READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) Fundamental Analysis & Valuation

NYSE:RCB • US75574U4085

Current stock price

25.2201 USD
+0.01 (+0.04%)
Last:

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

1

1. RCB Profitability Analysis

1.1 Basic Checks

  • RCB had negative earnings in the past year.
  • In the past year RCB had a positive cash flow from operations.
  • In multiple years RCB reported negative net income over the last 5 years.
  • Of the past 5 years RCB 4 years had a positive operating cash flow.
RCB Yearly Net Income VS EBIT VS OCF VS FCFRCB 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 RCB (-3.16%) is worse than 92.65% of its industry peers.
  • Looking at the Return On Equity, with a value of -15.82%, RCB is doing worse than 94.12% of the companies in the same industry.
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
RCB Yearly ROA, ROE, ROICRCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • RCB's Gross Margin of 7.91% is on the low side compared to the rest of the industry. RCB is outperformed by 91.18% of its industry peers.
  • RCB's Gross Margin has declined in the last couple of years.
  • The Profit Margin and Operating Margin are not available for RCB so they could not be analyzed.
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%
RCB Yearly Profit, Operating, Gross MarginsRCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. RCB Health Analysis

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 remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, RCB has more shares outstanding
  • RCB has about the same debt/assets ratio as last year.
RCB Yearly Shares OutstandingRCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
RCB Yearly Total Debt VS Total AssetsRCB 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 -0.23, we must say that RCB is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.23, RCB perfoms like the industry average, outperforming 52.94% of the companies in the same industry.
  • The Debt to FCF ratio of RCB is 12.88, which is on the high side as it means it would take RCB, 12.88 years of fcf income to pay off all of its debts.
  • RCB has a better Debt to FCF ratio (12.88) than 94.12% of its industry peers.
  • A Debt/Equity ratio of 3.28 is on the high side and indicates that RCB has dependencies on debt financing.
  • RCB has a Debt to Equity ratio of 3.28. This is in the better half of the industry: RCB outperforms 70.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.28
Debt/FCF 12.88
Altman-Z -0.23
ROIC/WACCN/A
WACC6.91%
RCB Yearly LT Debt VS Equity VS FCFRCB 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

  • A Current Ratio of 0.09 indicates that RCB may have some problems paying its short term obligations.
  • RCB has a Current ratio of 0.09. This is comparable to the rest of the industry: RCB outperforms 44.12% of its industry peers.
  • RCB has a Quick Ratio of 0.09. This is a bad value and indicates that RCB is not financially healthy enough and could expect problems in meeting its short term obligations.
  • RCB's Quick ratio of 0.09 is in line compared to the rest of the industry. RCB outperforms 44.12% of its industry peers.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
RCB Yearly Current Assets VS Current LiabilitesRCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

More info and screens

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

5

3. RCB Growth Analysis

3.1 Past

  • RCB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -3300.00%.
  • The Revenue for RCB has decreased by -22.43% in the past year. This is quite bad
  • Measured over the past years, RCB 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

  • Based on estimates for the next years, RCB will show a very strong growth in Earnings Per Share. The EPS will grow by 34.98% on average per year.
  • Based on estimates for the next years, RCB will show a very strong growth in Revenue. The Revenue will grow by 36.50% on average per year.
EPS Next Y57.19%
EPS Next 2Y34.98%
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

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
RCB Yearly Revenue VS EstimatesRCB 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
RCB Yearly EPS VS EstimatesRCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2

More info and screens

Find the best growth stocksShow best growing peers

2

4. RCB Valuation Analysis

4.1 Price/Earnings Ratio

  • RCB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for RCB. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
RCB Price Earnings VS Forward Price EarningsRCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 60 80

4.2 Price Multiples

  • 79.41% of the companies in the same industry are more expensive than RCB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.94
EV/EBITDA N/A
RCB Per share dataRCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • RCB's earnings are expected to grow with 34.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y34.98%
EPS Next 3YN/A

More info and screens

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

3

5. RCB Dividend Analysis

5.1 Amount

  • RCB has a Yearly Dividend Yield of 2.63%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 13.56, RCB's dividend is way lower than its industry peers. On top of this 94.12% of the companies listed in the same industry pay a better dividend than RCB!
  • Compared to an average S&P500 Dividend Yield of 1.90, RCB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.63%

5.2 History

  • The dividend of RCB decreases each year by -8.49%.
  • 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)-8.49%
Div Incr Years0
Div Non Decr Years4
RCB Yearly Dividends per shareRCB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • The earnings of RCB are negative and hence is the payout ratio. RCB will probably not be able to sustain this dividend level.
DP-46.14%
EPS Next 2Y34.98%
EPS Next 3YN/A
RCB Yearly Income VS Free CF VS DividendRCB 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

More info and screens

Find the best dividend stocksShow peers with best dividend

RCB Fundamentals: All Metrics, Ratios and Statistics

READY CAPITAL CORP - RC 6.2 07/30/26

NYSE:RCB (4/2/2026, 8:04:00 PM)

25.2201

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners62.37%
Inst Owner ChangeN/A
Ins Owners9.88%
Ins Owner ChangeN/A
Market Cap4.11B
Revenue(TTM)638.33M
Net Income(TTM)-245.58M
Analysts47.5
Price Target48.73 (93.22%)
Short Float %0.01%
Short Ratio3
Dividend
Industry RankSector Rank
Dividend Yield 2.63%
Yearly Dividend0.7
Dividend Growth(5Y)-8.49%
DP-46.14%
Div Incr Years0
Div Non Decr Years4
Ex-Date04-15
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)0
Avg Revenue beat(8)-40.22%
Revenue beat(12)0
Avg Revenue beat(12)-37.01%
Revenue beat(16)4
Avg Revenue beat(16)4.42%
PT rev (1m)0%
PT rev (3m)17.94%
EPS NQ rev (1m)-50%
EPS NQ rev (3m)-26%
EPS NY rev (1m)-29.76%
EPS NY rev (3m)-40.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-66.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-67.19%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 6.44
P/FCF 8.94
P/OCF 8.89
P/B 2.65
P/tB 2.8
EV/EBITDA N/A
EPS(TTM)-1.6
EYN/A
EPS(NY)-0.68
Fwd EYN/A
FCF(TTM)2.82
FCFY11.19%
OCF(TTM)2.84
OCFY11.24%
SpS3.92
BVpS9.53
TBVpS8.99
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
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 -0.23
F-Score7
WACC6.91%
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 Y57.19%
EPS Next 2Y34.98%
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 6.2 07/30/26 / RCB Fundamental Analysis FAQ

What is the ChartMill fundamental rating of READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) stock?

ChartMill assigns a fundamental rating of 3 / 10 to RCB.


What is the valuation status for RCB stock?

ChartMill assigns a valuation rating of 2 / 10 to READY CAPITAL CORP - RC 6.2 07/30/26 (RCB). This can be considered as Overvalued.


Can you provide the profitability details for READY CAPITAL CORP - RC 6.2 07/30/26?

READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) has a profitability rating of 1 / 10.


How financially healthy is READY CAPITAL CORP - RC 6.2 07/30/26?

The financial health rating of READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) is 3 / 10.


Is the dividend of READY CAPITAL CORP - RC 6.2 07/30/26 sustainable?

The dividend rating of READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) is 3 / 10 and the dividend payout ratio is -46.14%.