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Ready Capital Corporation (RCB)
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Upturn Advisory Summary
02/24/2026: RCB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.74B USD | Price to earnings Ratio 15.36 | 1Y Target Price - |
Price to earnings Ratio 15.36 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 22.88 - 24.85 | Updated Date 06/29/2025 |
52 Weeks Range 22.88 - 24.85 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 6.57% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) 14.26% |
Valuation
Trailing PE 15.36 | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Ready Capital Corporation
Company Overview
History and Background
Ready Capital Corporation (NYSE: RC) was founded in 2011. It is a diversified financial services company that operates as a real estate investment trust (REIT). The company has grown through organic expansion and strategic acquisitions, focusing on originating, acquiring, and servicing small-to-medium balance commercial real estate loans and other debt and equity investments.
Core Business Areas
- Small-to-Medium Balance Commercial Loans: Origination and servicing of commercial real estate loans, typically ranging from $1 million to $25 million, for small-to-medium sized businesses and investors. This includes acquisition, refinance, and development loans.
- Agency Lending: Origination of multifamily and healthcare facility loans under Fannie Mae and Freddie Mac programs, which are then securitized and sold.
- Portfolio Lending: Acquisition and management of a portfolio of commercial real estate loans and other debt and equity investments, including bridge loans, mezzanine debt, and preferred equity.
- Residential Mortgage Loan Origination: Through its subsidiary, Ready Cap Mortgage, the company originates residential mortgage loans.
Leadership and Structure
Ready Capital Corporation is led by a management team with extensive experience in real estate finance. The company operates as a publicly traded REIT. Key leadership roles include CEO, President, CFO, and heads of various business segments.
Top Products and Market Share
Key Offerings
- Small-to-Medium Balance Commercial Real Estate Loans: Ready Capital offers a range of commercial real estate financing solutions for properties such as multifamily, office, retail, industrial, and mixed-use. The market for these loans is highly competitive, with numerous banks, credit unions, and other non-bank lenders. Market share data for this specific segment is fragmented due to the nature of private lending and reporting requirements.
- Agency Multifamily and Healthcare Lending: These loans are originated under the robust securitization platforms of Fannie Mae and Freddie Mac. Competitors include large financial institutions and specialized agency lenders. The market is significant but highly regulated.
- Residential Mortgage Origination: Through its subsidiary, Ready Cap Mortgage, it competes with a vast array of mortgage lenders, including large national banks, independent mortgage companies, and online lenders. Market share is highly dynamic and influenced by interest rates and housing market conditions.
Market Dynamics
Industry Overview
Ready Capital operates within the commercial real estate finance and residential mortgage sectors. The commercial real estate lending market is influenced by economic cycles, interest rates, property valuations, and regulatory environments. The residential mortgage market is heavily tied to housing demand, interest rates, and government-sponsored enterprises (GSEs).
Positioning
Ready Capital positions itself as a flexible and responsive lender, particularly for small-to-medium balance commercial real estate loans where larger institutions may be less inclined to lend. Its diversified business model, including agency lending, provides a balance between yield and stability.
Total Addressable Market (TAM)
The TAM for commercial real estate lending is in the trillions of dollars globally, with the US market representing a significant portion. For small-to-medium balance loans, the TAM is still substantial, estimated in the hundreds of billions. Ready Capital aims to capture a niche within this market by providing specialized solutions. The residential mortgage market TAM is also in the trillions.
Upturn SWOT Analysis
Strengths
- Diversified business model across commercial and residential lending.
- Strong relationships with government-sponsored enterprises (GSEs) for agency lending.
- Experienced management team with deep industry knowledge.
- Ability to originate and service a wide range of loan products.
Weaknesses
- Sensitivity to interest rate fluctuations, impacting net interest margins.
- Exposure to commercial real estate market downturns.
- Reliance on wholesale funding sources for some operations.
- Smaller scale compared to large, diversified financial institutions.
Opportunities
- Growth in the small-to-medium balance commercial real estate loan market.
- Expansion of agency lending volume.
- Potential for strategic acquisitions to expand product offerings or geographic reach.
- Leveraging technology to improve loan origination and servicing efficiency.
Threats
- Rising interest rates increasing borrowing costs and potentially reducing loan demand.
- Economic recession leading to increased loan defaults and property value declines.
- Increased competition from other lenders.
- Changes in regulatory landscape affecting lending practices and capital requirements.
Competitors and Market Share
Key Competitors
- Pimco High Income Fund (PHF)
- Apollo Commercial Real Estate Finance (ARI)
- Blackstone Mortgage Trust (BXMT)
Competitive Landscape
Ready Capital competes with a range of financial institutions, from large banks to specialized debt funds. Its competitive advantages lie in its focus on the underserved small-to-medium balance market, its agility, and its diversified origination platforms. However, it faces challenges from larger competitors with greater capital access and lower funding costs.
Growth Trajectory and Initiatives
Historical Growth: Ready Capital has demonstrated growth through expansion of its loan origination and portfolio acquisition activities. Strategic acquisitions have also contributed to its growth trajectory.
Future Projections: Future growth is expected to be driven by continued origination of small-to-medium balance commercial loans, expansion in agency lending, and potential strategic capital deployments. Analyst estimates would provide specific forward-looking figures.
Recent Initiatives: Recent initiatives may include expanding into new lending verticals, optimizing its balance sheet, and enhancing its technology infrastructure for loan origination and servicing.
Summary
Ready Capital Corporation presents a mixed financial profile. Its diversified business model and focus on niche lending segments are strengths. However, it faces significant risks from interest rate volatility and potential economic downturns impacting commercial real estate. Continued strategic execution and prudent risk management are crucial for its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Ready Capital Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Websites (e.g., Bloomberg, Reuters)
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Financial data and market share estimates are subject to change. Investors should conduct their own due diligence before making any investment decisions.
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 Corporation
Exchange NYSE | Headquaters - | ||
IPO Launch date 2019-07-25 | CEO - | ||
Sector Other | Industry Other | Full time employees 400 | Website |
Full time employees 400 | Website | ||
Ready Capital Corporation operates as a real estate finance company in the United States. The company originates, acquires, finances, and services small balance commercial (SBC) loans, small business administration (SBA) loans, and residential mortgage loans, as well as mortgage backed securities collateralized primarily by SBC loans, or other real estate-related investments. It operates through four segments: Loan Acquisitions; SBC Originations; SBA Originations, Acquisitions and Servicing; and Residential Mortgage Banking. The Loan Acquisitions segment acquires performing and non-performing SBC loans. The SBC Originations segment originates SBC loans secured by stabilized or transitional investor properties using various loan origination channels; and originates and services multi-family loan products. The SBA Originations, Acquisitions and Servicing segment acquires, originates, and services owner-occupied loans guaranteed by the SBA. The Residential Mortgage Banking segment originates residential mortgage loans through retail, correspondent, and broker channels. The company qualifies as a real estate investment trust for federal income tax purposes. It generally 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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