READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) Stock Fundamental Analysis
USA - NYSE:RCC - US75574U6064
24.86 USD
+0.02 (+0.1%)
Overall RCC gets a fundamental rating of 3 out of 10. We evaluated RCC against 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. The financial health of RCC is average, but there are quite some concerns on its profitability. While showing a medium growth rate, RCC is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
RCC had negative earnings in the past year.
In the past year RCC had a positive cash flow from operations.
RCC had positive earnings in 4 of the past 5 years.
RCC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
RCC's Return On Assets of -3.42% is on the low side compared to the rest of the industry. RCC is outperformed by 86.57% of its industry peers.
RCC's Return On Equity of -17.34% is on the low side compared to the rest of the industry. RCC is outperformed by 83.58% of its industry peers.
| 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%, RCC is doing worse than 80.60% of the companies in the same industry.
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 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
RCC does not have a ROIC to compare to the WACC, probably because it is not profitable.
RCC has less shares outstanding than it did 1 year ago.
The number of shares outstanding for RCC has been increased compared to 5 years ago.
Compared to 1 year ago, RCC has a worse debt to assets ratio.
2.2 Solvency
RCC has an Altman-Z score of 0.21. This is a bad value and indicates that RCC is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of RCC (0.21) is better than 80.60% of its industry peers.
RCC has a debt to FCF ratio of 25.14. This is a negative value and a sign of low solvency as RCC would need 25.14 years to pay back of all of its debts.
RCC has a Debt to FCF ratio of 25.14. This is amongst the best in the industry. RCC outperforms 86.57% of its industry peers.
RCC has a Debt/Equity ratio of 3.89. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of RCC (3.89) is better than 61.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Altman-Z | 0.21 |
ROIC/WACCN/A
WACC7.1%
2.3 Liquidity
RCC has a Current Ratio of 1.05. 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 Current ratio of 1.05. This is in the better half of the industry: RCC outperforms 70.15% of its industry peers.
RCC has a Quick Ratio of 1.05. This is a normal value and indicates that RCC is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of RCC (1.05) is better than 70.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.05 |
3. Growth
3.1 Past
The earnings per share for RCC have decreased strongly by -160.00% in the last year.
RCC 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, RCC shows a decrease in Revenue. The Revenue has decreased by -6.28% in the last year.
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)-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
The Earnings Per Share is expected to grow by 87.50% on average over the next years. This is a very strong growth
Based on estimates for the next years, RCC will show a quite strong growth in Revenue. The Revenue will grow by 14.20% on average per year.
EPS Next Y-755.08%
EPS Next 2Y33.1%
EPS Next 3Y87.5%
EPS Next 5YN/A
Revenue Next Year-25.18%
Revenue Next 2Y14.2%
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 accelerating.
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
RCC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 280.65, RCC can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RCC indicates a rather expensive valuation: RCC more expensive than 92.54% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of RCC to the average of the S&P500 Index (22.89), we can say RCC is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 280.65 |
4.2 Price Multiples
RCC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.39 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as RCC's earnings are expected to grow with 87.50% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.1%
EPS Next 3Y87.5%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.42%, RCC is a good candidate for dividend investing.
RCC's Dividend Yield is comparable with the industry average which is at 11.21.
RCC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.42% |
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
5.3 Sustainability
RCC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-52.39%
EPS Next 2Y33.1%
EPS Next 3Y87.5%
READY CAPITAL CORP - RC 5 3/4 02/15/26
NYSE:RCC (9/25/2025, 8:04:01 PM)
24.86
+0.02 (+0.1%)
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 Cap4.09B
Analysts47.5
Price Target26.58 (6.92%)
Short Float %0%
Short Ratio1.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.42% |
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-52.39%
Div Incr Years0
Div Non Decr Years3
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)-8.57%
PT rev (3m)-4.39%
EPS NQ rev (1m)-340.21%
EPS NQ rev (3m)-176.23%
EPS NY rev (1m)-1372%
EPS NY rev (3m)-246.77%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)-2.4%
Revenue NY rev (1m)-14.43%
Revenue NY rev (3m)-15.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 280.65 | ||
| P/S | 5.43 | ||
| P/FCF | 14.39 | ||
| P/OCF | 14.35 | ||
| P/B | 2.23 | ||
| P/tB | 2.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.54
EYN/A
EPS(NY)0.09
Fwd EY0.36%
FCF(TTM)1.73
FCFY6.95%
OCF(TTM)1.73
OCFY6.97%
SpS4.58
BVpS11.17
TBVpS10.64
PEG (NY)N/A
PEG (5Y)N/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
ROICexcg growth 3YN/A
ROICexcg 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 | 0.21 |
F-Score5
WACC7.1%
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-755.08%
EPS Next 2Y33.1%
EPS Next 3Y87.5%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.28%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-66.84%
Revenue Next Year-25.18%
Revenue Next 2Y14.2%
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