(RCB) Ready Capital - Ratings and Ratios
Real Estate, Commercial, Multifamily, Bridge, SBA
RCB EPS (Earnings per Share)
RCB Revenue
Description: RCB Ready Capital
Ready Capital Corporation (NYSE:RCB) is a commercial and residential mortgage finance company listed on the New York Stock Exchange. As a key player in the mortgage finance sector, the companys performance is closely tied to the overall health of the housing market and interest rates.
The mortgage finance industry is influenced by various economic drivers, including GDP growth, unemployment rates, and monetary policy decisions. Ready Capital Corporations business model is likely impacted by factors such as housing demand, mortgage rates, and the overall credit environment. Key performance indicators (KPIs) for the company may include metrics such as loan origination volume, net interest margin, and delinquency rates.
With a market capitalization of approximately $1.74 billion, Ready Capital Corporation is a mid-sized player in the mortgage finance space. The companys stock has exhibited relatively stable trading activity, with an average daily volume of 2,100 shares. Investors may be closely watching the stocks price action, as it has hovered around its 52-week high of $24.44.
The companys valuation multiples, including a price-to-earnings ratio of 15.38, suggest that investors are pricing in a certain level of earnings stability. However, the negative return on equity (-13.58%) raises concerns about the companys profitability and ability to generate returns for shareholders. As a trading analyst, it is essential to closely monitor the companys financial performance and adjust expectations accordingly.
RCB Stock Overview
| Market Cap in USD | 1,738m |
| Sub-Industry | Commercial & Residential Mortgage Finance |
| IPO / Inception | 2019-07-25 |
RCB Stock Ratings
| Growth Rating | 72.5% |
| Fundamental | 45.7% |
| Dividend Rating | 66.8% |
| Return 12m vs S&P 500 | -6.90% |
| Analyst Rating | - |
RCB Dividends
| Dividend Yield 12m | 6.49% |
| Yield on Cost 5y | 9.49% |
| Annual Growth 5y | 0.01% |
| Payout Consistency | 97.8% |
| Payout Ratio | 0.0% |
RCB Growth Ratios
| Growth Correlation 3m | 97.1% |
| Growth Correlation 12m | 88% |
| Growth Correlation 5y | 86.5% |
| CAGR 5y | 8.64% |
| CAGR/Max DD 5y | 0.75 |
| Sharpe Ratio 12m | 0.97 |
| Alpha | 5.08 |
| Beta | -0.037 |
| Volatility | 6.56% |
| Current Volume | 32.1k |
| Average Volume 20d | 2.9k |
| Stop Loss | 23.9 (-3.3%) |
| Signal | -0.71 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (-311.3m TTM) > 0 and > 6% of Revenue (6% = 45.2m TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 1.05pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -73.99% (prev -21.14%; Δ -52.85pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -68.8m > Net Income -311.3m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 0.23 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (170.7m) change vs 12m ago 0.48% (target <= -2.0% for YES) |
| Gross Margin 78.17% (prev 88.24%; Δ -10.07pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.15% (prev 7.66%; Δ -0.51pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.03 (EBITDA TTM -1.46m / Interest Expense TTM 1.15b) >= 6 (WARN >= 3) |
Altman Z'' -0.68
| (A) -0.06 = (Total Current Assets 162.9m - Total Current Liabilities 720.9m) / Total Assets 9.31b |
| (B) -0.06 = Retained Earnings (Balance) -528.5m / Total Assets 9.31b |
| (C) -0.00 = EBIT TTM -29.2m / Avg Total Assets 10.54b |
| (D) -0.07 = Book Value of Equity -551.8m / Total Liabilities 7.37b |
| Total Rating: -0.68 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 45.74
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 3.41% = 1.71 |
| 3. FCF Margin 40.50% = 7.50 |
| 4. Debt/Equity 4.04 = -2.06 |
| 5. Debt/Ebitda data missing |
| 6. ROIC - WACC -3.95% = -4.94 |
| 7. RoE -15.87% = -2.50 |
| 8. Rev. Trend 8.55% = 0.43 |
| 9. Rev. CAGR 35.74% = 2.50 |
| 10. EPS Trend -55.87% = -1.40 |
| 11. EPS CAGR -40.96% = -2.50 |
What is the price of RCB shares?
Over the past week, the price has changed by +0.96%, over one month by +1.94%, over three months by +4.92% and over the past year by +8.89%.
Is Ready Capital a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RCB is around 26.35 USD . This means that RCB is currently overvalued and has a potential downside of 6.64%.
Is RCB a buy, sell or hold?
What are the forecasts/targets for the RCB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 27.8 | 12.5% |
Last update: 2025-08-23 04:48
RCB Fundamental Data Overview
CCE Cash And Equivalents = 162.9m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 15.4477
Beta = None
Revenue TTM = 754.1m USD
EBIT TTM = -29.2m USD
EBITDA TTM = -1.46m USD
Long Term Debt = 6.65b USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 720.9m USD (from shortTermDebt, last quarter)
Debt = 7.37b USD (Calculated: Short Term 720.9m + Long Term 6.65b)
Net Debt = 558.0m USD (from netDebt column, last quarter)
Enterprise Value = 8.95b USD (1.74b + Debt 7.37b - CCE 162.9m)
Interest Coverage Ratio = -0.03 (Ebit TTM -29.2m / Interest Expense TTM 1.15b)
FCF Yield = 3.41% (FCF TTM 305.4m / Enterprise Value 8.95b)
FCF Margin = 40.50% (FCF TTM 305.4m / Revenue TTM 754.1m)
Net Margin = -41.28% (Net Income TTM -311.3m / Revenue TTM 754.1m)
Gross Margin = 78.17% ((Revenue TTM 754.1m - Cost of Revenue TTM 164.6m) / Revenue TTM)
Tobins Q-Ratio = -16.22 (set to none) (Enterprise Value 8.95b / Book Value Of Equity -551.8m)
Interest Expense / Debt = 1.84% (Interest Expense 135.8m / Debt 7.37b)
Taxrate = 21.0% (US default)
NOPAT = -29.2m (EBIT -29.2m, no tax applied on loss)
Current Ratio = 0.23 (Total Current Assets 162.9m / Total Current Liabilities 720.9m)
Debt / Equity = 4.04 (Debt 7.37b / last Quarter total Stockholder Equity 1.83b)
Debt / EBITDA = -5055 (Net Debt 558.0m / EBITDA -1.46m)
Debt / EBITDA = -5055 --> set to None
Debt / FCF = 24.15 (Debt 7.37b / FCF TTM 305.4m)
Total Stockholder Equity = 1.96b (last 4 quarters mean)
RoA = -3.34% (Net Income -311.3m, Total Assets 9.31b )
RoE = -15.87% (Net Income TTM -311.3m / Total Stockholder Equity 1.96b)
RoCE = -0.34% (Ebit -29.2m / (Equity 1.96b + L.T.Debt 6.65b))
RoIC = -1.65% (NOPAT -29.2m / Invested Capital 1.77b)
WACC = 2.30% (E(1.74b)/V(9.11b) * Re(5.88%)) + (D(7.37b)/V(9.11b) * Rd(1.84%) * (1-Tc(0.21)))
Shares Correlation 5-Years: 70.0 | Cagr: 22.48%
Discount Rate = 5.88% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
Fair Price DCF = unknown (Cash Flow 305.4m)
Revenue Correlation: 8.55 | Revenue CAGR: 35.74%
Rev Growth-of-Growth: -30.00
EPS Correlation: -55.87 | EPS CAGR: -40.96%
EPS Growth-of-Growth: 70.77
Additional Sources for RCB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle