Accessibility Menu
Ready Capital logo

Ready Capital(NYSE) RC

Current Price$1.53
Market Cap$254.44MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2016)-64%
5 Year-82%
1 Year-62%
1 Month-12%
Ready Capital last closing stock price
MetricPriceDate
Last closeUSD 1.542026-07-21
Ready Capital stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-5.52%USD 1.632026-07-14
1 month-11.5%USD 1.742026-06-18
3 month-19.33%USD 1.912026-04-22
Year to date-28.51%USD 2.152025-12-31
1 year-61.71%USD 4.022025-07-21
3 year-81.92%USD 8.522023-07-21
5 year-81.79%USD 8.462021-07-22
Since inception-63.7%USD 4.242016-11-01

Ready Capital Financials at a Glance

Market Cap

$254.44MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$327.62M

Net Income (TTM)

-$510.15M

EPS (TTM)

-$3.18

P/E Ratio

-0.48

Dividend

$0.16

Beta (Volatility)

1.00 (Average)

Price

$1.53

Volume

28,802

Open

$1.55

Previous Close

$1.53

Daily Range

$1.49 - $1.56

52-Week Range

$1.49 - $4.58

Estimated Earnings Date

Aug 6, 2026

RC News

Houses for sale.jpeg

Danger Lurks for These 3 REIT Dividends

Matt DiLalloJun 3, 2025

RC: Motley Fool Moneyball Superscore

32

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Ready Capital

Ready Capital helps small and medium businesses get loans for commercial property. They also provide financing for residential home builders and developers across the United States. These services allow business owners to buy, build, or improve their physical locations.

What They Offer

  • Commercial Lending: Provides small to medium balance loans for investor properties like apartments or offices; uses both commercial and residential credit analysis.
  • Small Business Loans: Offers financing for business owners through the Small Business Administration 7(a) Program, which includes government guarantees.
  • Residential Mortgages: Originates home loans for individuals through a subsidiary called GMFS.
  • Construction Financing: Supplies capital specifically for residential real estate developers and regional homebuilders to fund new projects.

Strategic Moves and Acquisitions

  • Acquired United Development Funding IV in March 2025 to expand its capital solutions for residential developers.
  • Integrated the Mosaic Funds through a series of mergers to strengthen its focus on construction lending opportunities.
  • Changed its corporate name from Sutherland Asset Management Corporation to Ready Capital in September 2018.

How the Company Operates

The firm operates as a Real Estate Investment Trust, a structure that generally avoids federal corporate taxes by distributing at least 90% of taxable income to stockholders. It uses a multi-strategy approach to manage commercial, small business, and residential real estate debt within a single portfolio.

The Recent Financial Picture

  • Revenue rose to $45.1 million in Q1 2026, up 160.9% from a negative $74.1 million in Q1 2025.
  • Net income dropped to negative $201.7 million in Q1 2026, worsened by 353.7% from $79.5 million in Q1 2025.
  • Free cash flow fell to negative $5.8 million in Q1 2026, down 130.2% from $19.4 million in Q1 2025.
  • Gross profit improved to negative $3.9 million in Q1 2026, narrowing from a negative $74.1 million in Q1 2025.

Final Review

Ready Capital has evolved into a specialized lender for small businesses and commercial developers through strategic acquisitions in the construction and residential sectors. This diversification helps the company manage various real estate debt types despite recent volatility in its net income.

AI Generated • May 15, 2026

Industry

Mortgage Real Estate Investment Trusts (REITs)

Sector

Financials

Employees

442

CEO

Tom Capasse

Website

www.readycapital.com

Headquarters

New York City, NY 10020, US

RC Financials

Key Financial Metrics (TTM)

Gross Margin

-48.30%

Operating Margin

-145.44%

Net Income Margin

-155.71%

Return on Equity

-31.42%

Return on Capital

1.63%

Return on Assets

-8.08%

Earnings Yield

-2.08%

Dividend Yield

10.06%

Payout Ratio

-14.29%

Stock Overview

Market Cap

$254.44MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

165.22M

Volume

28.80K

Avg. Volume

1.61M

Financials (TTM)

Gross Profit

-$158.24M

Operating Income

-$476.49M

EBITDA

-$266.50M

Operating Cash Flow

$873.42M

Capital Expenditure

$0.00

Free Cash Flow

$873.42M

Cash & ST Invst.

$200.43M

Total Debt

$4.62B

Ready Capital Performance Analysis

Ready Capital annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 872,496,00025.0%
20232023-12-31USD 1,145,408,00031.3%
20242024-12-31USD 907,036,000-20.8%
20252025-12-31USD 471,715,000-48.0%
Ready Capital sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3083.8%
Q32025-09-301521.0%
Q42025-12-31-27.5%
Q12026-03-31-63.5%
Ready Capital annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.51-26.7%
20232023-12-31USD 2.2448.9%
20242024-12-31USD -2.63N/A
20252025-12-31USD -1.44-45.1%
Ready Capital sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-173.9%
Q32025-09-3061.8%
Q42025-12-31-992.3%
Q12026-03-3112.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$45.13M

+160.9%

Gross Profit

-$3.90M

+94.7%

Gross Margin

-8.63%

N/A

Market Cap

$254.44MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$575.65K

N/A

Employees

442

N/A

Net Income

-$201.73M

-353.7%

EBITDA

-$106.88M

-147.3%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$200.43M

-2.7%

Total Debt

$4.62B

-38.9%

Accounts Receivable

$127.87M

-31.6%

Inventory

$0.00

N/A

Long Term Debt

$4.50B

-7.1%

Short Term Debt

$122.44M

-95.5%

Return on Assets

-8.08%

N/A

Return on Invested Capital

-7.70%

N/A

Free Cash Flow

$590.19M

+2948.0%

Operating Cash Flow

$590.19M

+2948.0%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
NREFNexPoint Real Estate Finance, Inc.
$16.74+0.24%
CMTGClaros Mortgage Trust, Inc.
$2.29+0.88%
NLOPNet Lease Office Properties
$11.54-2.37%
FPIFarmland Partners Inc.
$9.68-0.31%

Trending Stocks

Symbol / CompanyPricePrice Chg
TAT&T
$23.04+0.04%
ONDSOndas
$8.00+0.04%
SMCISuper Micro Computer
$30.56+0.20%
AALAmerican Airlines Group
$14.79-0.03%

Questions About RC

What is the current price of Ready Capital?

Ready Capital is trading at $1.53 per share.

What is the 52-week range for Ready Capital?

Over the past 52 weeks, Ready Capital has traded between $1.49 and $4.58.

How much debt does Ready Capital have?

As of the most recent reporting period, Ready Capital reported total debt of $4.62B.

How much cash does Ready Capital have on hand?

Ready Capital reported $239.34M in cash and cash equivalents in its most recent financial results.

What is Ready Capital’s dividend yield?

Ready Capital currently has a dividend yield of 10.06%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services