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Upturn AI SWOT - About
RC 
Ready Capital Corp (RC)
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Upturn Advisory Summary
10/13/2025: RC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $4.5
1 Year Target Price $4.5
| 0 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.81% | Avg. Invested days 21 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 555.81M USD | Price to earnings Ratio - | 1Y Target Price 4.5 |
Price to earnings Ratio - | 1Y Target Price 4.5 | ||
Volume (30-day avg) 8 | Beta 1.49 | 52 Weeks Range 3.34 - 6.76 | Updated Date 10/13/2025 |
52 Weeks Range 3.34 - 6.76 | Updated Date 10/13/2025 | ||
Dividends yield (FY) 21.80% | Basic EPS (TTM) -1.7 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) 504.37% |
Management Effectiveness
Return on Assets (TTM) -2.57% | Return on Equity (TTM) -12.52% |
Valuation
Trailing PE - | Forward PE 7.05 | Enterprise Value 7778800128 | Price to Sales(TTM) 5.91 |
Enterprise Value 7778800128 | Price to Sales(TTM) 5.91 | ||
Enterprise Value to Revenue 119.63 | Enterprise Value to EBITDA 15.96 | Shares Outstanding 164327272 | Shares Floating 152012586 |
Shares Outstanding 164327272 | Shares Floating 152012586 | ||
Percent Insiders 8.2 | Percent Institutions 68.06 |
Upturn AI SWOT
Ready Capital Corp
Company Overview
History and Background
Ready Capital Corp. was founded in 2011. It's a real estate finance company focused on originating, acquiring, financing and servicing small-balance commercial (SBC) loans. It has expanded through acquisitions and organic growth, focusing on the lower middle market.
Core Business Areas
- Small Balance Commercial (SBC) Lending: Ready Capital originates and services SBC loans, typically ranging from $1 million to $10 million, secured by stabilized income-producing properties.
- Small Business Lending: Primarily involves originating and servicing SBA 7(a) loans. Previously a larger part of the business, it's been de-emphasized over time.
- Residential Mortgage Banking: Origination and sale of residential mortgage loans.
- Bridge Lending: Provides short-term, interest-only loans for transitional properties.
Leadership and Structure
Thomas Capasse serves as the Chairman and Chief Executive Officer. The company has a board of directors and a management team overseeing various business segments. They have a typical REIT structure.
Top Products and Market Share
Key Offerings
- Small Balance Commercial (SBC) Loans: Loans ranging from $1 million to $10 million secured by income-producing properties. Market share is difficult to precisely quantify due to the fragmented nature of the SBC market, but Ready Capital is a significant player. Competitors include Arbor Realty Trust (ABR), Benefit Street Partners Realty Trust (BST), and local and regional banks.
- SBA 7(a) Loans: Government-guaranteed loans to small businesses. Market share is variable and depends on Ready Capital's current origination strategy. Competitors include Live Oak Bancshares (LOB), NewtekOne (NEWT) and traditional banks with SBA programs.
- Residential Mortgage Loans: Loans secured by single family residences. Market share is variable. Competitors include Rocket Companies (RKT) and UWM Holdings Corporation (UWMC).
Market Dynamics
Industry Overview
The commercial real estate finance industry is characterized by fluctuating interest rates, regulatory changes, and economic cycles. The small-balance commercial lending segment is particularly sensitive to regional economic conditions and property values.
Positioning
Ready Capital focuses on the lower middle market, providing financing solutions to borrowers often underserved by larger institutions. Their competitive advantage lies in their specialized expertise and efficient origination platform.
Total Addressable Market (TAM)
The TAM for commercial real estate lending is in the trillions of dollars. Ready Capital's SBC focus represents a substantial portion of this. Its positioning allows them to capitalize on the demand for smaller loans that larger lenders often overlook.
Upturn SWOT Analysis
Strengths
- Experienced Management Team
- Diversified Lending Platform
- Strong Origination Capabilities
- Focus on Underserved Market Segments
Weaknesses
- Sensitivity to Interest Rate Fluctuations
- Credit Risk Associated with SBC Loans
- Reliance on External Financing
- Complexity of REIT structure may create limitations
Opportunities
- Expansion into New Geographic Markets
- Increased Demand for SBC Loans
- Strategic Acquisitions to Enhance Platform
- Growth in alternative lending
Threats
- Economic Downturn Impacting Property Values
- Increased Competition from Other Lenders
- Regulatory Changes Affecting Lending Practices
- Rising Interest Rates
Competitors and Market Share
Key Competitors
- ABR
- BST
- LOB
- NEWT
Competitive Landscape
Ready Capital competes with other REITs, banks, and private lenders. Their advantages include specialized expertise and efficient origination. Their disadvantages can include smaller balance sheet relative to larger competitors.
Major Acquisitions
Mosaic Real Estate Investors
- Year: 2021
- Acquisition Price (USD millions): 91
- Strategic Rationale: Expanded Ready Capitalu2019s origination capabilities and broadened its product offerings within the commercial real estate lending market.
Growth Trajectory and Initiatives
Historical Growth: Ready Capital has grown through organic origination and strategic acquisitions. Their growth has been tied to the overall health of the commercial real estate market.
Future Projections: Future growth projections depend on market conditions and company strategy. Analyst estimates should be consulted for specific projections.
Recent Initiatives: Recent initiatives often involve expanding their lending platform, managing credit risk, and optimizing their capital structure. Examine press releases and SEC filings for the latest updates.
Summary
Ready Capital is a commercial real estate finance company with a focus on small balance commercial lending. Their diversified platform and strong origination capabilities are key strengths. However, they face risks related to interest rate fluctuations, credit quality, and economic downturns. Strategic acquisitions have bolstered growth, but ongoing market conditions will dictate future performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Earnings Call Transcripts
- Investor Presentations
- Third-Party Financial Data Providers
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ready Capital Corp
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2013-02-08 | Chairman, CEO & Chief Investment Officer Mr. Thomas Edward Capasse | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees 475 | Website https://www.readycapital.com |
Full time employees 475 | Website https://www.readycapital.com | ||
Ready Capital Corporation operates as a real estate finance company in the United States. It operates through two segments: LMM Commercial Real Estate and Small Business Lending. The LMM Commercial Real Estate segment originates LLM loans across the full life-cycle of an LLM property, including construction, bridge, stabilized, and agency loan origination channels. The Small Business Lending segment acquires, originates, and services owner-occupied loans guaranteed by the SBA under its SBA Section 7(a) Program; and acquires, originates, and services USDA loans, as well as originates and services small business loans. It originates, acquires, finances, and services lower-to-middle-market (LLM) commercial real estate loans, small business administration (SBA) loans, residential mortgage loans, construction loans, USDA loans, and mortgage-backed securities collateralized primarily by LLM loans, or other real estate-related investments. The company has elected to be taxed as a real estate investment trust (REIT) and would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was formerly known as Sutherland Asset Management Corporation and changed its name to Ready Capital Corporation in September 2018. Ready Capital Corporation was founded in 2007 and is headquartered in New York, New York.
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