RC

BEARISH

$1.94 Live

Ready Capital Corporation · NYSE

Target $1.8 (-7.2%)

$1.5 52W Range $4.75

RC Ready Capital Corporation - Fundamental Analysis

BEARISH

Console Chart News

RC Stock | Fundamental Analysis & Investment Insights

NYSE • Real Estate • REIT - Mortgage

Current Price Live

$1.94

Analyst Target

$1.8

-7.2% Downside

52W High

$4.75

52W Low

$1.5

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 02, 2026

Market cap

$317.15M

P/E

N/A

ROE

-12.0%

Profit margin

N/A

Debt/Equity

3.61

Dividend yield

2.06%

AI Analysis

AI-powered fundamental assessment

Confidence

95%

Ready Capital Corporation exhibits severe financial distress, highlighted by a weak Piotroski F-Score of 2/9 and a total absence of positive earnings momentum. The company is experiencing a catastrophic collapse in fundamentals, with Q/Q revenue growth plummeting by 77.84% and a YoY EPS decline of 1333.3%. While the Price-to-Book ratio of 0.22 suggests deep value, it more likely reflects the market pricing in significant asset impairments and insolvency risks. The consistent failure to meet earnings estimates (0/4 beats in the last year) combined with a bearish technical trend confirms a high-risk profile.

Key Strengths

Extremely low Price-to-Book ratio (0.22) indicating potential deep value if assets are recovered

Strong current ratio (7.52) and quick ratio (6.02) suggesting short-term liquidity

Recent short-term price recovery (+23.6% in 1 month)

Moderate insider sentiment score (60/100)

Low entry price relative to historical 52-week highs

Key Risks

Severe earnings deterioration with an average surprise of -247.66% over the last 4 quarters

Catastrophic Q/Q revenue decline of 77.84%

High leverage with a Debt/Equity ratio of 3.61 in a high-interest-rate environment

Unsustainable dividend payout ratio of 91.28% against negative earnings

Consistent negative ROE (-12.01%) and ROA (-2.41%)

AI Fair Value Estimate

Based on comprehensive analysis

$1.8

-7.2% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

Distressed / Value Trap

Key drivers: Negative earnings growth, Piotroski F-Score of 2/9, Revenue collapse, High debt load

Confidence

90%

Value

30/100

Trades far below book value, but negative earnings make traditional valuation metrics like P/E irrelevant.

Positives

P/B ratio of 0.22 is exceptionally low

Watchpoints

Negative Forward P/E
Negative Price/Sales
High PEG ratio (2.74)

Future

5/100

Growth metrics are in a state of freefall.

Positives

Recent 1-month price bounce

Watchpoints

Q/Q Revenue growth -77.84%
YoY EPS growth -1333.3%
Consistent earnings misses

Past

10/100

Long-term trend is aggressively bearish.

Positives

Historical periods of profitability prior to 2024

Watchpoints

5-year price change of -75.8%
1-year price change of -53.5%

Health

20/100

Liquidity ratios are high, but operational health is failing.

Positives

High current and quick ratios

Watchpoints

Piotroski F-Score 2/9 (Weak)
Debt/Equity 3.61
Negative ROE

Dividend

15/100

Dividend is highly precarious and likely to be cut.

Positives

Current yield of 2.06%

Watchpoints

Payout ratio 91.28%
Dividends not supported by earnings

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$1.94

Analyst Target

$1.8

Upside/Downside

-7.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for RC and closest competitors.

Updated 2026-05-01

Company	5Y	3Y	1Y	6M	1M	1W
RC Ready Capital Corporation Primary	-75.8%	-73.5%	-53.5%	-33.1%	+23.6%	+4.3%
NREF NexPoint Real Estate Finance, Inc. Peer	+30.1%	+52.9%	+12.8%	+15.1%	+7.0%	+3.1%
MLP Maui Land & Pineapple Company, Inc. Peer	+34.9%	+21.8%	-4.9%	+2.8%	-0.1%	-1.8%
PINE Alpine Income Property Trust, Inc. Peer	+46.4%	+47.8%	+33.8%	+35.4%	+6.1%	-2.9%
RMR The RMR Group Inc. Peer	-28.3%	-12.5%	+25.4%	+21.6%	+7.4%	+3.5%

Ready Capital Corporation

Primary

-75.8%

-73.5%

-53.5%

-33.1%

+23.6%

+4.3%

NRE

NexPoint Real Estate Finance, Inc.

Peer

+30.1%

+52.9%

+12.8%

+15.1%

+7.0%

+3.1%

MLP

Maui Land & Pineapple Company, Inc.

