial health of RCD is average, but there are quite some concerns on its profitability. RCD is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year RCD has reported negative net income.
In the past year RCD had a positive cash flow from operations.
RCD had positive earnings in 4 of the past 5 years.
Of the past 5 years RCD 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of RCD (-3.93%) is worse than 85.29% of its industry peers.
RCD's Return On Equity of -18.38% is on the low side compared to the rest of the industry. RCD is outperformed by 86.76% 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
RCD has a Gross Margin of 17.50%. This is in the lower half of the industry: RCD underperforms 75.00% of its industry peers.
RCD's Gross Margin has declined in the last couple of years.
RCD 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 | 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
RCD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RCD has less shares outstanding
RCD has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, RCD has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.20, we must say that RCD is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.20, RCD is in the better half of the industry, outperforming 79.41% of the companies in the same industry.
The Debt to FCF ratio of RCD is 12.72, which is on the high side as it means it would take RCD, 12.72 years of fcf income to pay off all of its debts.
RCD has a Debt to FCF ratio of 12.72. This is amongst the best in the industry. RCD outperforms 94.12% of its industry peers.
A Debt/Equity ratio of 3.49 is on the high side and indicates that RCD has dependencies on debt financing.
With a decent Debt to Equity ratio value of 3.49, RCD is doing good in the industry, outperforming 67.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.49 | ||
| Debt/FCF | 12.72 | ||
| Altman-Z | 0.2 |
ROIC/WACCN/A
WACC7.06%
2.3 Liquidity
RCD has a Current Ratio of 1.03. This is a normal value and indicates that RCD is financially healthy and should not expect problems in meeting its short term obligations.
RCD has a better Current ratio (1.03) than 77.94% of its industry peers.
RCD has a Quick Ratio of 1.03. This is a normal value and indicates that RCD is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of RCD (1.03) is better than 77.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
RCD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -452.94%.
RCD 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, RCD shows a decrease in Revenue. The Revenue has decreased by -8.20% in the last year.
Measured over the past years, RCD shows a very strong growth in Revenue. The Revenue has been growing by 20.46% on average per year.
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
RCD is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -47.91% yearly.
The Revenue is expected to grow by 4.19% on average over the next years.
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 RCD. In the last year negative earnings were reported.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for RCD. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
88.24% of the companies in the same industry are more expensive than RCD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.15 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as RCD'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%, RCD has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.94, RCD pays less dividend than the industry average, which is at 10.90. 95.59% of the companies listed in the same industry pay a better dividend than RCD!
RCD's Dividend Yield is comparable with the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.94% |
5.2 History
The dividend of RCD decreases each year by -4.21%.
RCD has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-4.21%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
RCD has negative earnings and hence a negative payout ratio. The dividend may be in danger.
RCD's earnings and Dividend Rate are 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 9 12/15/29
NYSE:RCD (1/12/2026, 7:00:00 PM)
21.59
+0.75 (+3.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners62.67%
Inst Owner Change-1.76%
Ins Owners9.93%
Ins Owner ChangeN/A
Market Cap3.50B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts47.5
Price Target35.67 (65.22%)
Short Float %0%
Short Ratio0.13
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 Years0
Ex-DateN/A
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)2
Avg Revenue beat(8)4.82%
Revenue beat(12)6
Avg Revenue beat(12)67.43%
Revenue beat(16)10
Avg Revenue beat(16)81.02%
PT rev (1m)9.08%
PT rev (3m)39.88%
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 | 4.54 | ||
| P/FCF | 7.15 | ||
| P/OCF | 7.13 | ||
| P/B | 1.96 | ||
| P/tB | 2.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.49
Fwd EYN/A
FCF(TTM)3.02
FCFY13.99%
OCF(TTM)3.03
OCFY14.02%
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 | 0.2 |
F-Score6
WACC7.06%
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 9 12/15/29 / RCD FAQ
What is the fundamental rating for RCD stock?
ChartMill assigns a fundamental rating of 3 / 10 to RCD.
Can you provide the valuation status for READY CAPITAL CORP - RC 9 12/15/29?
ChartMill assigns a valuation rating of 2 / 10 to READY CAPITAL CORP - RC 9 12/15/29 (RCD). This can be considered as Overvalued.
How profitable is READY CAPITAL CORP - RC 9 12/15/29 (RCD) stock?
READY CAPITAL CORP - RC 9 12/15/29 (RCD) has a profitability rating of 1 / 10.
What is the earnings growth outlook for READY CAPITAL CORP - RC 9 12/15/29?
The Earnings per Share (EPS) of READY CAPITAL CORP - RC 9 12/15/29 (RCD) is expected to decline by -1984.9% in the next year.
Can you provide the dividend sustainability for RCD stock?
The dividend rating of READY CAPITAL CORP - RC 9 12/15/29 (RCD) is 2 / 10 and the dividend payout ratio is -41.28%.