READY CAPITAL CORP - RC 9 12/15/29 (RCD) Stock Fundamental Analysis
USA - NYSE:RCD - US75574U8383
23.75 USD
-0.07 (-0.31%)
RCD 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. RCD scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. RCD is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year RCD has reported negative net income.
In the past year RCD had a positive cash flow from operations.
RCD had positive earnings in 4 of the past 5 years.
Of the past 5 years RCD 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of -3.42%, RCD is doing worse than 85.29% of the companies in the same industry.
With a Return On Equity value of -17.34%, RCD 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
RCD's Gross Margin of 8.53% is on the low side compared to the rest of the industry. RCD is outperformed by 82.35% of its industry peers.
RCD's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for RCD 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
RCD does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RCD has been reduced compared to 1 year ago.
Compared to 5 years ago, RCD has more shares outstanding
The debt/assets ratio for RCD is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.19, we must say that RCD is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.19, RCD is in the better half of the industry, outperforming 79.41% of the companies in the same industry.
The Debt to FCF ratio of RCD is 25.14, which is on the high side as it means it would take RCD, 25.14 years of fcf income to pay off all of its debts.
RCD has a Debt to FCF ratio of 25.14. This is amongst the best in the industry. RCD outperforms 92.65% of its industry peers.
A Debt/Equity ratio of 3.89 is on the high side and indicates that RCD has dependencies on debt financing.
With a decent Debt to Equity ratio value of 3.89, RCD is doing good in the industry, outperforming 64.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Altman-Z | 0.19 |
ROIC/WACCN/A
WACC7.02%
2.3 Liquidity
RCD has a Current Ratio of 1.05. This is a normal value and indicates that RCD is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of RCD (1.05) is better than 73.53% of its industry peers.
A Quick Ratio of 1.05 indicates that RCD should not have too much problems paying its short term obligations.
RCD has a better Quick ratio (1.05) than 73.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.05 |
3. Growth
3.1 Past
RCD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -452.94%.
Measured over the past years, RCD shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.62% on average per year.
The Revenue for RCD has decreased by -21.55% in the past year. This is quite bad
RCD 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)-21.55%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
3.2 Future
The Earnings Per Share is expected to decrease by -112.69% on average over the next years. This is quite bad
Based on estimates for the next years, RCD will show a quite strong growth in Revenue. The Revenue will grow by 12.88% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for RCD. In the last year negative earnings were reported.
Also next year RCD 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
66.18% of the companies in the same industry are more expensive than RCD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.74 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as RCD's earnings are expected to decrease with -112.69% in the coming years.
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 9.44%, RCD is a good candidate for dividend investing.
RCD's Dividend Yield is rather good when compared to the industry average which is at 12.21. RCD pays more dividend than 92.65% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, RCD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.44% |
5.2 History
The dividend of RCD decreases each year by -4.21%.
RCD has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-4.21%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
The earnings of RCD are negative and hence is the payout ratio. RCD will probably not be able to sustain this dividend level.
RCD'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 9 12/15/29
NYSE:RCD (11/14/2025, 8:20:47 PM)
23.75
-0.07 (-0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners68.01%
Inst Owner Change-1.46%
Ins Owners8.2%
Ins Owner ChangeN/A
Market Cap3.90B
Revenue(TTM)822.90M
Net Income(TTM)-318.36M
Analysts46.67
Price Target36.35 (53.05%)
Short Float %0%
Short Ratio0.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.44% |
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-52.39%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)3
Avg Revenue beat(8)40.56%
Revenue beat(12)7
Avg Revenue beat(12)87.07%
Revenue beat(16)11
Avg Revenue beat(16)99.7%
PT rev (1m)30.73%
PT rev (3m)12.42%
EPS NQ rev (1m)10.77%
EPS NQ rev (3m)-228.89%
EPS NY rev (1m)8.81%
EPS NY rev (3m)-233.84%
Revenue NQ rev (1m)24.38%
Revenue NQ rev (3m)-20.26%
Revenue NY rev (1m)11.71%
Revenue NY rev (3m)-40.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 5.19 | ||
| P/FCF | 13.74 | ||
| P/OCF | 13.71 | ||
| P/B | 2.13 | ||
| P/tB | 2.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.08
Fwd EYN/A
FCF(TTM)1.73
FCFY7.28%
OCF(TTM)1.73
OCFY7.29%
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 | 0.19 |
F-Score5
WACC7.02%
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-697.4%
EPS Next 2Y-91%
EPS Next 3Y-112.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-21.55%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
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 9 12/15/29 / RCD FAQ
What is the fundamental rating for RCD stock?
ChartMill assigns a fundamental rating of 3 / 10 to RCD.
What is the valuation status for RCD stock?
ChartMill assigns a valuation rating of 1 / 10 to READY CAPITAL CORP - RC 9 12/15/29 (RCD). This can be considered as Overvalued.
How profitable is READY CAPITAL CORP - RC 9 12/15/29 (RCD) stock?
READY CAPITAL CORP - RC 9 12/15/29 (RCD) has a profitability rating of 1 / 10.
What is the earnings growth outlook for READY CAPITAL CORP - RC 9 12/15/29?
The Earnings per Share (EPS) of READY CAPITAL CORP - RC 9 12/15/29 (RCD) is expected to decline by -697.4% in the next year.