READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) Stock Fundamental Analysis
USA - NYSE:RCB - US75574U4085
24.73 USD
+0.03 (+0.12%)
We assign a fundamental rating of 4 out of 10 to RCB. RCB was compared to 67 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 quite expensive at the moment. 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.
RCB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -3.42%, RCB is doing worse than 85.07% of the companies in the same industry.
RCB's Return On Equity of -17.34% is on the low side compared to the rest of the industry. RCB is outperformed by 82.09% 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 79.10% 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
RCB has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.21, we must say that RCB is in the distress zone and has some risk of bankruptcy.
RCB's Altman-Z score of 0.21 is fine compared to the rest of the industry. RCB outperforms 79.10% 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.
With an excellent Debt to FCF ratio value of 25.14, RCB belongs to the best of the industry, outperforming 88.06% of the companies in the same industry.
RCB has a Debt/Equity ratio of 3.89. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of RCB (3.89) is better than 62.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Altman-Z | 0.21 |
ROIC/WACCN/A
WACC7.03%
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.
Looking at the Current ratio, with a value of 1.05, RCB is in the better half of the industry, outperforming 71.64% of the companies in the same industry.
RCB has a Quick 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 has a better Quick ratio (1.05) than 71.64% 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 -160.00% in the last year.
The earnings per share for RCB have been decreasing by -49.62% on average. This is quite bad
The Revenue has decreased by -6.28% in the past year.
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)-160%
EPS 3Y-71.84%
EPS 5Y-49.62%
EPS Q2Q%-300%
Revenue 1Y (TTM)-6.28%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-66.84%
3.2 Future
RCB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 87.50% yearly.
The Revenue is expected to grow by 12.94% on average over the next years. This is quite good.
EPS Next Y-755.08%
EPS Next 2Y33.1%
EPS Next 3Y87.5%
EPS Next 5YN/A
Revenue Next Year-52.85%
Revenue Next 2Y12.94%
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 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
RCB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 279.18, RCB can be considered very expensive at the moment.
RCB's Price/Forward Earnings ratio is rather expensive when compared to the industry. RCB is more expensive than 89.55% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.32. RCB is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 279.18 |
4.2 Price Multiples
RCB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RCB is cheaper than 61.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RCB's earnings are expected to grow with 87.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.1%
EPS Next 3Y87.5%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 13.37%, RCB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 11.68, RCB pays a bit more dividend than its industry peers.
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 | 13.37% |
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.
DP-52.39%
EPS Next 2Y33.1%
EPS Next 3Y87.5%
READY CAPITAL CORP - RC 6.2 07/30/26
NYSE:RCB (10/3/2025, 8:04:00 PM)
24.73
+0.03 (+0.12%)
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 Cap4.06B
Analysts47.5
Price Target26.8 (8.37%)
Short Float %0.01%
Short Ratio4.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.37% |
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)-7.22%
PT rev (3m)-2.01%
EPS NQ rev (1m)-482.35%
EPS NQ rev (3m)-240%
EPS NY rev (1m)-1372%
EPS NY rev (3m)-246.77%
Revenue NQ rev (1m)-23.91%
Revenue NQ rev (3m)-29.26%
Revenue NY rev (1m)-46.07%
Revenue NY rev (3m)-46.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 279.18 | ||
| P/S | 5.4 | ||
| P/FCF | 14.31 | ||
| P/OCF | 14.28 | ||
| P/B | 2.21 | ||
| P/tB | 2.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.54
EYN/A
EPS(NY)0.09
Fwd EY0.36%
FCF(TTM)1.73
FCFY6.99%
OCF(TTM)1.73
OCFY7%
SpS4.58
BVpS11.17
TBVpS10.64
PEG (NY)N/A
PEG (5Y)N/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
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 | 3.89 | ||
| 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 | 0.21 |
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)-160%
EPS 3Y-71.84%
EPS 5Y-49.62%
EPS Q2Q%-300%
EPS Next Y-755.08%
EPS Next 2Y33.1%
EPS Next 3Y87.5%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.28%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-66.84%
Revenue Next Year-52.85%
Revenue Next 2Y12.94%
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