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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| RC | -59.17% | -77.3% | -25.66% | -56% |
| S&P | +20.78% | +72.15% | +11.48% | +221% |
Ready Capital Corp. is a real estate finance company, which engages in acquiring, managing, and financing small balance commercial loans. It operates through the following segments: SBC Lending and Acquisitions, Small Business Lending, and Residential Mortgage Banking. The SBC Lending and Acquisitions segment is involved in the SBC loans across the full life-cycle of an SBC property including construction, bridge, stabilized, and agency loan origination channels through wholly-owned subsidiary, ReadyCap Commercial, LLC. The Small Business Lending segment acquires, originates, and services owner-occupied loans guaranteed by the SBA under its SBA Section 7(a) Program through wholly-owned subsidiary, ReadyCap Lending, LLC. The Residential Mortgage Banking segment focuses on the residential mortgage loan origination segment through wholly-owned subsidiary, GMFS, LLC. The company was founded in 2011 and is headquartered in New York, NY.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $127.92M | -39.3% |
| Gross Profit | $101.78M | -44.0% |
| Gross Margin | 79.57% | -6.7% |
| Market Cap | $353.43M | -69.3% |
| Market Cap / Employee | $799.63K | 0.0% |
| Employees | 442 | -6.9% |
| Net Income | -$226,584.00K | 24.4% |
| EBITDA | -$8,911.00K | -109.2% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Net Cash | $247.59M | 42.0% |
| Inventory | 620.2 | 220.6% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $5.68B | -23.2% |
| Short Term Debt | $200.13M | -30.2% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | -2.51% | 1.3% |
| Return On Invested Capital | 0.71% | -1.3% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | -$90,115.00K | -240.5% |
| Operating Free Cash Flow | -$90,115.00K | -240.5% |
| Metric | Q1 2024 | YoY Change | |||
|---|---|---|---|---|---|
| Price to Earnings | 5.73 | - | |||
| Price to Book | 0.48 | 0.41 | 0.37 | 0.21 | -60.84% |
| Price to Sales | 1.04 | 0.97 | 1.10 | 0.72 | -42.97% |
| Price to Tangible Book Value | 0.55 | 0.47 | 0.42 | 0.24 | -59.54% |
| Enterprise Value to EBITDA | 419.92 | 94.43 | 57.55 | -696.23 | -857.86% |
| Return on Equity | -12.4% | -13.9% | -14.8% | -13.2% | -31.97% |
| Total Debt | $7.48B | $7.06B | $6.15B | $5.88B | -23.42% |
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RC earnings call for the period ending September 30, 2021.
RC earnings call for the period ending June 30, 2021.
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