READY CAPITAL CORP - RC 9 12/15/29 (RCD) Stock Fundamental Analysis
USA - NYSE:RCD - US75574U8383
23.96 USD
-0.08 (-0.33%)
Taking everything into account, RCD scores 4 out of 10 in our fundamental rating. RCD was compared to 67 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
RCD had negative earnings in the past year.
In the past year RCD had a positive cash flow from operations.
Of the past 5 years RCD 4 years were profitable.
RCD had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -3.42%, RCD is doing worse than 83.58% of the companies in the same industry.
RCD's Return On Equity of -17.34% is on the low side compared to the rest of the industry. RCD is outperformed by 80.60% of its industry peers.
| 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 has a Gross Margin of 8.53%. This is in the lower half of the industry: RCD underperforms 77.61% of its industry peers.
In the last couple of years the Gross Margin of RCD has declined.
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.
Compared to 1 year ago, RCD has less shares outstanding
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
RCD has an Altman-Z score of 0.20. This is a bad value and indicates that RCD is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of RCD (0.20) is better than 76.12% of its industry peers.
RCD has a debt to FCF ratio of 25.14. This is a negative value and a sign of low solvency as RCD would need 25.14 years to pay back of all of its debts.
RCD has a better Debt to FCF ratio (25.14) than 89.55% 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.
The Debt to Equity ratio of RCD (3.89) is better than 64.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 25.14 | ||
| Altman-Z | 0.2 |
ROIC/WACCN/A
WACC7.17%
2.3 Liquidity
A Current Ratio of 1.05 indicates that RCD should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.05, RCD is in the better half of the industry, outperforming 73.13% of the companies in the same industry.
RCD has a Quick 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.
Looking at the Quick ratio, with a value of 1.05, RCD is in the better half of the industry, outperforming 73.13% of the companies in the same industry.
| 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 -160.00%.
The earnings per share for RCD have been decreasing by -49.62% on average. This is quite bad
Looking at the last year, RCD shows a decrease in Revenue. The Revenue has decreased by -6.28% in the last year.
Measured over the past years, RCD 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
The Earnings Per Share is expected to grow by 111.61% on average over the next years. This is a very strong growth
RCD is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.86% yearly.
EPS Next Y-48.5%
EPS Next 2Y102.98%
EPS Next 3Y111.61%
EPS Next 5YN/A
Revenue Next Year-12.57%
Revenue Next 2Y15.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
RCD reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 116.31, which means the current valuation is very expensive for RCD.
Based on the Price/Forward Earnings ratio, RCD is valued expensively inside the industry as 85.07% of the companies are valued cheaper.
RCD is valuated expensively when we compare the Price/Forward Earnings ratio to 22.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 116.31 |
4.2 Price Multiples
RCD's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RCD is cheaper than 62.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as RCD's earnings are expected to grow with 111.61% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y102.98%
EPS Next 3Y111.61%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 11.74%, RCD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 11.13, RCD pays a bit more dividend than its industry peers.
RCD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.74% |
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.
DP-52.39%
EPS Next 2Y102.98%
EPS Next 3Y111.61%
READY CAPITAL CORP - RC 9 12/15/29
NYSE:RCD (9/12/2025, 8:11:53 PM)
23.96
-0.08 (-0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners64.08%
Inst Owner Change-11.22%
Ins Owners1.09%
Ins Owner ChangeN/A
Market Cap3.94B
Analysts47.5
Price Target28.41 (18.57%)
Short Float %0%
Short Ratio0.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.74% |
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)-4.2%
PT rev (3m)7.62%
EPS NQ rev (1m)-62.22%
EPS NQ rev (3m)-85.53%
EPS NY rev (1m)-88.46%
EPS NY rev (3m)-95.7%
Revenue NQ rev (1m)-15.74%
Revenue NQ rev (3m)-13.45%
Revenue NY rev (1m)-0.8%
Revenue NY rev (3m)-1.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 116.31 | ||
| P/S | 5.23 | ||
| P/FCF | 13.87 | ||
| P/OCF | 13.83 | ||
| P/B | 2.15 | ||
| P/tB | 2.25 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.54
EYN/A
EPS(NY)0.21
Fwd EY0.86%
FCF(TTM)1.73
FCFY7.21%
OCF(TTM)1.73
OCFY7.23%
SpS4.58
BVpS11.17
TBVpS10.64
PEG (NY)N/A
PEG (5Y)N/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
ROICexcg growth 3YN/A
ROICexcg 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 | 0.2 |
F-Score5
WACC7.17%
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-48.5%
EPS Next 2Y102.98%
EPS Next 3Y111.61%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.28%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-66.84%
Revenue Next Year-12.57%
Revenue Next 2Y15.86%
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