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Upturn AI SWOT - About
Ready Capital Corporation (RCB)
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Upturn Advisory Summary
06/27/2025: RCB (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
0 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $
Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.08% | Avg. Invested days 74 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
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 - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Ready Capital Corporation
Company Overview
History and Background
Ready Capital Corporation (RC) was founded in 2011. It is a real estate finance company that specializes in originating, acquiring, financing, and servicing small- to medium-sized balance commercial loans.
Core Business Areas
- Small Balance Commercial (SBC) Lending: Originates and services SBC loans, typically ranging from $1 million to $25 million.
- Commercial Real Estate (CRE) Lending: Focuses on originating and acquiring CRE loans.
- Residential Mortgage Banking: Engaged in residential mortgage loan origination and sales.
Leadership and Structure
Thomas Capasse serves as the Chairman and Chief Executive Officer. The company has a typical corporate structure with various departments reporting to the executive team.
Top Products and Market Share
Key Offerings
- SBA 7(a) Loans: Government-backed loans for small businesses. Competitors include Live Oak Bancshares (LOB), NewtekOne Capital (NEWT), and regional and community banks offering SBA loans. Revenue data from this sector is not publicly available.
- Bridge Loans: Short-term financing for commercial real estate. Competitors include Blackstone Mortgage Trust (BXMT) and Starwood Property Trust (STWD). Revenue data from this sector is not publicly available.
- CMBS Loans: Commercial Mortgage-Backed Securities. Competitors include Ladder Capital (LADR). Revenue data from this sector is not publicly available.
Market Dynamics
Industry Overview
The commercial real estate finance industry is influenced by interest rates, economic growth, and regulatory changes. Increased rates affect deal flow.
Positioning
Ready Capital is a niche player focusing on small- to medium-sized commercial loans, positioning it between large institutional lenders and smaller regional banks.
Total Addressable Market (TAM)
The Commercial Real Estate Lending market is in the trillions of USD. Ready Capital Corporation TAM is specific to its core focus on SBC and is significantly smaller than the total market. The position is to expand into its niche market and grow its percentage of the TAM
Upturn SWOT Analysis
Strengths
- Experienced management team
- Diversified loan portfolio
- Strong servicing platform
Weaknesses
- Reliance on external financing
- Sensitivity to interest rate changes
- Smaller scale compared to larger REITs
Opportunities
- Growing demand for SBC loans
- Expansion into new markets
- Strategic acquisitions
Threats
- Economic downturn
- Increased competition
- Regulatory changes
Competitors and Market Share
Key Competitors
- Blackstone Mortgage Trust (BXMT)
- Starwood Property Trust (STWD)
- Ladder Capital (LADR)
- Arbor Realty Trust (ABR)
- TPG Real Estate Finance Trust (TRTX)
Competitive Landscape
Ready Capital faces competition from larger REITs with more capital and established relationships. Its advantage lies in its focus on smaller loans and specialized expertise.
Major Acquisitions
Anworth Mortgage Asset Corporation
- Year: 2021
- Acquisition Price (USD millions): 545
- Strategic Rationale: Diversified its portfolio and expanded its presence in the residential mortgage market.
Growth Trajectory and Initiatives
Historical Growth: Ready Capital's growth has been driven by acquisitions and organic loan origination.
Future Projections: Future growth projections are dependent on the company's ability to capitalize on market opportunities and manage risks.
Recent Initiatives: Focus on increasing loan origination volume and expanding its product offerings.
Summary
Ready Capital is a niche player in the commercial real estate finance market, focusing on smaller loans. Its experienced management and diversified portfolio are strengths. Reliance on external financing and sensitivity to interest rates are weaknesses. Its growth depends on capitalizing on market opportunities and managing economic risks effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly.
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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