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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| RC | -50% | -51.17% | -13.35% | -27% |
| S&P | +16.23% | +94.45% | +14.22% | +219% |
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.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $181.95M | -27.6% |
| Gross Profit | $144.35M | -35.9% |
| Gross Margin | 79.33% | -10.2% |
| Market Cap | $745.12M | -45.8% |
| Market Cap / Employee | $1.57M | 0.0% |
| Employees | 475 | 0.0% |
| Net Income | -$50.97M | -51.1% |
| EBITDA | $82.49M | -36.5% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $219.70M | -14.3% |
| Inventory | 199.8 | 6.3% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $6.85B | -18.2% |
| Short Term Debt | $212.08M | -35.7% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | -2.73% | -2.4% |
| Return On Invested Capital | 0.71% | -1.3% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | -$61.34M | -69.0% |
| Operating Free Cash Flow | -$61.34M | -69.0% |
| Metric | Q4 2023 | Q1 2024 | YoY Change | ||
|---|---|---|---|---|---|
| Price to Earnings | 4.45 | 5.73 | - | ||
| Price to Book | 0.59 | 0.54 | 0.48 | 0.41 | -32.31% |
| Price to Sales | 1.26 | 1.25 | 1.04 | 0.97 | -18.91% |
| Price to Tangible Book Value | 0.65 | 0.60 | 0.55 | 0.47 | -28.60% |
| Enterprise Value to EBITDA | 69.08 | 91.87 | 419.92 | 94.43 | 22.28% |
| Return on Equity | -4.2% | -19.4% | -12.4% | -13.9% | 659.84% |
| Total Debt | $8.11B | $7.68B | $7.48B | $7.06B | -18.83% |
RC earnings call for the period ending September 30, 2021.
RC earnings call for the period ending June 30, 2021.
RC earnings call for the period ending March 31, 2021.
RC earnings call for the period ending December 31, 2020.
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