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

NYSE:RCB • US75574U4085

Current stock price

25.31 USD
+0.01 (+0.04%)
At close:
25.32 USD
+0.01 (+0.04%)
After Hours:

This RCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. RCB Profitability Analysis

1.1 Basic Checks

  • In the past year RCB has reported negative net income.
  • RCB had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: RCB reported negative net income in multiple years.
  • Of the past 5 years RCB 4 years had a positive operating cash flow.
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 2025 0 200M -200M 400M -400M

1.2 Ratios

  • With a Return On Assets value of -3.16%, RCB is not doing good in the industry: 92.65% of the companies in the same industry are doing better.
  • RCB has a worse Return On Equity (-15.82%) than 94.12% of its industry peers.
Industry RankSector Rank
ROA -3.16%
ROE -15.82%
ROIC N/A
ROA(3y)-1.68%
ROA(5y)-0.41%
ROE(3y)-9.23%
ROE(5y)-1.38%
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 2025 0 10 -10 -20

1.3 Margins

  • The Gross Margin of RCB (7.91%) is worse than 91.18% 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 RankSector Rank
OM N/A
PM (TTM) N/A
GM 7.91%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-42.25%
GM growth 5Y-28.9%
RCB Yearly Profit, Operating, Gross MarginsRCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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 about the same amount of shares outstanding.
  • Compared to 5 years ago, RCB has more shares outstanding
  • The debt/assets ratio for RCB has remained at the same level compared to a year ago.
RCB Yearly Shares OutstandingRCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • RCB has an Altman-Z score of -0.23. 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 -0.23 is in line compared to the rest of the industry. RCB outperforms 52.94% of its industry peers.
  • RCB has a debt to FCF ratio of 12.88. This is a negative value and a sign of low solvency as RCB would need 12.88 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 12.88, RCB belongs to the top of the industry, outperforming 94.12% of the companies in the same industry.
  • RCB has a Debt/Equity ratio of 3.28. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 3.28, RCB is in the better half of the industry, outperforming 70.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.28
Debt/FCF 12.88
Altman-Z -0.23
ROIC/WACCN/A
WACC6.9%
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 2025 0 2B 4B 6B 8B

2.3 Liquidity

  • A Current Ratio of 0.09 indicates that RCB may have some problems paying its short term obligations.
  • The Current ratio of RCB (0.09) is comparable to the rest of the industry.
  • RCB has a Quick Ratio of 0.09. This is a bad value and indicates that RCB is not financially healthy enough and could expect problems in meeting its short term obligations.
  • RCB has a Quick ratio (0.09) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
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 2025 1B 2B 3B

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

5

3. RCB Growth Analysis

3.1 Past

  • The earnings per share for RCB have decreased strongly by -3300.00% in the last year.
  • The Revenue for RCB has decreased by -22.43% in the past year. This is quite bad
  • RCB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.92% yearly.
EPS 1Y (TTM)-3300%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1333.33%
Revenue 1Y (TTM)-22.43%
Revenue growth 3Y-5.06%
Revenue growth 5Y2.92%
Sales Q2Q%-73.78%

3.2 Future

  • Based on estimates for the next years, RCB will show a very strong growth in Earnings Per Share. The EPS will grow by 32.31% on average per year.
  • Based on estimates for the next years, RCB will show a very strong growth in Revenue. The Revenue will grow by 36.50% on average per year.
EPS Next Y58.64%
EPS Next 2Y32.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.33%
Revenue Next 2Y36.5%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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

  • RCB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • 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 60 80

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RCB is valued a bit cheaper than the industry average as 79.41% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.97
EV/EBITDA N/A
RCB Per share dataRCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • RCB's earnings are expected to grow with 32.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y32.31%
EPS Next 3YN/A

More info and screens

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

3

5. RCB Dividend Analysis

5.1 Amount

  • RCB has a Yearly Dividend Yield of 2.58%.
  • Compared to an average industry Dividend Yield of 12.92, RCB's dividend is way lower than its industry peers. On top of this 94.12% of the companies listed in the same industry pay a better dividend than RCB!
  • Compared to an average S&P500 Dividend Yield of 1.82, RCB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.58%

