READY CAPITAL CORP - RC 9 12/15/29 (RCD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RCD - US75574U8383
20.96 USD
-0.05 (-0.24%)
We assign a fundamental rating of 3 out of 10 to RCD. RCD was compared to 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 does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year RCD has reported negative net income.
RCD had a positive operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of -3.93%, RCD is doing worse than 85.29% of the companies in the same industry.
RCD has a Return On Equity of -18.38%. This is amonst the worse of the industry: RCD underperforms 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's Gross Margin of 17.50% is on the low side compared to the rest of the industry. RCD is outperformed by 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.
The number of shares outstanding for RCD has been reduced compared to 1 year ago.
The number of shares outstanding for RCD has been increased compared to 5 years ago.
The debt/assets ratio for RCD is higher compared to a year ago.
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.
RCD has a better Altman-Z score (0.20) than 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.
The Debt to FCF ratio of RCD (12.72) is better than 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.
Looking at the Debt to Equity ratio, with a value of 3.49, RCD is in the better half of 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
WACC7.03%
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
RCD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -452.94%.
The earnings per share for RCD have been decreasing by -49.62% on average. This is quite bad
RCD shows a decrease in Revenue. In the last year, the revenue decreased by -8.20%.
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
Based on estimates for the next years, RCD will show a very negative growth in Earnings Per Share. The EPS will decrease by -47.91% on average per year.
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.
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.
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
RCD's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RCD is cheaper than 88.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.94 | ||
| 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 10.60%, RCD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 10.99, RCD has a dividend in line with its industry peers.
RCD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.6% |
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.
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 (12/31/2025, 7:25:23 PM)
20.96
-0.05 (-0.24%)
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 Cap3.40B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts46.67
Price Target35.67 (70.18%)
Short Float %0%
Short Ratio0.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.6% |
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)0.7%
PT rev (3m)38.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-636%
EPS NY rev (1m)-215.52%
EPS NY rev (3m)-187.74%
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 | 4.41 | ||
| P/FCF | 6.94 | ||
| P/OCF | 6.92 | ||
| P/B | 1.91 | ||
| P/tB | 2.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.49
Fwd EYN/A
FCF(TTM)3.02
FCFY14.41%
OCF(TTM)3.03
OCFY14.44%
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
WACC7.03%
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 4 / 10 and the dividend payout ratio is -41.28%.