READY CAPITAL CORP - RC 5 3/4 02/15/26 (RCC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RCC - US75574U6064
25.05 USD
0 (0%)
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. While RCC seems to be doing ok healthwise, there are quite some concerns on its profitability. RCC is valued expensive and it does not seem to be growing.
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
RCC's Return On Assets of -3.93% is on the low side compared to the rest of the industry. RCC is outperformed by 88.24% of its industry peers.
With a Return On Equity value of -18.38%, RCC is not doing good in the industry: 89.71% of the companies in the same industry are doing better.
| 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
With a Gross Margin value of 17.50%, RCC is not doing good in the industry: 77.94% of the companies in the same industry are doing better.
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 | 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.
The number of shares outstanding for RCC has been reduced compared to 1 year ago.
RCC has more shares outstanding than it did 5 years ago.
RCC has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.26, 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 0.26, RCC belongs to the top of the industry, outperforming 85.29% of the companies in the same industry.
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's Debt to FCF ratio of 12.72 is amongst the best of the industry. RCC outperforms 91.18% 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's Debt to Equity ratio of 3.49 is fine compared to the rest of the industry. RCC outperforms 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.49 | ||
| Debt/FCF | 12.72 | ||
| Altman-Z | 0.26 |
ROIC/WACCN/A
WACC6.99%
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 75.00% of the companies in the same industry.
A Quick Ratio of 1.03 indicates that RCC should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.03, RCC is doing good in the industry, outperforming 75.00% of the companies in the same industry.
| 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.
The earnings per share for RCC have been decreasing by -49.62% on average. This is quite bad
The Revenue has decreased by -8.20% in the past year.
The Revenue has been growing by 20.46% on average over the past years. This is a very strong growth!
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 -47.91% on average per year.
Based on estimates for the next years, RCC will show a small growth in Revenue. The Revenue will grow by 4.19% on average per year.
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.
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
Based on the Price/Free Cash Flow ratio, RCC is valued cheaply inside the industry as 80.88% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.29 | ||
| 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
With a Yearly Dividend Yield of 10.60%, RCC is a good candidate for dividend investing.
RCC's Dividend Yield is comparable with the industry average which is at 10.99.
RCC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.6% |
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-41.28%
EPS Next 2Y-242.79%
EPS Next 3Y-47.91%
READY CAPITAL CORP - RC 5 3/4 02/15/26
NYSE:RCC (12/31/2025, 8:26:19 PM)
25.05
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners63.07%
Inst Owner ChangeN/A
Ins Owners9.93%
Ins Owner ChangeN/A
Market Cap4.06B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts46.67
Price Target42.03 (67.78%)
Short Float %0%
Short Ratio0.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.6% |
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)13.22%
PT rev (3m)58.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-636%
EPS NY rev (1m)-215.52%
EPS NY rev (3m)-187.74%
Revenue NQ rev (1m)-21.55%
Revenue NQ rev (3m)-33.16%
Revenue NY rev (1m)34.89%
Revenue NY rev (3m)-5.04%
Valuation
| Industry Rank | Sector 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)-0.49
Fwd EYN/A
FCF(TTM)3.02
FCFY12.06%
OCF(TTM)3.03
OCFY12.08%
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 | 0.26 |
F-Score6
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)-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 4 / 10 and the dividend payout ratio is -41.28%.