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Upturn AI SWOT - About
RC 
Ready Capital Corp (RC)
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Upturn Advisory Summary
08/14/2025: 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 $4.19
1 Year Target Price $4.19
| 0 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.68% | 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 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 636.63M USD | Price to earnings Ratio - | 1Y Target Price 4.19 |
Price to earnings Ratio - | 1Y Target Price 4.19 | ||
Volume (30-day avg) 8 | Beta 1.53 | 52 Weeks Range 3.77 - 7.64 | Updated Date 08/15/2025 |
52 Weeks Range 3.77 - 7.64 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 19.13% | Basic EPS (TTM) -1.7 |
Earnings Date
Report Date 2025-08-07 | When - | Estimate -0.045 | Actual -0.14 |
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 7869179904 | Price to Sales(TTM) 5.91 |
Enterprise Value 7869179904 | Price to Sales(TTM) 5.91 | ||
Enterprise Value to Revenue 120.12 | Enterprise Value to EBITDA 15.96 | Shares Outstanding 164327008 | Shares Floating 154342747 |
Shares Outstanding 164327008 | Shares Floating 154342747 | ||
Percent Insiders 6.59 | Percent Institutions 67.15 |
Upturn AI SWOT
Ready Capital Corp
Company Overview
History and Background
Ready Capital Corp was founded in 2011 as Sutherland Asset Management Corporation. It rebranded to Ready Capital Corp in 2016. The company focuses on small balance commercial (SBC) real estate lending and other specialty finance activities.
Core Business Areas
- Small Balance Commercial (SBC) Lending: Originates, acquires, finances, and services SBC loans, generally $20 million or less, primarily secured by stabilized income-producing properties.
- Small Business Lending: Originates, acquires and services owner-occupied commercial real estate loans. Focused on originating loans guaranteed by the Small Business Administration.
- Residential Mortgage Banking: Originates, acquires, sells, and services owner-occupied residential mortgage loans.
- Structured Investments: Invests in legacy non-agency residential mortgage-backed securities (RMBS), commercial real estate debt, and other investments.
Leadership and Structure
Thomas Capasse is the Chairman and Chief Executive Officer. The company has a typical corporate structure with a board of directors and various executive management positions overseeing different business segments.
Top Products and Market Share
Key Offerings
- Small Balance Commercial (SBC) Loans: Loans secured by commercial properties, generally $20 million or less. Market share data is difficult to pinpoint precisely, but Ready Capital is a significant player in this niche. Competitors include Arbor Realty Trust, Ladder Capital Corp, and other regional banks and private lenders. Revenue from this segment comprises a substantial portion of total revenue.
- SBA 7(a) Loans: Loans guaranteed by the Small Business Administration. Ready Capital is a significant originator of these loans. Competitors include Live Oak Bancshares and NewtekOne, Inc. Significant revenue generating portion.
Market Dynamics
Industry Overview
The market involves commercial real estate lending, residential mortgage lending, and specialty finance. The industry is influenced by interest rates, economic growth, and real estate market conditions. There are a lot of competitors in this space which makes it a hard industry to get into and scale without a strong niche.
Positioning
Ready Capital is positioned as a specialist lender focused on underserved segments of the market, such as SBC lending and SBA loans. It differentiates itself through its expertise in these niche areas and its ability to provide financing to borrowers who may not be able to obtain it from traditional banks.
Total Addressable Market (TAM)
The TAM for SBC lending and SBA lending is substantial, estimated in the billions of dollars annually. Ready Capital's position allows it to address a meaningful portion of this TAM, but its actual market share is still limited by its capital base and operational capacity.
Upturn SWOT Analysis
Strengths
- Expertise in niche lending markets (SBC, SBA)
- Established origination and servicing platform
- Diversified business lines
- Strong relationships with brokers and borrowers
Weaknesses
- Sensitivity to interest rate changes
- Reliance on external financing
- Credit risk associated with lending activities
- Smaller market capitalization compared to larger competitors
Opportunities
- Expansion into new geographic markets
- Increased demand for SBC and SBA loans
- Strategic acquisitions of complementary businesses
- Development of new lending products
Threats
- Increased competition from other lenders
- Economic downturn and rising interest rates
- Changes in government regulations
- Credit losses on loan portfolio
Competitors and Market Share
Key Competitors
- ARCC
- LADR
- BXMT
Competitive Landscape
Ready Capital's advantages include its niche focus and expertise in SBC and SBA lending. Disadvantages include its smaller size and greater sensitivity to interest rate changes.
Major Acquisitions
Mosaic Real Estate Investors LLC
- Year: 2020
- Acquisition Price (USD millions): 91
- Strategic Rationale: Expanded investment management capabilities and diversified revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Ready Capital's growth has been driven by its expansion into new lending markets and its ability to originate and acquire loans. Growth rates have varied depending on market conditions.
Future Projections: Analyst estimates for future growth depend on factors such as interest rates, economic growth, and the company's ability to execute its strategy.
Recent Initiatives: Recent initiatives include focusing on higher-yielding assets and improving operational efficiency.
Summary
Ready Capital Corp is a specialized lender with a focus on niche markets like SBC and SBA loans, allowing them to carve out a strong position. Interest rate sensitivity and reliance on external funding create vulnerabilities. Strategic acquisitions have bolstered capabilities, and focused initiatives are promising for future growth, though they must face challenges from economic uncertainty and competitive pressure.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Analyst Reports
- Industry Publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is approximate and based on available information. Financial data should be verified with official SEC filings.
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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