READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) Stock Fundamental Analysis
USA - NYSE:RCC - US75574U6064
24.89 USD
+0.2 (+0.81%)
RCC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While RCC seems to be doing ok healthwise, 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
In the past year RCC has reported negative net income.
RCC had a positive operating cash flow in the past year.
Of the past 5 years RCC 4 years were profitable.
Of the past 5 years RCC 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of -3.42%, RCC is doing worse than 88.24% of the companies in the same industry.
With a Return On Equity value of -17.34%, RCC is not doing good in the industry: 85.29% of the companies in the same industry are doing better.
| 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
The Gross Margin of RCC (8.53%) is worse than 82.35% of its industry peers.
RCC's Gross Margin has declined in the last couple of years.
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.
Compared to 1 year ago, RCC has less shares outstanding
Compared to 5 years ago, RCC has more shares outstanding
The debt/assets ratio for RCC is higher compared to a year ago.
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.
The Altman-Z score of RCC (0.21) is better than 82.35% of its industry peers.
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.
RCC has a better Debt to FCF ratio (25.14) than 86.76% 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.
With a decent Debt to Equity ratio value of 3.89, RCC is doing good in the industry, outperforming 61.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Altman-Z | 0.21 |
ROIC/WACCN/A
WACC7%
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 72.06% 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.
Looking at the Quick ratio, with a value of 1.05, RCC is in the better half of the industry, outperforming 72.06% 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%.
RCC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.62% yearly.
RCC shows a decrease in Revenue. In the last year, the revenue decreased by -6.28%.
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
Based on estimates for the next years, RCC will show a very negative growth in Earnings Per Share. The EPS will decrease by -112.69% on average per year.
The Revenue is expected to grow by 12.88% on average over the next years. This is quite good.
EPS Next Y-697.4%
EPS Next 2Y-91%
EPS Next 3Y-112.69%
EPS Next 5YN/A
Revenue Next Year-47.33%
Revenue Next 2Y12.88%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for RCC. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
60.29% 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 | 14.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RCC's earnings are expected to decrease with -112.69% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-91%
EPS Next 3Y-112.69%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 16.23%, RCC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 12.65, RCC pays a better dividend. On top of this RCC pays more dividend than 91.18% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.30, RCC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.23% |
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.
RCC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-52.39%
EPS Next 2Y-91%
EPS Next 3Y-112.69%
READY CAPITAL CORP - RC 5 3/4 02/15/26
NYSE:RCC (10/28/2025, 8:18:30 PM)
24.89
+0.2 (+0.81%)
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
Revenue(TTM)752.30M
Net Income(TTM)-318363000
Analysts47.5
Price Target26.58 (6.79%)
Short Float %0%
Short Ratio1.49
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.23% |
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)-228.89%
EPS NY rev (1m)8.81%
EPS NY rev (3m)-233.84%
Revenue NQ rev (1m)-5.74%
Revenue NQ rev (3m)-11.21%
Revenue NY rev (1m)-29.6%
Revenue NY rev (3m)-40.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 5.44 | ||
| P/FCF | 14.4 | ||
| P/OCF | 14.37 | ||
| P/B | 2.23 | ||
| P/tB | 2.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.54
EYN/A
EPS(NY)-0.08
Fwd EYN/A
FCF(TTM)1.73
FCFY6.94%
OCF(TTM)1.73
OCFY6.96%
SpS4.58
BVpS11.17
TBVpS10.64
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/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
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-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%
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-697.4%
EPS Next 2Y-91%
EPS Next 3Y-112.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.28%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-66.84%
Revenue Next Year-47.33%
Revenue Next 2Y12.88%
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
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 of READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) stock?
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.
What is the profitability of RCC stock?
READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) has a profitability rating of 1 / 10.
What is the expected EPS growth for READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) stock?
The Earnings per Share (EPS) of READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) is expected to decline by -697.4% in the next year.