READY CAPITAL CORP - RC 9 12/15/29 (RCD) Fundamental Analysis & Valuation

NYSE:RCD • US75574U8383

Current stock price

22.39 USD
+0.38 (+1.73%)
Last:

This RCD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. RCD Profitability Analysis

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.
  • The reported net income has been mixed in the past 5 years: RCD reported negative net income in multiple years.
  • Of the past 5 years RCD 4 years had a positive operating cash flow.
RCD Yearly Net Income VS EBIT VS OCF VS FCFRCD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M

1.2 Ratios

  • The Return On Assets of RCD (-3.16%) is worse than 92.54% of its industry peers.
  • RCD has a Return On Equity of -15.82%. This is amonst the worse of the industry: RCD underperforms 94.03% of its industry peers.
Industry RankSector Rank
ROA -3.16%
ROE -15.82%
ROIC N/A
ROA(3y)-1.68%
ROA(5y)-0.41%
ROE(3y)-9.23%
ROE(5y)-1.38%
ROIC(3y)N/A
ROIC(5y)N/A
RCD Yearly ROA, ROE, ROICRCD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • RCD has a worse Gross Margin (7.91%) than 91.04% 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 RankSector Rank
OM N/A
PM (TTM) N/A
GM 7.91%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-42.25%
GM growth 5Y-28.9%
RCD Yearly Profit, Operating, Gross MarginsRCD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. RCD Health Analysis

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 remains at a similar level compared to 1 year ago.
  • RCD has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for RCD has remained at the same level compared to a year ago.
RCD Yearly Shares OutstandingRCD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
RCD Yearly Total Debt VS Total AssetsRCD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of -0.27, we must say that RCD is in the distress zone and has some risk of bankruptcy.
  • RCD has a Altman-Z score of -0.27. This is comparable to the rest of the industry: RCD outperforms 52.24% of its industry peers.
  • RCD has a debt to FCF ratio of 12.88. This is a negative value and a sign of low solvency as RCD would need 12.88 years to pay back of all of its debts.
  • RCD's Debt to FCF ratio of 12.88 is amongst the best of the industry. RCD outperforms 95.52% of its industry peers.
  • A Debt/Equity ratio of 3.28 is on the high side and indicates that RCD has dependencies on debt financing.
  • The Debt to Equity ratio of RCD (3.28) is better than 71.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.28
Debt/FCF 12.88
Altman-Z -0.27
ROIC/WACCN/A
WACC6.84%
RCD Yearly LT Debt VS Equity VS FCFRCD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B

2.3 Liquidity

  • RCD has a Current Ratio of 0.09. This is a bad value and indicates that RCD is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.09, RCD is in line with its industry, outperforming 43.28% of the companies in the same industry.
  • A Quick Ratio of 0.09 indicates that RCD may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.09, RCD is in line with its industry, outperforming 43.28% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
RCD Yearly Current Assets VS Current LiabilitesRCD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. RCD Growth Analysis

3.1 Past

  • RCD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -3300.00%.
  • The Revenue for RCD has decreased by -22.43% in the past year. This is quite bad
  • Measured over the past years, RCD shows a small growth in Revenue. The Revenue has been growing by 2.92% on average per year.
EPS 1Y (TTM)-3300%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1333.33%
Revenue 1Y (TTM)-22.43%
Revenue growth 3Y-5.06%
Revenue growth 5Y2.92%
Sales Q2Q%-73.78%

3.2 Future

  • The Earnings Per Share is expected to grow by 32.31% on average over the next years. This is a very strong growth
  • RCD is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 36.50% yearly.
EPS Next Y58.64%
EPS Next 2Y32.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.33%
Revenue Next 2Y36.5%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
RCD Yearly Revenue VS EstimatesRCD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
RCD Yearly EPS VS EstimatesRCD Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2

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2

4. RCD Valuation Analysis

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 RankSector Rank
PE N/A
Fwd PE N/A
RCD Price Earnings VS Forward Price EarningsRCD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 60 80

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RCD is valued cheaply inside the industry as 85.07% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.94
EV/EBITDA N/A
RCD Per share dataRCD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • RCD's earnings are expected to grow with 32.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y32.31%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. RCD Dividend Analysis

