READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RCC - US75574U6064
25.2 USD
+0.09 (+0.36%)
Overall RCC gets a fundamental rating of 3 out of 10. We evaluated RCC against 68 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. RCC has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
RCC had negative earnings in the past year.
RCC had a positive operating cash flow in the past year.
Of the past 5 years RCC 4 years were profitable.
RCC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of -3.93%, RCC is not doing good in the industry: 88.24% of the companies in the same industry are doing better.
RCC has a worse Return On Equity (-18.38%) than 89.71% of its industry peers.
| 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
RCC has a worse Gross Margin (17.50%) than 77.94% of its industry peers.
RCC's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for RCC so they could not be analyzed.
| 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
RCC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RCC has less shares outstanding
RCC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for RCC is higher compared to a year ago.
2.2 Solvency
RCC has an Altman-Z score of 0.27. This is a bad value and indicates that RCC is not financially healthy and even has some risk of bankruptcy.
RCC has a Altman-Z score of 0.27. This is amongst the best in the industry. RCC outperforms 85.29% of its industry peers.
RCC has a debt to FCF ratio of 12.72. This is a negative value and a sign of low solvency as RCC would need 12.72 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 12.72, RCC belongs to the best of the industry, outperforming 91.18% of the companies in the same industry.
RCC has a Debt/Equity ratio of 3.49. This is a high value indicating a heavy dependency on external financing.
With a decent Debt to Equity ratio value of 3.49, RCC is doing good in the industry, outperforming 64.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.49 | ||
| Debt/FCF | 12.72 | ||
| Altman-Z | 0.27 |
ROIC/WACCN/A
WACC7.01%
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.
The Current ratio of RCC (1.03) is better than 75.00% of its industry peers.
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's Quick ratio of 1.03 is fine compared to the rest of the industry. RCC outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
The earnings per share for RCC have decreased strongly by -452.94% in the last year.
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%.
RCC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.46% yearly.
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
RCC is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -47.91% yearly.
RCC 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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for RCC. In the last year negative earnings were reported.
Also next year RCC is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
80.88% of the companies in the same industry are more expensive than RCC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.34 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as RCC's earnings are expected to decrease with -47.91% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-242.79%
EPS Next 3Y-47.91%
5. Dividend
5.1 Amount
RCC has a Yearly Dividend Yield of 1.94%.
With a Dividend Yield of 1.94, RCC pays less dividend than the industry average, which is at 10.90. 92.65% of the companies listed in the same industry pay a better dividend than RCC!
RCC's Dividend Yield is comparable with the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.94% |
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
The earnings of RCC are negative and hence is the payout ratio. RCC will probably not be able to sustain this dividend level.
RCC'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 5 3/4 02/15/26
NYSE:RCC (1/12/2026, 8:26:32 PM)
25.2
+0.09 (+0.36%)
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 Cap4.09B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts47.5
Price Target42.03 (66.79%)
Short Float %0%
Short Ratio0.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.94% |
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-41.28%
Div Incr Years0
Div Non Decr Years3
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)17.68%
PT rev (3m)58.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1508.64%
EPS NY rev (1m)0%
EPS NY rev (3m)-187.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-18.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)50.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 5.3 | ||
| P/FCF | 8.34 | ||
| P/OCF | 8.32 | ||
| P/B | 2.29 | ||
| P/tB | 2.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.49
Fwd EYN/A
FCF(TTM)3.02
FCFY11.99%
OCF(TTM)3.03
OCFY12.01%
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 | 0.27 |
F-Score6
WACC7.01%
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 5 3/4 02/15/26 / RCC 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.
What is the valuation status for RCC stock?
ChartMill assigns a valuation rating of 2 / 10 to READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC). This can be considered as Overvalued.
Can you provide the profitability details for READY CAPITAL CORP - RC 5 3/4 02/15/26?
READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) has a profitability rating of 1 / 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 2 / 10 and the dividend payout ratio is -41.28%.