READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) Stock Fundamental Analysis
USA - NYSE:RCB - US75574U4085
24.47 USD
-0.11 (-0.45%)
RCB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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 quite expensive at the moment. It does show a decent growth rate.
1. Profitability
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.
Of the past 5 years RCB 4 years were profitable.
RCB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of -3.42%, RCB is not doing good in the industry: 86.76% of the companies in the same industry are doing better.
With a Return On Equity value of -17.34%, RCB is not doing good in the industry: 83.82% of the companies in the same industry are doing better.
| 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
Looking at the Gross Margin, with a value of 8.53%, RCB is doing worse than 80.88% of the companies in the same industry.
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.
Compared to 1 year ago, RCB has less shares outstanding
RCB has more shares outstanding than it did 5 years ago.
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.
RCB has a debt to FCF ratio of 25.14. This is a negative value and a sign of low solvency as RCB would need 25.14 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 25.14, RCB belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
A Debt/Equity ratio of 3.89 is on the high side and indicates that RCB has dependencies on debt financing.
RCB has a Debt to Equity ratio of 3.89. This is in the better half of the industry: RCB outperforms 63.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Altman-Z | 0.2 |
ROIC/WACCN/A
WACC7%
2.3 Liquidity
A Current Ratio of 1.05 indicates that RCB should not have too much problems paying its short term obligations.
RCB has a Current ratio of 1.05. This is in the better half of the industry: RCB outperforms 73.53% of its industry peers.
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.
With a decent Quick ratio value of 1.05, RCB is doing good in the industry, outperforming 73.53% of the companies in the same industry.
| 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.
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 decrease in Revenue. In the last year, the revenue decreased by -6.28%.
RCB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.46% yearly.
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 very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -112.69% yearly.
RCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.88% yearly.
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
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
RCB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RCB is cheaper than 61.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.16 | ||
| 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
RCB has a Yearly Dividend Yield of 16.23%, which is a nice return.
RCB's Dividend Yield is rather good when compared to the industry average which is at 12.65. RCB pays more dividend than 89.71% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, RCB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.23% |
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 (10/29/2025, 12:02:31 PM)
24.47
-0.11 (-0.45%)
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 Cap4.02B
Revenue(TTM)752.30M
Net Income(TTM)-318363000
Analysts47.5
Price Target26.8 (9.52%)
Short Float %0.01%
Short Ratio3.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.23% |
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)2.08%
PT rev (3m)-11.04%
EPS NQ rev (1m)-42.03%
EPS NQ rev (3m)-228.89%
EPS NY rev (1m)8.81%
EPS NY rev (3m)-233.84%
Revenue NQ rev (1m)-5.74%
Revenue NQ rev (3m)-11.21%
Revenue NY rev (1m)-29.6%
Revenue NY rev (3m)-40.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 5.35 | ||
| P/FCF | 14.16 | ||
| P/OCF | 14.13 | ||
| P/B | 2.19 | ||
| P/tB | 2.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.54
EYN/A
EPS(NY)-0.08
Fwd EYN/A
FCF(TTM)1.73
FCFY7.06%
OCF(TTM)1.73
OCFY7.08%
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
WACC7%
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-697.4%
EPS Next 2Y-91%
EPS Next 3Y-112.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.28%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-66.84%
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 5 / 10 and the dividend payout ratio is -52.39%.