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RC 
Ready Capital Corp (RC)
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Upturn Advisory Summary
12/05/2025: 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 $3.69
1 Year Target Price $3.69
| 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 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 432.12M USD | Price to earnings Ratio - | 1Y Target Price 3.69 |
Price to earnings Ratio - | 1Y Target Price 3.69 | ||
Volume (30-day avg) 8 | Beta 1.49 | 52 Weeks Range 2.32 - 6.76 | Updated Date 12/6/2025 |
52 Weeks Range 2.32 - 6.76 | Updated Date 12/6/2025 | ||
Dividends yield (FY) 23.85% | Basic EPS (TTM) -1.76 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) -173.33% |
Management Effectiveness
Return on Assets (TTM) -2.87% | Return on Equity (TTM) -13.3% |
Valuation
Trailing PE - | Forward PE 7.05 | Enterprise Value 6763294720 | Price to Sales(TTM) 5.91 |
Enterprise Value 6763294720 | Price to Sales(TTM) 5.91 | ||
Enterprise Value to Revenue 199.36 | Enterprise Value to EBITDA 15.96 | Shares Outstanding 162126276 | Shares Floating 144159442 |
Shares Outstanding 162126276 | Shares Floating 144159442 | ||
Percent Insiders 9.93 | Percent Institutions 63.11 |
Upturn AI SWOT
Ready Capital Corp
Company Overview
History and Background
Ready Capital Corp. was founded in 2011 and is headquartered in New York. It is a real estate finance company specializing in originating, acquiring, financing, and servicing small- to medium-sized balance commercial loans.
Core Business Areas
- Small Balance Commercial (SBC) Lending: Originates, acquires, and services SBC loans, generally $3 million to $35 million, secured by stabilized income-producing properties.
- Small Business Administration (SBA) Lending: Originates and services SBA 7(a) loans for small businesses.
- Residential Mortgage Banking: Focuses on mortgage origination, securitization, and servicing.
Leadership and Structure
Thomas Capasse is the CEO and Chairman. The company has a board of directors and operates with a structured management team overseeing different business segments.
Top Products and Market Share
Key Offerings
- Small Balance Commercial Loans: SBC loans are a core offering, competing with regional banks, credit unions, and other specialty finance companies. Market share is fragmented, varying by region. Revenue contributions are significant.
- SBA 7(a) Loans: Provides financing solutions for small businesses through the SBA 7(a) loan program, competing with other SBA lenders. Loan volume fluctuates based on economic conditions and SBA programs. Revenue contribution is important for Ready Capital. Competitors are: NewtekOne (NEWT), Live Oak Bancshares (LOB).
- Residential Mortgage Origination: Originates and sells or securitizes residential mortgages. This segment faces competition from large mortgage lenders and banks. Competitors include: Rocket Companies(RKT) and UWM Holdings Corporation (UWMC).
Market Dynamics
Industry Overview
The commercial real estate lending market is competitive and influenced by interest rates, economic growth, and property values. The SBA lending market is driven by the demand for small business financing. The residential mortgage market is influenced by interest rates and housing affordability.
Positioning
Ready Capital Corp. focuses on niche lending areas within commercial real estate and SBA lending, targeting underserved segments. Its competitive advantage lies in its expertise in these specific markets.
Total Addressable Market (TAM)
The TAM for commercial real estate lending is multi-billion dollar market. SBA lending market is around $30 billion per year. Ready Capital is positioned to capture portions of these markets with its specialized lending approach.
Upturn SWOT Analysis
Strengths
- Expertise in niche lending markets
- Strong origination platform
- Experienced management team
- Diversified revenue streams
Weaknesses
- Sensitivity to interest rate changes
- Credit risk in lending portfolio
- Reliance on external funding sources
- Exposure to economic cycles
Opportunities
- Expansion into new lending markets
- Increased demand for SBA loans
- Strategic acquisitions
- Growth in the commercial real estate market
Threats
- Increased competition
- Economic downturn
- Changes in government regulations
- Rising interest rates
Competitors and Market Share
Key Competitors
- BXMT
- ARI
- LADR
Competitive Landscape
Ready Capital competes based on its specialized lending expertise, origination platform, and customer relationships. Competitive advantages and disadvantages depend on market conditions and competitor strategies.
Major Acquisitions
Mosaic Real Estate Investors
- Year: 2021
- Acquisition Price (USD millions): 91.1
- Strategic Rationale: Diversified Ready Capital's investment strategies and enhanced its origination capabilities.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by increased lending activity and strategic acquisitions.
Future Projections: Analyst estimates would need to be pulled from financial data providers.
Recent Initiatives: Recent initiatives may include new lending programs, expansion into new markets, or strategic partnerships.
Summary
Ready Capital Corp. is a specialized real estate finance company with expertise in niche lending markets, demonstrating a solid origination platform and diversified revenue streams. However, the company's sensitivity to interest rate changes and reliance on external funding sources pose challenges. Recent acquisitions and potential growth in SBA lending offer growth opportunities. The company needs to manage credit risk carefully and monitor economic conditions closely.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Investor Presentations
- Market Research Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can 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 500 | Website https://www.readycapital.com |
Full time employees 500 | 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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