5.2 History

  • The dividend of RCB decreases each year by -8.49%.
  • RCB has been paying a dividend for over 5 years, so it has already some track record.
  • As RCB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)-8.49%
Div Incr Years0
Div Non Decr Years5
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

  • The earnings of RCB are negative and hence is the payout ratio. RCB will probably not be able to sustain this dividend level.
DP-46.14%
EPS Next 2Y32.31%
EPS Next 3YN/A
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 2025 0 200M -200M 400M -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 (4/10/2026, 8:04:00 PM)

After market: 25.32 +0.01 (+0.04%)

25.31

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners62.49%
Inst Owner ChangeN/A
Ins Owners11%
Ins Owner ChangeN/A
Market Cap4.12B
Revenue(TTM)638.33M
Net Income(TTM)-245.58M
Analysts47.5
Price Target34.59 (36.67%)
Short Float %0.01%
Short Ratio3
Dividend
Industry RankSector Rank
Dividend Yield 2.58%
Yearly Dividend0.7
Dividend Growth(5Y)-8.49%
DP-46.14%
Div Incr Years0
Div Non Decr Years5
Ex-Date04-15
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-439.01%
Min EPS beat(2)-686.74%
Max EPS beat(2)-191.27%
EPS beat(4)0
Avg EPS beat(4)-525.89%
Min EPS beat(4)-1051.17%
Max EPS beat(4)-174.36%
EPS beat(8)1
Avg EPS beat(8)-312.73%
EPS beat(12)1
Avg EPS beat(12)-215.36%
EPS beat(16)1
Avg EPS beat(16)-162.83%
Revenue beat(2)0
Avg Revenue beat(2)-43.24%
Min Revenue beat(2)-79.8%
Max Revenue beat(2)-6.67%
Revenue beat(4)0
Avg Revenue beat(4)-56.36%
Min Revenue beat(4)-79.8%
Max Revenue beat(4)-6.67%
Revenue beat(8)0
Avg Revenue beat(8)-40.22%
Revenue beat(12)0
Avg Revenue beat(12)-37.01%
Revenue beat(16)4
Avg Revenue beat(16)4.42%
PT rev (1m)-29.03%
PT rev (3m)-16.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-26%
EPS NY rev (1m)3.38%
EPS NY rev (3m)-35.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-66.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-67.19%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 6.46
P/FCF 8.97
P/OCF 8.92
P/B 2.66
P/tB 2.81
EV/EBITDA N/A
EPS(TTM)-1.6
EYN/A
EPS(NY)-0.66
Fwd EYN/A
FCF(TTM)2.82
FCFY11.15%
OCF(TTM)2.84
OCFY11.2%
SpS3.92
BVpS9.53
TBVpS8.99
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -3.16%
ROE -15.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 7.91%
FCFM 71.99%
ROA(3y)-1.68%
ROA(5y)-0.41%
ROE(3y)-9.23%
ROE(5y)-1.38%
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-42.25%
GM growth 5Y-28.9%
F-Score7
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 3.28
Debt/FCF 12.88
Debt/EBITDA N/A
Cap/Depr 84.14%
Cap/Sales 0.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z -0.23
F-Score7
WACC6.9%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.58%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3300%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1333.33%
EPS Next Y58.64%
EPS Next 2Y32.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-22.43%
Revenue growth 3Y-5.06%
Revenue growth 5Y2.92%
Sales Q2Q%-73.78%
Revenue Next Year11.33%
Revenue Next 2Y36.5%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y42.84%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y74.32%
FCF growth 3Y9.7%
FCF growth 5Y46.29%
OCF growth 1Y74.28%
OCF growth 3Y8.75%
OCF growth 5Y46.31%

READY CAPITAL CORP - RC 6.2 07/30/26 / RCB Fundamental Analysis 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 for 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.


Can you provide the profitability details for READY CAPITAL CORP - RC 6.2 07/30/26?

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


How financially healthy is READY CAPITAL CORP - RC 6.2 07/30/26?

The financial health rating of READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) is 3 / 10.


Is the dividend of READY CAPITAL CORP - RC 6.2 07/30/26 sustainable?

The dividend rating of READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) is 3 / 10 and the dividend payout ratio is -46.14%.