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

NYSE:RCB • US75574U4085

24.67 USD
-0.23 (-0.92%)
Last: Mar 6, 2026, 08:04 PM
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This RCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Taking everything into account, RCB scores 3 out of 10 in our fundamental rating. RCB was compared to 68 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 valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

1

1. RCB Profitability Analysis

1.1 Basic Checks

  • In the past year RCB has reported negative net income.
  • In the past year RCB had a positive cash flow from operations.
  • Of the past 5 years RCB 4 years were profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

  • With a Return On Assets value of -3.93%, RCB is not doing good in the industry: 89.71% of the companies in the same industry are doing better.
  • The Return On Equity of RCB (-18.38%) is worse than 89.71% of its industry peers.
Industry RankSector 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
RCB Yearly ROA, ROE, ROICRCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • RCB has a Gross Margin of 17.50%. This is in the lower half of the industry: RCB underperforms 75.00% 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 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%
RCB Yearly Profit, Operating, Gross MarginsRCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • Compared to 1 year ago, RCB has less shares outstanding
  • Compared to 5 years ago, RCB has more shares outstanding
  • Compared to 1 year ago, RCB has a worse debt to assets ratio.
RCB Yearly Shares OutstandingRCB Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of 0.26, we must say that RCB is in the distress zone and has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 0.26, RCB belongs to the best of the industry, outperforming 89.71% of the companies in the same industry.
  • RCB has a debt to FCF ratio of 12.72. This is a negative value and a sign of low solvency as RCB would need 12.72 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 12.72, RCB belongs to the top of the industry, outperforming 94.12% of the companies in the same industry.
  • A Debt/Equity ratio of 3.49 is on the high side and indicates that RCB has dependencies on debt financing.
  • With a decent Debt to Equity ratio value of 3.49, RCB is doing good in the industry, outperforming 67.65% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.49
Debt/FCF 12.72
Altman-Z 0.26
ROIC/WACCN/A
WACC6.99%
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 0 2B 4B 6B 8B

2.3 Liquidity

  • RCB has a Current Ratio of 1.03. 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 Current ratio of 1.03 is fine compared to the rest of the industry. RCB outperforms 77.94% of its industry peers.
  • A Quick Ratio of 1.03 indicates that RCB should not have too much problems paying its short term obligations.
  • RCB's Quick ratio of 1.03 is fine compared to the rest of the industry. RCB outperforms 77.94% of its industry peers.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
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 200M 400M 600M 800M 1B

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

3

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 -452.94%.
  • RCB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.62% yearly.
  • Looking at the last year, RCB shows a decrease in Revenue. The Revenue has decreased by -8.20% in the last year.
  • The Revenue has been growing by 20.46% on average over the past years. This is a very strong growth!
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, RCB will show a very negative growth in Earnings Per Share. The EPS will decrease by -47.12% on average per year.
  • RCB is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -19.66% yearly.
EPS Next Y-2151.76%
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%
EPS Next 5YN/A
Revenue Next Year-72.17%
Revenue Next 2Y-44.33%
Revenue Next 3Y-19.66%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

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Find the best growth stocksShow best growing peers

2

4. RCB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for RCB. In the last year negative earnings were reported.
  • 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

4.2 Price Multiples

  • RCB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RCB is cheaper than 83.82% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.17
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

  • A cheap valuation may be justified as RCB's earnings are expected to decrease with -47.12% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%

More info and screens

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

4

5. RCB Dividend Analysis

5.1 Amount

  • RCB has a Yearly Dividend Yield of 10.36%, which is a nice return.
  • Compared to an average industry Dividend Yield of 11.15, RCB is paying slightly less dividend.
  • RCB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 10.36%

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 2026 0.5 1 1.5

5.3 Sustainability

  • RCB has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • RCB's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-41.28%
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%
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 0 200M -200M -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 (3/6/2026, 8:04:00 PM)

24.67

-0.23 (-0.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06
Earnings (Next)03-26
Inst Owners62.67%
Inst Owner ChangeN/A
Ins Owners9.93%
Ins Owner ChangeN/A
Market Cap4.00B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts47.5
Price Target48.73 (97.53%)
Short Float %0.01%
Short Ratio6.53
Dividend
Industry RankSector Rank
Dividend Yield 10.36%
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-41.28%
Div Incr Years0
Div Non Decr Years4
Ex-Date01-15
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)0
Avg Revenue beat(8)-42.22%
Revenue beat(12)1
Avg Revenue beat(12)-21.31%
Revenue beat(16)5
Avg Revenue beat(16)14.46%
PT rev (1m)21.85%
PT rev (3m)33.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-243.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-73.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-47.15%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.19
P/FCF 8.17
P/OCF 8.15
P/B 2.24
P/tB 2.36
EV/EBITDA N/A
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.53
Fwd EYN/A
FCF(TTM)3.02
FCFY12.24%
OCF(TTM)3.03
OCFY12.27%
SpS4.75
BVpS11
TBVpS10.45
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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 0.26
F-Score6
WACC6.99%
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-2151.76%
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.2%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
Revenue Next Year-72.17%
Revenue Next 2Y-44.33%
Revenue Next 3Y-19.66%
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 6.2 07/30/26 / RCB 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 of READY CAPITAL CORP - RC 6.2 07/30/26 (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.


How profitable is READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) stock?

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


What is the expected EPS growth for READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) stock?

The Earnings per Share (EPS) of READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) is expected to decline by -2151.76% in the next year.