READY CAPITAL CORP - RC 9 12/15/29 (RCD) Fundamental Analysis & Valuation

NYSE:RCD • US75574U8383

Current stock price

19.4049 USD
+0.05 (+0.28%)
Last:

This RCD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. RCD Profitability Analysis

1.1 Basic Checks

  • RCD had negative earnings in the past year.
  • In the past year RCD had a positive cash flow from operations.
  • In multiple years RCD reported negative net income over the last 5 years.
  • RCD had a positive operating cash flow in 4 of the past 5 years.
RCD Yearly Net Income VS EBIT VS OCF VS FCFRCD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M

1.2 Ratios

  • With a Return On Assets value of -3.16%, RCD is not doing good in the industry: 91.18% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of -15.82%, RCD is doing worse than 92.65% of the companies in the same industry.
Industry RankSector Rank
ROA -3.16%
ROE -15.82%
ROIC N/A
ROA(3y)-1.68%
ROA(5y)-0.41%
ROE(3y)-9.23%
ROE(5y)-1.38%
ROIC(3y)N/A
ROIC(5y)N/A
RCD Yearly ROA, ROE, ROICRCD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • With a Gross Margin value of 7.91%, RCD is not doing good in the industry: 89.71% of the companies in the same industry are doing better.
  • In the last couple of years the Gross Margin of RCD has declined.
  • RCD does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 7.91%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-42.25%
GM growth 5Y-28.9%
RCD Yearly Profit, Operating, Gross MarginsRCD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

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3

2. RCD Health Analysis

2.1 Basic Checks

  • RCD does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • RCD has about the same amout of shares outstanding than it did 1 year ago.
  • RCD has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for RCD has remained at the same level compared to a year ago.
RCD Yearly Shares OutstandingRCD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
RCD Yearly Total Debt VS Total AssetsRCD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of -0.32, we must say that RCD is in the distress zone and has some risk of bankruptcy.
  • RCD has a Altman-Z score (-0.32) which is comparable to the rest of the industry.
  • RCD has a debt to FCF ratio of 12.88. This is a negative value and a sign of low solvency as RCD would need 12.88 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 12.88, RCD belongs to the best of the industry, outperforming 95.59% of the companies in the same industry.
  • A Debt/Equity ratio of 3.28 is on the high side and indicates that RCD has dependencies on debt financing.
  • RCD has a better Debt to Equity ratio (3.28) than 72.06% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.28
Debt/FCF 12.88
Altman-Z -0.32
ROIC/WACCN/A
WACC6.72%
RCD Yearly LT Debt VS Equity VS FCFRCD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B

2.3 Liquidity

  • A Current Ratio of 0.09 indicates that RCD may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.09, RCD is in line with its industry, outperforming 45.59% of the companies in the same industry.
  • A Quick Ratio of 0.09 indicates that RCD may have some problems paying its short term obligations.
  • RCD's Quick ratio of 0.09 is in line compared to the rest of the industry. RCD outperforms 45.59% of its industry peers.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
RCD Yearly Current Assets VS Current LiabilitesRCD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. RCD Growth Analysis

3.1 Past

  • RCD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -3300.00%.
  • RCD shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -22.43%.
  • Measured over the past years, RCD shows a small growth in Revenue. The Revenue has been growing by 2.92% on average per year.
EPS 1Y (TTM)-3300%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1333.33%
Revenue 1Y (TTM)-22.43%
Revenue growth 3Y-5.06%
Revenue growth 5Y2.92%
Sales Q2Q%-73.78%

3.2 Future

  • The Earnings Per Share is expected to grow by 34.98% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 36.50% on average over the next years. This is a very strong growth
EPS Next Y57.19%
EPS Next 2Y34.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.33%
Revenue Next 2Y36.5%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
RCD Yearly Revenue VS EstimatesRCD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
RCD Yearly EPS VS EstimatesRCD Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2

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2

4. RCD Valuation Analysis

4.1 Price/Earnings Ratio

  • RCD reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Also next year RCD is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
RCD Price Earnings VS Forward Price EarningsRCD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 60 80

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RCD is valued cheaply inside the industry as 86.76% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.88
EV/EBITDA N/A
RCD Per share dataRCD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • A more expensive valuation may be justified as RCD's earnings are expected to grow with 34.98% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y34.98%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. RCD Dividend Analysis

5.1 Amount

  • RCD has a Yearly Dividend Yield of 2.63%. Purely for dividend investing, there may be better candidates out there.
  • With a Dividend Yield of 2.63, RCD pays less dividend than the industry average, which is at 13.66. 95.59% of the companies listed in the same industry pay a better dividend than RCD!
  • RCD's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.63%

