READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) Stock Fundamental Analysis
USA - NYSE:RCB - US75574U4085
24.525 USD
+0.04 (+0.18%)
Overall RCB gets a fundamental rating of 3 out of 10. We evaluated RCB against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. The financial health of RCB is average, but there are quite some concerns on its profitability. 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.
In the past year RCB had a positive cash flow from operations.
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
With a Return On Assets value of -3.42%, RCB is not doing good in the industry: 83.82% of the companies in the same industry are doing better.
RCB has a worse Return On Equity (-17.34%) than 85.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.42% | ||
| ROE | -17.34% | ||
| 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
The Gross Margin of RCB (8.53%) is worse than 83.82% of its industry peers.
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 | 8.53% |
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.
RCB has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, RCB has more shares outstanding
The debt/assets ratio for RCB is higher compared to a year ago.
2.2 Solvency
RCB has an Altman-Z score of 0.20. 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 0.20 is amongst the best of the industry. RCB outperforms 80.88% of its industry peers.
The Debt to FCF ratio of RCB is 25.14, which is on the high side as it means it would take RCB, 25.14 years of fcf income to pay off all of its debts.
RCB has a better Debt to FCF ratio (25.14) than 91.18% of its industry peers.
A Debt/Equity ratio of 3.89 is on the high side and indicates that RCB has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.89, RCB is in the better half of the industry, outperforming 61.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Altman-Z | 0.2 |
ROIC/WACCN/A
WACC6.99%
2.3 Liquidity
RCB has a Current Ratio of 1.05. 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 1.05 is fine compared to the rest of the industry. RCB outperforms 72.06% of its industry peers.
A Quick Ratio of 1.05 indicates that RCB should not have too much problems paying its short term obligations.
RCB has a better Quick ratio (1.05) than 72.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.05 |
3. Growth
3.1 Past
The earnings per share for RCB have decreased strongly by -452.94% in the last year.
RCB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.62% yearly.
RCB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -21.55%.
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)-21.55%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
3.2 Future
The Earnings Per Share is expected to decrease by -112.69% on average over the next years. This is quite bad
Based on estimates for the next years, RCB will show a quite strong growth in Revenue. The Revenue will grow by 12.88% on average per year.
EPS Next Y-697.4%
EPS Next 2Y-91%
EPS Next 3Y-112.69%
EPS Next 5YN/A
Revenue Next Year-47.33%
Revenue Next 2Y12.88%
Revenue Next 3YN/A
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 decreasing.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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.
Also next year RCB is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
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 60.29% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as RCB's earnings are expected to decrease with -112.69% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-91%
EPS Next 3Y-112.69%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.44%, RCB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 12.03, RCB is paying slightly less dividend.
RCB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.44% |
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
The earnings of RCB are negative and hence is the payout ratio. RCB will probably not be able to sustain this dividend level.
RCB's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-52.39%
EPS Next 2Y-91%
EPS Next 3Y-112.69%
READY CAPITAL CORP - RC 6.2 07/30/26
NYSE:RCB (11/20/2025, 8:20:50 PM)
24.525
+0.04 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners68.01%
Inst Owner ChangeN/A
Ins Owners8.2%
Ins Owner ChangeN/A
Market Cap4.03B
Revenue(TTM)822.90M
Net Income(TTM)-318.36M
Analysts46.67
Price Target34.49 (40.63%)
Short Float %0.01%
Short Ratio3.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.44% |
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-52.39%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-612.77%
Min EPS beat(2)-1051.17%
Max EPS beat(2)-174.36%
EPS beat(4)0
Avg EPS beat(4)-389.82%
Min EPS beat(4)-1051.17%
Max EPS beat(4)-114.25%
EPS beat(8)1
Avg EPS beat(8)-208.67%
EPS beat(12)1
Avg EPS beat(12)-142.88%
EPS beat(16)3
Avg EPS beat(16)-104%
Revenue beat(2)0
Avg Revenue beat(2)-69.49%
Min Revenue beat(2)-73.9%
Max Revenue beat(2)-65.08%
Revenue beat(4)0
Avg Revenue beat(4)-40.85%
Min Revenue beat(4)-73.9%
Max Revenue beat(4)-10.88%
Revenue beat(8)0
Avg Revenue beat(8)-36.57%
Revenue beat(12)2
Avg Revenue beat(12)-1.68%
Revenue beat(16)6
Avg Revenue beat(16)33.14%
PT rev (1m)28.71%
PT rev (3m)12.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-280.43%
EPS NY rev (1m)8.81%
EPS NY rev (3m)-233.84%
Revenue NQ rev (1m)0.52%
Revenue NQ rev (3m)-20.26%
Revenue NY rev (1m)11.71%
Revenue NY rev (3m)-40.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 5.36 | ||
| P/FCF | 14.19 | ||
| P/OCF | 14.16 | ||
| P/B | 2.2 | ||
| P/tB | 2.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.08
Fwd EYN/A
FCF(TTM)1.73
FCFY7.05%
OCF(TTM)1.73
OCFY7.06%
SpS4.58
BVpS11.17
TBVpS10.64
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.42% | ||
| ROE | -17.34% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 8.53% | ||
| FCFM | 37.75% |
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-Score5
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.09% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.05 | ||
| Altman-Z | 0.2 |
F-Score5
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-697.4%
EPS Next 2Y-91%
EPS Next 3Y-112.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-21.55%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
Revenue Next Year-47.33%
Revenue Next 2Y12.88%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-189.75%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-10.24%
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.
Can you provide the valuation status for READY CAPITAL CORP - RC 6.2 07/30/26?
ChartMill assigns a valuation rating of 1 / 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 earnings growth outlook for READY CAPITAL CORP - RC 6.2 07/30/26?
The Earnings per Share (EPS) of READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) is expected to decline by -697.4% in the next year.
Can you provide the dividend sustainability for RCB stock?
The dividend rating of READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) is 4 / 10 and the dividend payout ratio is -52.39%.