READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) Fundamental Analysis & Valuation

NYSE:RCC • US75574U6064

Current stock price

25.04 USD
+0.01 (+0.04%)
Last:

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

1

1. RCC Profitability Analysis

1.1 Basic Checks

  • In the past year RCC has reported negative net income.
  • RCC had a positive operating cash flow in the past year.
  • RCC had positive earnings in 4 of the past 5 years.
  • Of the past 5 years RCC 4 years had a positive operating cash flow.
RCC Yearly Net Income VS EBIT VS OCF VS FCFRCC 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 0 200M -200M -400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -3.93%, RCC is doing worse than 88.57% of the companies in the same industry.
  • With a Return On Equity value of -18.38%, RCC is not doing good in the industry: 90.00% of the companies in the same industry are doing better.
Industry RankSector 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
RCC Yearly ROA, ROE, ROICRCC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • The Gross Margin of RCC (17.50%) is worse than 77.14% of its industry peers.
  • In the last couple of years the Gross Margin of RCC has declined.
  • RCC 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 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%
RCC Yearly Profit, Operating, Gross MarginsRCC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. RCC Health Analysis

2.1 Basic Checks

  • RCC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for RCC has been reduced compared to 1 year ago.
  • The number of shares outstanding for RCC has been increased compared to 5 years ago.
  • RCC has a worse debt/assets ratio than last year.
RCC Yearly Shares OutstandingRCC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
RCC Yearly Total Debt VS Total AssetsRCC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • RCC has an Altman-Z score of 0.26. This is a bad value and indicates that RCC is not financially healthy and even has some risk of bankruptcy.
  • RCC has a better Altman-Z score (0.26) than 85.71% of its industry peers.
  • The Debt to FCF ratio of RCC is 12.72, which is on the high side as it means it would take RCC, 12.72 years of fcf income to pay off all of its debts.
  • RCC has a better Debt to FCF ratio (12.72) than 91.43% of its industry peers.
  • A Debt/Equity ratio of 3.49 is on the high side and indicates that RCC has dependencies on debt financing.
  • RCC has a better Debt to Equity ratio (3.49) than 65.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.49
Debt/FCF 12.72
Altman-Z 0.26
ROIC/WACCN/A
WACC6.97%
RCC Yearly LT Debt VS Equity VS FCFRCC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

2.3 Liquidity

  • RCC has a Current Ratio of 1.03. This is a normal value and indicates that RCC is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.03, RCC is in the better half of the industry, outperforming 75.71% of the companies in the same industry.
  • RCC has a Quick Ratio of 1.03. This is a normal value and indicates that RCC is financially healthy and should not expect problems in meeting its short term obligations.
  • RCC has a Quick ratio of 1.03. This is in the better half of the industry: RCC outperforms 75.71% of its industry peers.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
RCC Yearly Current Assets VS Current LiabilitesRCC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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

3

3. RCC Growth Analysis

3.1 Past

  • RCC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -452.94%.
  • Measured over the past years, RCC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.62% on average per year.
  • RCC shows a decrease in Revenue. In the last year, the revenue decreased by -8.20%.
  • Measured over the past years, RCC shows a very strong growth in Revenue. The Revenue has been growing by 20.46% on average per year.
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, RCC will show a very negative growth in Earnings Per Share. The EPS will decrease by -47.12% on average per year.
  • Based on estimates for the next years, RCC will show a very negative growth in Revenue. The Revenue will decrease by -19.66% on average per year.
EPS Next Y-2151.76%
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%
EPS Next 5YN/A
Revenue Next Year-72.17%
Revenue Next 2Y-44.33%
Revenue Next 3Y-19.66%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • 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.
RCC Yearly Revenue VS EstimatesRCC 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
RCC Yearly EPS VS EstimatesRCC 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

1

4. RCC Valuation Analysis

4.1 Price/Earnings Ratio

  • RCC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Also next year RCC is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
RCC Price Earnings VS Forward Price EarningsRCC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of RCC indicates a somewhat cheap valuation: RCC is cheaper than 80.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.29
EV/EBITDA N/A
RCC Per share dataRCC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

  • RCC's earnings are expected to decrease with -47.12% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%

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

3

5. RCC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.29%, RCC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 13.66, RCC's dividend is way lower than its industry peers. On top of this 91.43% of the companies listed in the same industry pay a better dividend than RCC!
  • Compared to an average S&P500 Dividend Yield of 1.89, RCC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.29%

5.2 History

  • The dividend of RCC decreases each year by -4.21%.
  • RCC has been paying a dividend for over 5 years, so it has already some track record.
  • RCC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-4.21%
Div Incr Years0
Div Non Decr Years3
RCC Yearly Dividends per shareRCC Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • RCC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The Dividend Rate of RCC 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-254.37%
EPS Next 3Y-47.12%
RCC Yearly Income VS Free CF VS DividendRCC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

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RCC Fundamentals: All Metrics, Ratios and Statistics

READY CAPITAL CORP - RC 5 3/4 02/15/26

NYSE:RCC (2/13/2026, 8:04:00 PM)

25.04

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06
Earnings (Next)03-11
Inst Owners62.67%
Inst Owner ChangeN/A
Ins Owners9.93%
Ins Owner ChangeN/A
Market Cap4.06B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts47.5
Price Target39.92 (59.42%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.29%
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-41.28%
Div Incr Years0
Div Non Decr Years3
Ex-Date01-15
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)-5.03%
PT rev (3m)5.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-616.65%
EPS NY rev (1m)-8.85%
EPS NY rev (3m)-243.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-74.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-47.15%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.27
P/FCF 8.29
P/OCF 8.27
P/B 2.28
P/tB 2.4
EV/EBITDA N/A
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.53
Fwd EYN/A
FCF(TTM)3.02
FCFY12.06%
OCF(TTM)3.03
OCFY12.09%
SpS4.75
BVpS11
TBVpS10.45
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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
WACC6.97%
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-2151.76%
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.2%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
Revenue Next Year-72.17%
Revenue Next 2Y-44.33%
Revenue Next 3Y-19.66%
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 5 3/4 02/15/26 / RCC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for READY CAPITAL CORP - RC 5 3/4 02/15/26?

ChartMill assigns a fundamental rating of 3 / 10 to RCC.


Can you provide the valuation status for READY CAPITAL CORP - RC 5 3/4 02/15/26?

ChartMill assigns a valuation rating of 1 / 10 to READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC). This can be considered as Overvalued.


How profitable is READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) stock?

READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) has a profitability rating of 1 / 10.


What is the financial health of READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) stock?

The financial health rating of READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) is 5 / 10.


Can you provide the dividend sustainability for RCC stock?

The dividend rating of READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) is 3 / 10 and the dividend payout ratio is -41.28%.