READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) Stock Fundamental Analysis
NYSE:RCB - New York Stock Exchange, Inc. - US75574U4085 - Currency: USD
Overall RCB gets a fundamental rating of 4 out of 10. We evaluated RCB against 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. RCB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. RCB is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
RCB had negative earnings in the past year.
RCB had a positive operating cash flow in the past year.
RCB had positive earnings in 4 of the past 5 years.
Of the past 5 years RCB 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of RCB (-3.00%) is worse than 85.07% of its industry peers.
RCB's Return On Equity of -15.33% is on the low side compared to the rest of the industry. RCB is outperformed by 86.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3% | ||
| ROE | -15.33% | ||
| 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 6.99%, RCB is doing worse than 92.54% of the companies in the same industry.
RCB's Gross Margin has declined in the last couple of years.
RCB 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 | 6.99% |
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
RCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RCB has been reduced compared to 1 year ago.
The number of shares outstanding for RCB has been increased compared to 5 years ago.
The debt/assets ratio for RCB is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.22, we must say that RCB is in the distress zone and has some risk of bankruptcy.
RCB has a Altman-Z score of 0.22. This is amongst the best in the industry. RCB outperforms 80.60% of its industry peers.
RCB has a debt to FCF ratio of 21.30. This is a negative value and a sign of low solvency as RCB would need 21.30 years to pay back of all of its debts.
RCB has a better Debt to FCF ratio (21.30) than 92.54% of its industry peers.
A Debt/Equity ratio of 3.87 is on the high side and indicates that RCB has dependencies on debt financing.
RCB has a Debt to Equity ratio of 3.87. This is comparable to the rest of the industry: RCB outperforms 59.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.87 | ||
| Debt/FCF | 21.3 | ||
| Altman-Z | 0.22 |
ROIC/WACCN/A
WACC7.03%
2.3 Liquidity
RCB has a Current Ratio of 1.09. This is a normal value and indicates that RCB is financially healthy and should not expect problems in meeting its short term obligations.
RCB has a Current ratio of 1.09. This is amongst the best in the industry. RCB outperforms 83.58% of its industry peers.
A Quick Ratio of 1.09 indicates that RCB should not have too much problems paying its short term obligations.
RCB has a Quick ratio of 1.09. This is amongst the best in the industry. RCB outperforms 83.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
RCB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -127.97%.
RCB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.62% yearly.
The Revenue for RCB has decreased by -12.89% in the past year. This is quite bad
Measured over the past years, RCB shows a very strong growth in Revenue. The Revenue has been growing by 20.46% on average per year.
EPS 1Y (TTM)-127.97%
EPS 3Y-71.84%
EPS 5Y-49.62%
EPS Q2Q%-131.03%
Revenue 1Y (TTM)-12.89%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-70.13%
3.2 Future
The Earnings Per Share is expected to grow by 111.61% on average over the next years. This is a very strong growth
RCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.16% yearly.
EPS Next Y346.34%
EPS Next 2Y188.54%
EPS Next 3Y111.61%
EPS Next 5YN/A
Revenue Next Year-11.87%
Revenue Next 2Y15.16%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for RCB. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 58.30, RCB can be considered very expensive at the moment.
86.57% of the companies in the same industry are cheaper than RCB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.21, RCB is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 58.3 |
4.2 Price Multiples
61.19% of the companies in the same industry are more expensive than RCB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RCB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as RCB's earnings are expected to grow with 111.61% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y188.54%
EPS Next 3Y111.61%
5. Dividend
5.1 Amount
RCB has a Yearly Dividend Yield of 5.83%, which is a nice return.
Compared to an average industry Dividend Yield of 10.53, RCB's dividend is way lower than its industry peers. On top of this 92.54% of the companies listed in the same industry pay a better dividend than RCB!
RCB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
5.2 History
The dividend of RCB decreases each year by -4.21%.
RCB has been paying a dividend for over 5 years, so it has already some track record.
RCB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-4.21%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
RCB has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-65.45%
EPS Next 2Y188.54%
EPS Next 3Y111.61%
READY CAPITAL CORP - RC 6.2 07/30/26
NYSE:RCB (8/1/2025, 8:04:00 PM)
24.2701
+0.08 (+0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners63.94%
Inst Owner ChangeN/A
Ins Owners1.09%
Ins Owner ChangeN/A
Market Cap4.14B
Analysts47.5
Price Target30.12 (24.1%)
Short Float %0.01%
Short Ratio0.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-65.45%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-144.31%
Min EPS beat(2)-174.36%
Max EPS beat(2)-114.25%
EPS beat(4)0
Avg EPS beat(4)-145.01%
Min EPS beat(4)-219.49%
Max EPS beat(4)-71.94%
EPS beat(8)1
Avg EPS beat(8)-78.3%
EPS beat(12)1
Avg EPS beat(12)-55.58%
EPS beat(16)4
Avg EPS beat(16)-37.52%
Revenue beat(2)0
Avg Revenue beat(2)-43.72%
Min Revenue beat(2)-73.9%
Max Revenue beat(2)-13.55%
Revenue beat(4)0
Avg Revenue beat(4)-31.99%
Min Revenue beat(4)-73.9%
Max Revenue beat(4)-10.88%
Revenue beat(8)0
Avg Revenue beat(8)-33.12%
Revenue beat(12)3
Avg Revenue beat(12)11.86%
Revenue beat(16)7
Avg Revenue beat(16)53.61%
PT rev (1m)10.15%
PT rev (3m)2.91%
EPS NQ rev (1m)-14.98%
EPS NQ rev (3m)-83.81%
EPS NY rev (1m)0%
EPS NY rev (3m)-65.53%
Revenue NQ rev (1m)12.83%
Revenue NQ rev (3m)-13.72%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-18.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 58.3 | ||
| P/S | 5.25 | ||
| P/FCF | 11.69 | ||
| P/OCF | 11.66 | ||
| P/B | 2.12 | ||
| P/tB | 2.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.33
EYN/A
EPS(NY)0.42
Fwd EY1.72%
FCF(TTM)2.08
FCFY8.56%
OCF(TTM)2.08
OCFY8.58%
SpS4.62
BVpS11.44
TBVpS10.93
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3% | ||
| ROE | -15.33% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 6.99% | ||
| FCFM | 44.95% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.87 | ||
| Debt/FCF | 21.3 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.1% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z | 0.22 |
F-Score5
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)-127.97%
EPS 3Y-71.84%
EPS 5Y-49.62%
EPS Q2Q%-131.03%
EPS Next Y346.34%
EPS Next 2Y188.54%
EPS Next 3Y111.61%
EPS Next 5YN/A
Revenue 1Y (TTM)-12.89%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-70.13%
Revenue Next Year-11.87%
Revenue Next 2Y15.16%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-533.79%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y6.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y3.32%
OCF growth 3YN/A
OCF growth 5YN/A