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Company Analysis

Ready Capital Corporation RC

A comprehensive view of key metrics, scores, and financial health for Ready Capital Corporation

Overview of Ready Capital Corporation

RC NYQ
Real Estate REIT - Mortgage Framework: Mortgage REITs Micro Cap
Ready Capital Corporation (RC), is a Micro Cap company, in the REIT - Mortgage industry, last closed at $1.07, about 531.8% undervalued vs fair value, -64.2% 1Y return, ranked 322/338 in sector.
Metrics Rev Growth -148.0% ROE -13.5% Gross Margin -1847.5% Div Yield 32.06%
USD 1.07
0.00%
(Delayed)
• Vol 90d: 70.3%
52-Week Range
Market Cap
$177.10M
Enterprise Value
$3.32B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 100%
Confidence: 97%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.readycapital.com
HQ New York, NY
Employees 450
Fiscal year Dec 31

Next Events

Earnings Nov 5 Call: Nov 6

Fair Value Snapshot

Bear Base Bull
$4
$7
$13
Current: $1.07 +532% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$569.2M
-36.5%%
Interest Expense
$514.1M
Net Interest Income
$55.0M
-72.6%%
Total Revenue
-$23.7M
-148%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-16.5%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
-
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Lender Specialized

Competitive Advantage Assessment

Evaluating Ready Capital Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
20
/100
Weak
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.79).

Key risks

  • Returns Squeezed by Funding Costs Returns are weak for a debt-funded lender (profitability score 0.06).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.02).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Weak
8
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing RC's balance between Growth (13.0%), Profitability (32.6%), and Safety (54.4%). Growth 13% Safety 54% Profitability 33%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

14th percentile vs peers
14
Key Signals
EPS Growth YoY 45.6% 55p Equity Growth YoY -17.0% 11p Asset Growth YoY -23.4% 4p NII Growth YoY -72.5% 1p
Strengths
  • Efficiency Ratio in top 20% of peers (-11.08, 98th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 14)
  • Equity Growth YoY in bottom 20% of peers (-17.0%)
  • Asset Growth YoY in bottom 20% of peers (-23.4%)
  • NII Growth YoY in bottom 20% of peers (-72.5%)

Profitability

36th percentile vs peers
36
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
61
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Ready Capital Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$6.76
- - -
+531.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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