READY CAPITAL CORP - RC 9 12/15/29 (RCD) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:RCD • US75574U8383
21 USD
-0.06 (-0.28%)
Last: Feb 2, 2026, 02:57 PM
Overall RCD gets a fundamental rating of 3 out of 10. We evaluated RCD against 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While RCD seems to be doing ok healthwise, there are quite some concerns on its profitability. RCD is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- RCD had negative earnings in the past year.
- RCD had a positive operating cash flow in the past year.
- Of the past 5 years RCD 4 years were profitable.
- Of the past 5 years RCD 4 years had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of -3.93%, RCD is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
- RCD's Return On Equity of -18.38% is on the low side compared to the rest of the industry. RCD is outperformed by 87.14% of its industry peers.
| 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%, RCD is not doing good in the industry: 74.29% of the companies in the same industry are doing better.
- RCD's Gross Margin has declined in the last couple of years.
- RCD 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
- 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
- Compared to 1 year ago, RCD has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.21, we must say that RCD is in the distress zone and has some risk of bankruptcy.
- RCD has a Altman-Z score of 0.21. This is in the better half of the industry: RCD outperforms 80.00% of its industry peers.
- RCD has a debt to FCF ratio of 12.72. This is a negative value and a sign of low solvency as RCD would need 12.72 years to pay back of all of its debts.
- RCD has a Debt to FCF ratio of 12.72. This is amongst the best in the industry. RCD outperforms 94.29% of its industry peers.
- RCD has a Debt/Equity ratio of 3.49. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 3.49, RCD is in the better half of the industry, outperforming 68.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.49 | ||
| Debt/FCF | 12.72 | ||
| Altman-Z | 0.21 |
ROIC/WACCN/A
WACC7.07%
2.3 Liquidity
- RCD has a Current Ratio of 1.03. This is a normal value and indicates that RCD is financially healthy and should not expect problems in meeting its short term obligations.
- With a decent Current ratio value of 1.03, RCD is doing good in the industry, outperforming 78.57% of the companies in the same industry.
- A Quick Ratio of 1.03 indicates that RCD should not have too much problems paying its short term obligations.
- RCD's Quick ratio of 1.03 is fine compared to the rest of the industry. RCD outperforms 78.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
- The earnings per share for RCD have decreased strongly by -452.94% in the last year.
- RCD shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.62% yearly.
- RCD shows a decrease in Revenue. In the last year, the revenue decreased by -8.20%.
- 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)-8.2%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
3.2 Future
- RCD is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -47.91% yearly.
- RCD is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -19.66% yearly.
EPS Next Y-2151.76%
EPS Next 2Y-255.09%
EPS Next 3Y-47.91%
EPS Next 5YN/A
Revenue Next Year-72.17%
Revenue Next 2Y-44.33%
Revenue Next 3Y-19.66%
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 stable.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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
- 88.57% 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 | 6.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as RCD's earnings are expected to decrease with -47.91% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-255.09%
EPS Next 3Y-47.91%
5. Dividend
5.1 Amount
- RCD has a Yearly Dividend Yield of 1.81%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 11.00, RCD's dividend is way lower than its industry peers. On top of this 95.71% of the companies listed in the same industry pay a better dividend than RCD!
- Compared to an average S&P500 Dividend Yield of 1.83, RCD has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.81% |
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-41.28%
EPS Next 2Y-255.09%
EPS Next 3Y-47.91%
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.
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.
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 -2151.76% in the next year.
Can you provide the dividend sustainability for RCD stock?
The dividend rating of READY CAPITAL CORP - RC 9 12/15/29 (RCD) is 2 / 10 and the dividend payout ratio is -41.28%.