Logo image of RCB

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

NYSE:RCB - New York Stock Exchange, Inc. - US75574U4085 - Currency: USD

24.42  -0.03 (-0.12%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to RCB. RCB was compared to 66 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While RCB seems to be doing ok healthwise, there are quite some concerns on its profitability. RCB is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

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.
RCB had a positive operating cash flow in 4 of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

Looking at the Return On Assets, with a value of -3.00%, RCB is doing worse than 84.85% of the companies in the same industry.
RCB has a Return On Equity of -15.33%. This is amonst the worse of the industry: RCB underperforms 86.36% of its industry peers.
Industry RankSector 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
RCB Yearly ROA, ROE, ROICRCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

Looking at the Gross Margin, with a value of 6.99%, RCB is doing worse than 93.94% of the companies in the same industry.
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 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%
RCB Yearly Profit, Operating, Gross MarginsRCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

More info and screens

5

2. Health

2.1 Basic Checks

RCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RCB has less shares outstanding
Compared to 5 years ago, RCB has more shares outstanding
The debt/assets ratio for RCB is higher compared to a year ago.
RCB Yearly Shares OutstandingRCB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
RCB Yearly Total Debt VS Total AssetsRCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

RCB has an Altman-Z score of 0.22. This is a bad value and indicates that RCB is not financially healthy and even has some risk of bankruptcy.
RCB's Altman-Z score of 0.22 is amongst the best of the industry. RCB outperforms 80.30% of its industry peers.
The Debt to FCF ratio of RCB is 21.30, which is on the high side as it means it would take RCB, 21.30 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of RCB (21.30) is better than 92.42% of its industry peers.
RCB has a Debt/Equity ratio of 3.87. This is a high value indicating a heavy dependency on external financing.
RCB has a Debt to Equity ratio of 3.87. This is comparable to the rest of the industry: RCB outperforms 57.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.87
Debt/FCF 21.3
Altman-Z 0.22
ROIC/WACCN/A
WACC7.23%
RCB Yearly LT Debt VS Equity VS FCFRCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

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.
The Current ratio of RCB (1.09) is better than 83.33% of its industry peers.
RCB has a Quick 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's Quick ratio of 1.09 is amongst the best of the industry. RCB outperforms 83.33% of its industry peers.
Industry RankSector Rank
Current Ratio 1.09
Quick Ratio 1.09
RCB Yearly Current Assets VS Current LiabilitesRCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

More info and screens

5

3. Growth

3.1 Past

The earnings per share for RCB have decreased strongly by -127.97% in the last year.
Measured over the past years, RCB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.62% on average per year.
The Revenue for RCB has decreased by -12.89% in the past year. This is quite bad
The Revenue has been growing by 20.46% on average over the past years. This is a very strong growth!
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
Based on estimates for the next years, RCB will show a quite strong growth in Revenue. The Revenue will grow by 8.44% on average per year.
EPS Next Y346.34%
EPS Next 2Y188.54%
EPS Next 3Y111.61%
EPS Next 5YN/A
Revenue Next Year-11.63%
Revenue Next 2Y8.44%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
RCB Yearly Revenue VS EstimatesRCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
RCB Yearly EPS VS EstimatesRCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for RCB. In the last year negative earnings were reported.
RCB is valuated quite expensively with a Price/Forward Earnings ratio of 58.66.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RCB indicates a rather expensive valuation: RCB more expensive than 86.36% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.76. RCB is valued rather expensively when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 58.66
RCB Price Earnings VS Forward Price EarningsRCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 -40 -60

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of RCB indicates a somewhat cheap valuation: RCB is cheaper than 62.12% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 11.76
EV/EBITDA N/A
RCB Per share dataRCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
RCB's earnings are expected to grow with 111.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y188.54%
EPS Next 3Y111.61%

More info and screens

4

5. Dividend

5.1 Amount

RCB has a Yearly Dividend Yield of 10.89%, which is a nice return.
RCB's Dividend Yield is comparable with the industry average which is at 11.54.
RCB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 10.89%

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
RCB Yearly Dividends per shareRCB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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%
RCB Yearly Income VS Free CF VS DividendRCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

More info and screens

READY CAPITAL CORP - RC 6.2 07/30/26

NYSE:RCB (7/11/2025, 8:04:00 PM)

24.42

-0.03 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-06 2025-08-06/amc
Inst Owners63.94%
Inst Owner ChangeN/A
Ins Owners1.09%
Ins Owner ChangeN/A
Market Cap4.16B
Analysts47.5
Price Target27.35 (12%)
Short Float %0.01%
Short Ratio0.85
Dividend
Industry RankSector Rank
Dividend Yield 10.89%
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-65.45%
Div Incr Years0
Div Non Decr Years4
Ex-Date07-15 2025-07-15 (0.3875)
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)0.68%
PT rev (3m)1.56%
EPS NQ rev (1m)-37.5%
EPS NQ rev (3m)-80.95%
EPS NY rev (1m)-62.75%
EPS NY rev (3m)-65.21%
Revenue NQ rev (1m)10.69%
Revenue NQ rev (3m)-23.53%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-17.7%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 58.66
P/S 5.29
P/FCF 11.76
P/OCF 11.73
P/B 2.14
P/tB 2.23
EV/EBITDA N/A
EPS(TTM)-0.33
EYN/A
EPS(NY)0.42
Fwd EY1.7%
FCF(TTM)2.08
FCFY8.5%
OCF(TTM)2.08
OCFY8.52%
SpS4.62
BVpS11.44
TBVpS10.93
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC7.23%
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-11.63%
Revenue Next 2Y8.44%
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