READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) Stock Fundamental Analysis
USA - NYSE:RCC - US75574U6064
24.81 USD
+0.14 (+0.57%)
RCC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 66 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 is valied quite expensively at the moment, while it does show a decent growth rate.
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
RCC has a Return On Assets of -3.42%. This is amonst the worse of the industry: RCC underperforms 87.88% of its industry peers.
The Return On Equity of RCC (-17.34%) is worse than 84.85% 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
RCC has a Gross Margin of 8.53%. This is amonst the worse of the industry: RCC underperforms 81.82% 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 | 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
Based on the Altman-Z score of 0.21, we must say that RCC is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.21, RCC belongs to the top of the industry, outperforming 81.82% of the companies in the same industry.
The Debt to FCF ratio of RCC is 25.14, which is on the high side as it means it would take RCC, 25.14 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 25.14, RCC belongs to the top of the industry, outperforming 86.36% of the companies in the same industry.
RCC has a Debt/Equity ratio of 3.89. This is a high value indicating a heavy dependency on external financing.
RCC's Debt to Equity ratio of 3.89 is fine compared to the rest of the industry. RCC outperforms 62.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Altman-Z | 0.21 |
ROIC/WACCN/A
WACC6.99%
2.3 Liquidity
A Current Ratio of 1.05 indicates that RCC should not have too much problems paying its short term obligations.
The Current ratio of RCC (1.05) is better than 71.21% of its industry peers.
A Quick Ratio of 1.05 indicates that RCC should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.05, RCC is doing good in the industry, outperforming 71.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.05 |
3. Growth
3.1 Past
RCC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -160.00%.
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 -6.28%.
RCC 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
RCC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 87.50% yearly.
RCC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.94% yearly.
EPS Next Y-755.08%
EPS Next 2Y33.1%
EPS Next 3Y87.5%
EPS Next 5YN/A
Revenue Next Year-52.85%
Revenue Next 2Y12.94%
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
The Price/Earnings Ratio is negative for RCC. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 280.09, the valuation of RCC can be described as expensive.
RCC's Price/Forward Earnings ratio is rather expensive when compared to the industry. RCC is more expensive than 93.94% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of RCC to the average of the S&P500 Index (22.94), we can say RCC is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 280.09 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RCC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.36 | ||
| 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
RCC has a Yearly Dividend Yield of 15.24%, which is a nice return.
RCC's Dividend Yield is rather good when compared to the industry average which is at 13.08. RCC pays more dividend than 84.85% of the companies in the same industry.
RCC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.24% |
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 (10/20/2025, 12:22:51 PM)
24.81
+0.14 (+0.57%)
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 Cap4.08B
Analysts47.5
Price Target26.58 (7.13%)
Short Float %0%
Short Ratio1.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.24% |
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)0%
PT rev (3m)-12.87%
EPS NQ rev (1m)-42.03%
EPS NQ rev (3m)-224.92%
EPS NY rev (1m)-1372%
EPS NY rev (3m)-246.77%
Revenue NQ rev (1m)-5.76%
Revenue NQ rev (3m)-12.46%
Revenue NY rev (1m)-36.98%
Revenue NY rev (3m)-46.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 280.09 | ||
| P/S | 5.42 | ||
| P/FCF | 14.36 | ||
| P/OCF | 14.32 | ||
| P/B | 2.22 | ||
| P/tB | 2.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.54
EYN/A
EPS(NY)0.09
Fwd EY0.36%
FCF(TTM)1.73
FCFY6.97%
OCF(TTM)1.73
OCFY6.98%
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
WACC6.99%
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-52.85%
Revenue Next 2Y12.94%
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