READY CAPITAL CORP - RC 9 12/15/29 (RCD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RCD - US75574U8383
22.4 USD
+0.29 (+1.31%)
RCD gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While RCD seems to be doing ok healthwise, there are quite some concerns on its profitability. RCD has a expensive valuation and it also scores bad on growth.
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.
RCD had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
RCD's Return On Assets of -3.93% is on the low side compared to the rest of the industry. RCD is outperformed by 85.29% of its industry peers.
The Return On Equity of RCD (-18.38%) is worse than 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
Looking at the Gross Margin, with a value of 17.50%, RCD is doing worse than 75.00% of the companies in the same industry.
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
Compared to 5 years ago, RCD has more shares outstanding
The debt/assets ratio for RCD is higher compared to a year ago.
2.2 Solvency
RCD has an Altman-Z score of 0.22. This is a bad value and indicates that RCD is not financially healthy and even has some risk of bankruptcy.
RCD has a Altman-Z score of 0.22. This is in the better half of the industry: RCD outperforms 79.41% of its industry peers.
RCD has a debt to FCF ratio of 12.72. This is a negative value and a sign of low solvency as RCD would need 12.72 years to pay back of 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.
RCD has a Debt/Equity ratio of 3.49. This is a high value indicating a heavy dependency on external financing.
RCD has a better Debt to Equity ratio (3.49) than 67.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.49 | ||
| Debt/FCF | 12.72 | ||
| Altman-Z | 0.22 |
ROIC/WACCN/A
WACC7.07%
2.3 Liquidity
A Current Ratio of 1.03 indicates that RCD should not have too much problems paying its short term obligations.
RCD has a Current ratio of 1.03. This is in the better half of the industry: RCD outperforms 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.
RCD has a Quick ratio of 1.03. This is in the better half of the industry: RCD outperforms 77.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
The earnings per share for RCD have decreased strongly by -452.94% in the last year.
Measured over the past years, RCD shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.62% on average per year.
The Revenue has decreased by -8.20% in the past 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.
Based on estimates for the next years, RCD will show a small growth in Revenue. The Revenue will grow by 4.19% on average per year.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for RCD. In the last year negative earnings were reported.
Also next year RCD is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RCD is valued cheaper than 88.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.42 | ||
| 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
RCD has a Yearly Dividend Yield of 20.08%, which is a nice return.
Compared to an average industry Dividend Yield of 12.28, RCD pays a better dividend. On top of this RCD pays more dividend than 94.12% of the companies listed in the same industry.
RCD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 20.08% |
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
The earnings of RCD are negative and hence is the payout ratio. RCD will probably not be able to sustain this dividend level.
The Dividend Rate of RCD 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-242.79%
EPS Next 3Y-47.91%
READY CAPITAL CORP - RC 9 12/15/29
NYSE:RCD (12/15/2025, 12:34:44 PM)
22.4
+0.29 (+1.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners63.07%
Inst Owner Change2.74%
Ins Owners9.93%
Ins Owner ChangeN/A
Market Cap3.63B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts46.67
Price Target32.7 (45.98%)
Short Float %0%
Short Ratio0.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 20.08% |
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)-10.04%
PT rev (3m)27.37%
EPS NQ rev (1m)-570%
EPS NQ rev (3m)-636%
EPS NY rev (1m)-215.52%
EPS NY rev (3m)-3760%
Revenue NQ rev (1m)-26.3%
Revenue NQ rev (3m)-33.16%
Revenue NY rev (1m)34.89%
Revenue NY rev (3m)-5.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 4.71 | ||
| P/FCF | 7.42 | ||
| P/OCF | 7.4 | ||
| P/B | 2.04 | ||
| P/tB | 2.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.49
Fwd EYN/A
FCF(TTM)3.02
FCFY13.49%
OCF(TTM)3.03
OCFY13.51%
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 | 0.22 |
F-Score6
WACC7.07%
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.
What is the valuation status for RCD stock?
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.