READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RCB - US75574U4085
24.5602 USD
-0.04 (-0.16%)
Overall RCB gets a fundamental rating of 3 out of 10. We evaluated RCB against 69 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.
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.
RCB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of -3.93%, RCB is not doing good in the industry: 86.96% of the companies in the same industry are doing better.
RCB has a Return On Equity of -18.38%. This is amonst the worse of the industry: RCB underperforms 88.41% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Gross Margin, with a value of 17.50%, RCB is doing worse than 76.81% 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 Rank | Sector 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%
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.
The number of shares outstanding for RCB has been increased compared to 5 years ago.
The debt/assets ratio for RCB is higher compared to a year ago.
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.
The Altman-Z score of RCB (0.26) is better than 82.61% of its industry peers.
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.
RCB has a Debt to FCF ratio of 12.72. This is amongst the best in the industry. RCB outperforms 92.75% of its industry peers.
RCB has a Debt/Equity ratio of 3.49. This is a high value indicating a heavy dependency on external financing.
With a decent Debt to Equity ratio value of 3.49, RCB is doing good in the industry, outperforming 65.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.49 | ||
| Debt/FCF | 12.72 | ||
| Altman-Z | 0.26 |
ROIC/WACCN/A
WACC6.99%
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 has a Current ratio of 1.03. This is in the better half of the industry: RCB outperforms 75.36% of its industry peers.
RCB has a Quick 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 Quick ratio of 1.03 is fine compared to the rest of the industry. RCB outperforms 75.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
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.
Looking at the last year, RCB shows a decrease in Revenue. The Revenue has decreased by -8.20% in the last year.
RCB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.46% yearly.
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 -47.91% on average per year.
The Revenue is expected to grow by 4.19% on average over the next years.
EPS Next Y-1984.9%
EPS Next 2Y-242.79%
EPS Next 3Y-47.91%
EPS Next 5YN/A
Revenue Next Year-28.95%
Revenue Next 2Y-2.81%
Revenue Next 3Y4.19%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
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 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 rather cheap valuation: RCB is cheaper than 84.06% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.13 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RCB's earnings are expected to decrease with -47.91% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-242.79%
EPS Next 3Y-47.91%
5. Dividend
5.1 Amount
RCB has a Yearly Dividend Yield of 9.88%, which is a nice return.
RCB's Dividend Yield is slightly below the industry average, which is at 12.09.
RCB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.88% |
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
RCB has negative earnings and hence a negative payout ratio. The dividend may be in danger.
The Dividend Rate of RCB has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP-41.28%
EPS Next 2Y-242.79%
EPS Next 3Y-47.91%
READY CAPITAL CORP - RC 6.2 07/30/26
NYSE:RCB (12/11/2025, 8:04:00 PM)
24.5602
-0.04 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners63.07%
Inst Owner ChangeN/A
Ins Owners9.93%
Ins Owner ChangeN/A
Market Cap3.98B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts46.67
Price Target35.32 (43.81%)
Short Float %0.01%
Short Ratio3.24
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.88% |
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-41.28%
Div Incr Years0
Div Non Decr Years4
Ex-Date
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)2.41%
PT rev (3m)22.3%
EPS NQ rev (1m)-570%
EPS NQ rev (3m)-323.33%
EPS NY rev (1m)-215.52%
EPS NY rev (3m)-3760%
Revenue NQ rev (1m)-26.3%
Revenue NQ rev (3m)-33.16%
Revenue NY rev (1m)34.89%
Revenue NY rev (3m)-18.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 5.17 | ||
| P/FCF | 8.13 | ||
| P/OCF | 8.11 | ||
| P/B | 2.23 | ||
| P/tB | 2.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.49
Fwd EYN/A
FCF(TTM)3.02
FCFY12.3%
OCF(TTM)3.03
OCFY12.33%
SpS4.75
BVpS11
TBVpS10.45
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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-1984.9%
EPS Next 2Y-242.79%
EPS Next 3Y-47.91%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.2%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
Revenue Next Year-28.95%
Revenue Next 2Y-2.81%
Revenue Next 3Y4.19%
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.
Can you provide the valuation status for READY CAPITAL CORP - RC 6.2 07/30/26?
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 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 -1984.9% 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 -41.28%.