Peer

+34.9%

+21.8%

-4.9%

+2.8%

-0.1%

-1.8%

Alpine Income Property Trust, Inc.

Peer

+46.4%

+47.8%

+33.8%

+35.4%

+6.1%

-2.9%

RMR

The RMR Group Inc.

Peer

-28.3%

-12.5%

+25.4%

+21.6%

+7.4%

+3.5%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

N/A

-4.97

2.74

0.22

-5.47

-108.21

N/A

$317.15M

Profitability

Profit margins and return metrics

Profit Margin N/A

Operating Margin 160.31%

Gross Margin N/A

ROE -12.01%

ROA -2.41%

Growth

Revenue and earnings growth rates

Revenue Growth N/A

Earnings Growth N/A

Q/Q Revenue Growth -77.84%

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

3.61

High debt

Current Ratio

7.52

Strong

Quick Ratio

6.02

Excellent

Cash/Share

$1.32

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

-1814.4%

Total Assets

$7.8B

Liabilities

$6.1B

Equity

$1.5B

Debt/Equity

3.97x

Operating CF

$-0.0B

Free Cash Flow

$-0.0B

FCF Yield

100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-07

$N/A

2026-02-26

$-0.43

-210.4% surprise

2025-11-06

$-0.94

-292.6% surprise

2025-08-07

$-0.14

-240.0% surprise

Real Estate Sector Comparison

Comparing RC against 229 companies in the Real Estate sector (10 bullish, 48 neutral, 171 bearish)

Return on Equity (ROE)

-12.01%

This Stock

-25.6%

Sector Avg

-53.1% (Below Avg)

Debt to Equity

3.61

This Stock

2.42

Sector Avg

+49.0% (Higher)

Current Ratio

7.52

This Stock

8.03

Sector Avg

-6.3% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
RC Ready Capital Corporation	BEARISH	$317.15M	-	-12.0%	-%	$1.94
NREF NexPoint Real Estate Finance, Inc.	NEUTRAL	$329.83M	5.06	17.5%	66.8%	$14.42	Compare
MLP Maui Land & Pineapple Company, Inc.	BEARISH	$302.4M	-	-31.9%	-54.4%	$15.22	Compare
PINE Alpine Income Property Trust, Inc.	NEUTRAL	$341.66M	-	0.3%	1.1%	$19.25	Compare
RMR The RMR Group Inc.	NEUTRAL	$289.31M	12.47	12.3%	10.7%	$16.96	Compare

RC Ready Capital Corporation

BEARISH

Mkt Cap

$317M

P/E

ROE

-12.0%

Price

$1.94

NREF NexPoint Real...

Compare with RC

Compare with RC

PINE Alpine Income...

Compare with RC

RMR The RMR Group Inc.

Compare with RC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-06	NATHAN GILBERT E	Director	Purchase	40,000	$78,610
2026-03-05	AHLBORN ANDREW	Chief Financial Officer	Stock Award	891,262	-
2026-03-05	MARSHALL MEREDITH	Director	Stock Award	58,252	-
2026-03-05	SCALI DOMINICK	Officer	Stock Award	544,175	-
2026-03-05	NATHAN GILBERT E	Director	Stock Award	58,252	-
2026-03-05	SINAI TODD M	Director	Stock Award	58,252	-
2026-03-05	REESE J MITCHELL	Director	Stock Award	58,252	-
2026-03-05	MIELLE DOMINIQUE	Director	Stock Award	58,252	-

NATHAN GILBERT E

Director

Buy

2026-03-06

40,000 shares · $78,610

AHLBORN ANDREW

Chief Financial Officer

Stock Award

2026-03-05

891,262 shares

MARSHALL MEREDITH

Director

Stock Award

2026-03-05

58,252 shares

SCALI DOMINICK

Officer

Stock Award

2026-03-05

544,175 shares

NATHAN GILBERT E

Director

Stock Award

2026-03-05

58,252 shares

SINAI TODD M

Director

Stock Award

2026-03-05

58,252 shares

REESE J MITCHELL

Director

Stock Award

2026-03-05

58,252 shares

MIELLE DOMINIQUE

Director

Stock Award

2026-03-05

58,252 shares

Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

NONE

2 analysts

Piper Sandler

2026-03-02

Maintains

Neutral Neutral

Piper Sandler

2025-12-22

Maintains

Neutral Neutral

UBS

2025-11-14

Maintains

Neutral Neutral

Keefe, Bruyette & Woods

2025-11-12

Maintains

Underperform Underperform

Past News Coverage

Recent headlines mentioning RC from our newsroom.

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RC

RC Ready Capital Corporation - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Real Estate Sector Comparison

Similar Companies

Recent Insider Trading

Wall Street Analysts

Past News Coverage

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