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

NYSE:RCD • US75574U8383

21.7 USD
+0.17 (+0.79%)
Last: Mar 4, 2026, 08:04 PM
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This RCD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Taking everything into account, RCD scores 3 out of 10 in our fundamental rating. RCD was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. The financial health of RCD is average, but there are quite some concerns on its profitability. RCD has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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.
  • 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.
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 0 200M -200M -400M

1.2 Ratios

  • With a Return On Assets value of -3.93%, RCD is not doing good in the industry: 88.24% of the companies in the same industry are doing better.
  • RCD has a Return On Equity of -18.38%. This is amonst the worse of the industry: RCD underperforms 88.24% of its industry peers.
Industry RankSector 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
RCD Yearly ROA, ROE, ROICRCD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • The Gross Margin of RCD (17.50%) is worse than 73.53% 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 RankSector 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%
RCD Yearly Profit, Operating, Gross MarginsRCD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

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 less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, RCD has more shares outstanding
  • RCD has a worse debt/assets ratio than last year.
RCD Yearly Shares OutstandingRCD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B 10B

2.2 Solvency

  • RCD has an Altman-Z score of 0.21. This is a bad value and indicates that RCD is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.21, RCD belongs to the top of the industry, outperforming 85.29% of the companies in the same industry.
  • The Debt to FCF ratio of RCD is 12.72, which is on the high side as it means it would take RCD, 12.72 years of fcf income to pay off all of its debts.
  • RCD's Debt to FCF ratio of 12.72 is amongst the best of the industry. RCD outperforms 95.59% 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.
  • RCD has a better Debt to Equity ratio (3.49) than 69.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.49
Debt/FCF 12.72
Altman-Z 0.21
ROIC/WACCN/A
WACC6.89%
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 0 2B 4B 6B 8B

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 79.41% 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 has a Quick ratio of 1.03. This is in the better half of the industry: RCD outperforms 79.41% of its industry peers.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
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 200M 400M 600M 800M 1B

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

3

3. RCD Growth Analysis

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

  • The Earnings Per Share is expected to decrease by -47.12% on average over the next years. This is quite bad
  • The Revenue is expected to decrease by -19.66% on average over the next years. This is quite bad
EPS Next Y-2151.76%
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%
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.
  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

2

4. RCD Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for RCD. In the last year negative earnings were reported.
  • Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for RCD. No positive earnings are expected for the next year.
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

4.2 Price Multiples

  • 88.24% of the companies in the same industry are more expensive than RCD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.18
EV/EBITDA N/A
RCD Per share dataRCD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

  • A cheap valuation may be justified as RCD's earnings are expected to decrease with -47.12% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%

More info and screens

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

4

5. RCD Dividend Analysis

5.1 Amount

  • RCD has a Yearly Dividend Yield of 10.36%, which is a nice return.
  • Compared to an average industry Dividend Yield of 11.29, RCD is paying slightly less dividend.
  • RCD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 10.36%

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
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

  • The earnings of RCD are negative and hence is the payout ratio. RCD will probably not be able to sustain this dividend level.
  • The Dividend Rate of RCD has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP-41.28%
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%
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 0 200M -200M -400M

More info and screens

Find the best dividend stocksShow peers with best dividend

RCD Fundamentals: All Metrics, Ratios and Statistics

READY CAPITAL CORP - RC 9 12/15/29

NYSE:RCD (3/4/2026, 8:04:00 PM)

21.7

+0.17 (+0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06
Earnings (Next)03-26
Inst Owners62.67%
Inst Owner Change-3.88%
Ins Owners9.93%
Ins Owner ChangeN/A
Market Cap3.52B
Revenue(TTM)770.37M
Net Income(TTM)-327.77M
Analysts47.5
Price Target42.39 (95.35%)
Short Float %0%
Short Ratio0.22
Dividend
Industry RankSector Rank
Dividend Yield 10.36%
Yearly Dividend1.23
Dividend Growth(5Y)-4.21%
DP-41.28%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)2
Avg Revenue beat(8)4.82%
Revenue beat(12)6
Avg Revenue beat(12)67.43%
Revenue beat(16)10
Avg Revenue beat(16)81.02%
PT rev (1m)21.59%
PT rev (3m)19.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-243.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-73.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-47.15%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 4.57
P/FCF 7.18
P/OCF 7.17
P/B 1.97
P/tB 2.08
EV/EBITDA N/A
EPS(TTM)-1.2
EYN/A
EPS(NY)-0.53
Fwd EYN/A
FCF(TTM)3.02
FCFY13.92%
OCF(TTM)3.03
OCFY13.95%
SpS4.75
BVpS11
TBVpS10.45
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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 0.21
F-Score6
WACC6.89%
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-2151.76%
EPS Next 2Y-254.37%
EPS Next 3Y-47.12%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.2%
Revenue growth 3Y14.39%
Revenue growth 5Y20.46%
Sales Q2Q%-79.36%
Revenue Next Year-72.17%
Revenue Next 2Y-44.33%
Revenue Next 3Y-19.66%
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 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 4 / 10 and the dividend payout ratio is -41.28%.