5.1 Amount

  • RCD has a Yearly Dividend Yield of 2.12%.
  • Compared to an average industry Dividend Yield of 12.56, RCD's dividend is way lower than its industry peers. On top of this 95.52% of the companies listed in the same industry pay a better dividend than RCD!
  • Compared to an average S&P500 Dividend Yield of 1.80, RCD has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.12%

5.2 History

  • The dividend of RCD decreases each year by -8.49%.
  • RCD has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-8.49%
Div Incr Years0
Div Non Decr Years0
RCD Yearly Dividends per shareRCD Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • RCD has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-46.14%
EPS Next 2Y32.31%
EPS Next 3YN/A
RCD Yearly Income VS Free CF VS DividendRCD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M

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RCD Fundamentals: All Metrics, Ratios and Statistics

READY CAPITAL CORP - RC 9 12/15/29

NYSE:RCD (5/1/2026, 8:04:00 PM)

22.39

+0.38 (+1.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Industry Strength41.61
Industry Growth86.96
Earnings (Last)02-26
Earnings (Next)05-13
Inst Owners62.49%
Inst Owner Change0.98%
Ins Owners11%
Ins Owner ChangeN/A
Market Cap3.65B
Revenue(TTM)638.33M
Net Income(TTM)-245.58M
Analysts47.5
Price Target24.65 (10.09%)
Short Float %0%
Short Ratio0.57
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
Yearly Dividend0.7
Dividend Growth(5Y)-8.49%
DP-46.14%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-439.01%
Min EPS beat(2)-686.74%
Max EPS beat(2)-191.27%
EPS beat(4)0
Avg EPS beat(4)-525.89%
Min EPS beat(4)-1051.17%
Max EPS beat(4)-174.36%
EPS beat(8)1
Avg EPS beat(8)-312.73%
EPS beat(12)1
Avg EPS beat(12)-215.36%
EPS beat(16)1
Avg EPS beat(16)-162.83%
Revenue beat(2)0
Avg Revenue beat(2)-43.24%
Min Revenue beat(2)-79.8%
Max Revenue beat(2)-6.67%
Revenue beat(4)0
Avg Revenue beat(4)-56.36%
Min Revenue beat(4)-79.8%
Max Revenue beat(4)-6.67%
Revenue beat(8)1
Avg Revenue beat(8)-32.27%
Revenue beat(12)5
Avg Revenue beat(12)51.74%
Revenue beat(16)9
Avg Revenue beat(16)70.98%
PT rev (1m)-41.85%
PT rev (3m)-29.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-25.37%
EPS NY rev (1m)3.38%
EPS NY rev (3m)-24.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.71
P/FCF 7.94
P/OCF 7.9
P/B 2.35
P/tB 2.49
EV/EBITDA N/A
EPS(TTM)-1.6
EYN/A
EPS(NY)-0.66
Fwd EYN/A
FCF(TTM)2.82
FCFY12.6%
OCF(TTM)2.84
OCFY12.67%
SpS3.92
BVpS9.53
TBVpS8.99
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -3.16%
ROE -15.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 7.91%
FCFM 71.99%
ROA(3y)-1.68%
ROA(5y)-0.41%
ROE(3y)-9.23%
ROE(5y)-1.38%
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-42.25%
GM growth 5Y-28.9%
F-Score7
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 3.28
Debt/FCF 12.88
Debt/EBITDA N/A
Cap/Depr 84.14%
Cap/Sales 0.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z -0.27
F-Score7
WACC6.84%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.58%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3300%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1333.33%
EPS Next Y58.64%
EPS Next 2Y32.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-22.43%
Revenue growth 3Y-5.06%
Revenue growth 5Y2.92%
Sales Q2Q%-73.78%
Revenue Next Year11.33%
Revenue Next 2Y36.5%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y42.84%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y74.32%
FCF growth 3Y9.7%
FCF growth 5Y46.29%
OCF growth 1Y74.28%
OCF growth 3Y8.75%
OCF growth 5Y46.31%

READY CAPITAL CORP - RC 9 12/15/29 / RCD Fundamental Analysis 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.


Can you provide the profitability details for READY CAPITAL CORP - RC 9 12/15/29?

READY CAPITAL CORP - RC 9 12/15/29 (RCD) has a profitability rating of 1 / 10.


What is the financial health of READY CAPITAL CORP - RC 9 12/15/29 (RCD) stock?

The financial health rating of READY CAPITAL CORP - RC 9 12/15/29 (RCD) is 3 / 10.