READY CAPITAL CORP - RC 9 12/15/29 (RCD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RCD - US75574U8383
21.08 USD
-0.15 (-0.71%)
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. RCD scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. RCD has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
RCD had negative earnings in the past year.
In the past year RCD had a positive cash flow from operations.
Of the past 5 years RCD 4 years were profitable.
Of the past 5 years RCD 4 years had a positive operating cash flow.
1.2 Ratios
RCD has a Return On Assets of -3.93%. This is amonst the worse of the industry: RCD underperforms 85.29% of its industry peers.
RCD has a worse Return On Equity (-18.38%) 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
The Gross Margin of RCD (17.50%) is worse than 75.00% of its industry peers.
RCD's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for RCD so they could not be analyzed.
| 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.
RCD has less shares outstanding than it did 1 year ago.
RCD has more shares outstanding than it did 5 years ago.
The debt/assets ratio for RCD is higher compared to a year ago.
2.2 Solvency
RCD has an Altman-Z score of 0.21. 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 0.21. 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's Debt to FCF ratio of 12.72 is amongst the best of 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.
The Debt to Equity ratio of RCD (3.49) is better than 67.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.49 | ||
| Debt/FCF | 12.72 | ||
| Altman-Z | 0.21 |
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.
Looking at the Current ratio, with a value of 1.03, RCD is in the better half of the industry, outperforming 77.94% of the companies in the same industry.
A Quick Ratio of 1.03 indicates that RCD should not have too much problems paying its short term obligations.
RCD has a better Quick ratio (1.03) than 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.
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.
RCD shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.46% yearly.
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
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.
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
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 | 6.98 | ||
| 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 1.78%.
With a Dividend Yield of 1.78, RCD pays less dividend than the industry average, which is at 12.23. 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 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
5.2 History
The dividend of RCD decreases each year by -4.21%.
RCD has paid a dividend for at least 10 years, which is 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.
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 (12/26/2025, 4:15:00 PM)
21.08
-0.15 (-0.71%)
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 Cap3.42B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts46.67
Price TargetN/A
Short Float %0%
Short Ratio0.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
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)0%
EPS NQ rev (3m)-636%
EPS NY rev (1m)-215.52%
EPS NY rev (3m)-3760%
Revenue NQ rev (1m)-21.55%
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 | 4.44 | ||
| P/FCF | 6.98 | ||
| P/OCF | 6.96 | ||
| P/B | 1.92 | ||
| P/tB | 2.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.49
Fwd EYN/A
FCF(TTM)3.02
FCFY14.33%
OCF(TTM)3.03
OCFY14.36%
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 | 0.21 |
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.