5.2 History

  • The dividend of RCD decreases each year by -8.49%.
  • RCD has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-8.49%
Div Incr Years0
Div Non Decr Years0
RCD Yearly Dividends per shareRCD Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • RCD has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-46.14%
EPS Next 2Y34.98%
EPS Next 3YN/A
RCD Yearly Income VS Free CF VS DividendRCD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M

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RCD Fundamentals: All Metrics, Ratios and Statistics

READY CAPITAL CORP - RC 9 12/15/29

NYSE:RCD (4/2/2026, 8:04:00 PM)

19.4049

+0.05 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners62.37%
Inst Owner Change0.01%
Ins Owners9.88%
Ins Owner ChangeN/A
Market Cap3.16B
Revenue(TTM)638.33M
Net Income(TTM)-245.58M
Analysts47.5
Price Target42.39 (118.45%)
Short Float %0%
Short Ratio0.33
Dividend
Industry RankSector Rank
Dividend Yield 2.63%
Yearly Dividend0.7
Dividend Growth(5Y)-8.49%
DP-46.14%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-439.01%
Min EPS beat(2)-686.74%
Max EPS beat(2)-191.27%
EPS beat(4)0
Avg EPS beat(4)-525.89%
Min EPS beat(4)-1051.17%
Max EPS beat(4)-174.36%
EPS beat(8)1
Avg EPS beat(8)-312.73%
EPS beat(12)1
Avg EPS beat(12)-215.36%
EPS beat(16)1
Avg EPS beat(16)-162.83%
Revenue beat(2)0
Avg Revenue beat(2)-43.24%
Min Revenue beat(2)-79.8%
Max Revenue beat(2)-6.67%
Revenue beat(4)0
Avg Revenue beat(4)-56.36%
Min Revenue beat(4)-79.8%
Max Revenue beat(4)-6.67%
Revenue beat(8)1
Avg Revenue beat(8)-32.27%
Revenue beat(12)5
Avg Revenue beat(12)51.74%
Revenue beat(16)9
Avg Revenue beat(16)70.98%
PT rev (1m)0%
PT rev (3m)18.84%
EPS NQ rev (1m)6.67%
EPS NQ rev (3m)-26%
EPS NY rev (1m)0%
EPS NY rev (3m)-40.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-66.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-67.19%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 4.95
P/FCF 6.88
P/OCF 6.84
P/B 2.04
P/tB 2.16
EV/EBITDA N/A
EPS(TTM)-1.6
EYN/A
EPS(NY)-0.68
Fwd EYN/A
FCF(TTM)2.82
FCFY14.54%
OCF(TTM)2.84
OCFY14.61%
SpS3.92
BVpS9.53
TBVpS8.99
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -3.16%
ROE -15.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 7.91%
FCFM 71.99%
ROA(3y)-1.68%
ROA(5y)-0.41%
ROE(3y)-9.23%
ROE(5y)-1.38%
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-42.25%
GM growth 5Y-28.9%
F-Score7
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 3.28
Debt/FCF 12.88
Debt/EBITDA N/A
Cap/Depr 84.14%
Cap/Sales 0.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z -0.32
F-Score7
WACC6.72%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.58%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3300%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1333.33%
EPS Next Y57.19%
EPS Next 2Y34.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-22.43%
Revenue growth 3Y-5.06%
Revenue growth 5Y2.92%
Sales Q2Q%-73.78%
Revenue Next Year11.33%
Revenue Next 2Y36.5%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y42.84%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y74.32%
FCF growth 3Y9.7%
FCF growth 5Y46.29%
OCF growth 1Y74.28%
OCF growth 3Y8.75%
OCF growth 5Y46.31%

READY CAPITAL CORP - RC 9 12/15/29 / RCD Fundamental Analysis FAQ

What is the fundamental rating for RCD stock?

ChartMill assigns a fundamental rating of 3 / 10 to RCD.


Can you provide the valuation status for READY CAPITAL CORP - RC 9 12/15/29?

ChartMill assigns a valuation rating of 2 / 10 to READY CAPITAL CORP - RC 9 12/15/29 (RCD). This can be considered as Overvalued.


Can you provide the profitability details for READY CAPITAL CORP - RC 9 12/15/29?

READY CAPITAL CORP - RC 9 12/15/29 (RCD) has a profitability rating of 1 / 10.


What is the financial health of READY CAPITAL CORP - RC 9 12/15/29 (RCD) stock?

The financial health rating of READY CAPITAL CORP - RC 9 12/15/29 (RCD) is 3 / 10.