READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RCB - US75574U4085
24.55 USD
-0.05 (-0.2%)
Taking everything into account, RCB scores 3 out of 10 in our fundamental rating. RCB was compared to 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 does not seem to be growing, but still is valued expensively.
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.
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
The Return On Assets of RCB (-3.93%) is worse than 86.76% of its industry peers.
With a Return On Equity value of -18.38%, RCB is not doing good in the industry: 88.24% of the companies in the same industry are doing better.
| 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
RCB's Gross Margin of 17.50% is on the low side compared to the rest of the industry. RCB is outperformed by 76.47% 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 | 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.
Compared to 1 year ago, RCB has less shares outstanding
RCB has more shares outstanding than it did 5 years ago.
RCB has a worse debt/assets ratio than last year.
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.
RCB has a better Altman-Z score (0.26) than 83.82% 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 better Debt to FCF ratio (12.72) than 92.65% 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.
RCB has a better Debt to Equity ratio (3.49) than 66.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.49 | ||
| Debt/FCF | 12.72 | ||
| Altman-Z | 0.26 |
ROIC/WACCN/A
WACC7%
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 76.47% 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 has a Quick ratio of 1.03. This is in the better half of the industry: RCB outperforms 76.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
RCB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -452.94%.
Measured over the past years, RCB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.62% on average per year.
RCB shows a decrease in Revenue. In the last year, the revenue decreased by -8.20%.
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)-8.2%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
3.2 Future
The Earnings Per Share is expected to decrease by -47.91% on average over the next years. This is quite bad
RCB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.19% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
Based on the Price/Free Cash Flow ratio, RCB is valued cheaply inside the industry as 82.35% of the companies are valued more expensively.
| 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
With a Yearly Dividend Yield of 5.74%, RCB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 10.99, RCB has a dividend in line with its industry peers.
RCB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.74% |
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-41.28%
EPS Next 2Y-242.79%
EPS Next 3Y-47.91%
READY CAPITAL CORP - RC 6.2 07/30/26
NYSE:RCB (1/2/2026, 8:04:00 PM)
24.55
-0.05 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners62.67%
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 Target41.32 (68.31%)
Short Float %0.01%
Short Ratio4.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.74% |
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)12.85%
PT rev (3m)57.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-636%
EPS NY rev (1m)-215.52%
EPS NY rev (3m)-187.74%
Revenue NQ rev (1m)-21.55%
Revenue NQ rev (3m)-33.16%
Revenue NY rev (1m)34.89%
Revenue NY rev (3m)-5.04%
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
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)-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.
What is the valuation status of READY CAPITAL CORP - RC 6.2 07/30/26 (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.
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 expected EPS growth for READY CAPITAL CORP - RC 6.2 07/30/26 (RCB) stock?
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.