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Ready Capital Corporation 5.75%(RCC)Earnings, Financials & Key Ratios
RCC•NYSE•REIT / Real Estate
$25.04
Price updated May 28, 2026
AboutReady 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 November 2011 and is headquartered in New York, NY.Show more
- Revenue$499M+1726.0%
- FFO-$226M+45.6%
- FFO/Share-1.35+44.6%
- FFO Payout-50.12%
- FFO per Share-1.35+44.6%
- NOI Margin87.67%-12.3%
- FFO Margin-45.27%+97.0%
- ROE-12.76%+32.9%
- ROA-2.56%+33.8%
RCC Price & Volume
Ready Capital Corporation 5.75% (RCC) stock price & volume — 10-year historical chart
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Broadmark Integration Strains Ready Capital Financial Stability
Investment Thesis • Updated 2025Q4
VerdictNegative
Growth:Mixed
Profitability:Negative
Financial:Strained
Cash Flow:Deteriorating
Primary Risk:Broadmark integration credit impairment
Key Thesis Takeaways
- Ready Capital faces significant operational headwinds as it navigates the integration of the Broadmark portfolio, which has contributed to extreme earnings volatility and substantial book value erosion.
- While the company reported a 93.0% NOI margin in 2025Q4, this figure is obscured by non-cash accounting charges and a reliance on inorganic growth that complicates long-term performance visibility.
- Investors should remain cautious given the contraction of total assets from $12.8 billion in 2023Q3 to $7.8 billion in 2025Q4 and the persistent uncertainty surrounding dividend sustainability.
Verdict Logic
the company's fundamental health is currently compromised by a negative $234.2 million net income in 2025Q4 and a volatile FFO per share that dropped to negative $1.63, indicating significant ongoing credit impairment risks.
RCC Growth Metrics
Ready Capital Corporation 5.75% (RCC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years24.03%
5 Years5.36%
3 Years9.22%
TTM1725.96%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM47.47%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM45.42%
Return on Capital
10 Years-1.31%
5 Years1.38%
3 Years1.38%
Last Year1.38%
RCC Recent Earnings
Ready Capital Corporation 5.75% (RCC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/9 qtrs (67%)●Beat Revenue 1/9 qtrs (33%)
Q2 2026Latest
Mar 2, 2026Metric
Actual
Est
EPS
$1.45
—
Rev
$318M
—
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.11+53.4%
$0.24
Rev
$623,000-100.9%
$73M
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$0.34-528.8%
$0.05
Rev
$182M+325.6%
$43M
Q2 2025
May 8, 2025Metric
Actual
Est
EPS
$0.46+291.3%
$0.12
Rev
$26M-71.1%
$89M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 2, 2026 | $1.45 | $318M |
| Q4 2025 | Nov 6, 2025 | $0.11vs $0.24+53.4% | $623,000vs $73M-100.9% |
| Q3 2025 | Aug 7, 2025 | $0.34vs $0.05-528.8% | $182Mvs $43M+325.6% |
| Q2 2025 | May 8, 2025 | $0.46vs $0.12+291.3% | $26Mvs $89M-71.1% |
Based on last 9 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Ready Capital Corporation 5.75% (RCC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $25.04 | $4.08B | -9.52 | 1725.96% | -45.83% | -12.76% | 4.83% | |
| $1.66 | $274.26M | -1.15 | 1725.96% | -290.69% | -29.57% | — | |
| $17.46 | $2.95B | 27.28 | -13.96% | 6.75% | 2.93% | — | |
| $4.53 | $251.33M | -276.22 | -2.79% | -24.91% | -3.88% | — | |
| $8.34 | $644.75M | 14.63 | 123.25% | 23.2% | 5.7% | — | |
| $1.46 | $69.96M | -1.26 | 187.77% | -30.49% | -7.1% | — |
Compare RCC vs Peers
Ready Capital Corporation 5.75% (RCC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RCC SEC Filings & Documents
Ready Capital Corporation 5.75% (RCC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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RCC Frequently Asked Questions
Ready Capital Corporation 5.75% (RCC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Ready Capital Corporation 5.75%'s revenue?
Ready Capital Corporation 5.75% (RCC) reported $499.5M in revenue for fiscal year 2025. This represents a 1943% increase from $24.4M in 2012.
How fast is Ready Capital Corporation 5.75% growing?
Ready Capital Corporation 5.75% (RCC) grew revenue by 1726.0% over the past year. This is strong growth.
Is RCC profitable?
Ready Capital Corporation 5.75% (RCC) reported a net loss of $228.9M for fiscal year 2025.
Dividend & Returns
Does RCC pay dividends?
Yes, Ready Capital Corporation 5.75% (RCC) pays a dividend with a yield of 4.83%. This makes it attractive for income-focused investors.
What is RCC's return on equity?
Ready Capital Corporation 5.75% (RCC) has a return on equity (ROE) of -12.8%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Ready Capital Corporation 5.75%'s FFO?
Ready Capital Corporation 5.75% (RCC) generated Funds From Operations (FFO) of $-226.1M in the trailing twelve months. FFO is the primary profitability metric for REITs.
Is RCC a good dividend stock?
Ready Capital Corporation 5.75% (RCC) offers a 4.83% dividend yield, which is attractive for income investors. REITs are required to distribute at least 90% of taxable income to shareholders.