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Upturn AI SWOT - About
Ready Capital Corporation (RCB)
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Upturn Advisory Summary
09/15/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 5.81% | Avg. Invested days 105 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
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 - |
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 originates, acquires, finances, and services small-balance commercial (SBC) loans. It has expanded its operations through acquisitions and organic growth.
Core Business Areas
- Small Balance Commercial (SBC) Lending: Originates and services SBC loans, typically secured by stabilized income-producing properties.
- Small Business Administration (SBA) Lending: Originates and services SBA 7(a) loans and SBA 504 loans.
- Residential Mortgage Banking: Originates and acquires residential mortgage loans, focusing on conforming and non-conforming loans.
- Bridge Lending: Originates short-term, interest-only loans to finance acquisitions, renovations, and developments.
Leadership and Structure
Thomas Capasse serves as the Chief Executive Officer. The company operates with a traditional corporate structure, including a Board of Directors and executive management team overseeing various business segments.
Top Products and Market Share
Key Offerings
- SBC Loans: These loans are secured by stabilized income-producing properties and target smaller businesses. Ready Capital is a significant player in this space, although specific market share data is not readily available. Competitors include banks, credit unions, and other non-bank lenders. Revenue is generated through interest income and servicing fees.
- SBA Loans: Ready Capital originates and services SBA loans, providing financing to small businesses with government backing. Market share data is variable and dependent on specific geographies and SBA program participation. Competitors include traditional banks and other SBA lenders. Revenue is generated through interest income and servicing fees.
- Residential Mortgage Loans: Ready Capital originates and acquires residential mortgage loans, including both conforming and non-conforming products. The residential mortgage market is highly competitive, including large banks, mortgage REITs, and independent mortgage companies. Ready Capital's market share is relatively small. Competitors are Rocket Mortgage, United Wholesale Mortgage, and other major mortgage lenders. Revenue is generated through loan sales and servicing income.
- Bridge Loans: Short-term loans to finance acquisitions, renovations, and developments. Competition includes other private lending companies and debt funds.
Market Dynamics
Industry Overview
The commercial real estate finance industry is influenced by macroeconomic factors, interest rates, and regulatory changes. The demand for SBC and SBA loans is driven by the needs of small businesses and commercial property owners. The residential mortgage market is affected by interest rates, housing prices, and consumer confidence.
Positioning
Ready Capital positions itself as a specialist lender focused on underserved segments of the commercial real estate market. Its competitive advantages include its expertise in SBC and SBA lending, its servicing platform, and its ability to originate loans through various channels.
Total Addressable Market (TAM)
The TAM for commercial real estate lending is estimated to be in the trillions of dollars. Ready Capital's positioning within this TAM is focused on specific niches, which makes their market penetration a small percentage of the total market.
Upturn SWOT Analysis
Strengths
- Specialized expertise in SBC and SBA lending
- Servicing platform
- Ability to originate loans through various channels
- Established relationships with brokers and borrowers
- Diversified revenue streams
Weaknesses
- Reliance on external funding sources
- Exposure to credit risk in loan portfolio
- Sensitivity to interest rate fluctuations
- Smaller market capitalization compared to larger competitors
- Increased Cost of Capital
Opportunities
- Expansion into new geographic markets
- Growth in SBA lending due to government support
- Acquisition opportunities
- Increased demand for alternative financing solutions
- Expansion of servicing portfolio
Threats
- Increased competition from banks and other lenders
- Economic downturn impacting property values and borrower creditworthiness
- Changes in government regulations
- Rising interest rates
- Increased volatility in capital markets
Competitors and Market Share
Key Competitors
- TPVG
- LADR
- BXMT
Competitive Landscape
Ready Capital competes with other specialty finance companies, banks, and credit unions. Its competitive advantages include its expertise in niche lending markets, its servicing platform, and its ability to provide customized financing solutions. Its disadvantages include its smaller size and reliance on external funding sources.
Major Acquisitions
Mosaic Real Estate Investors
- Year: 2021
- Acquisition Price (USD millions): 91
- Strategic Rationale: Expands Ready Capital's presence in the commercial real estate bridge lending market.
Growth Trajectory and Initiatives
Historical Growth: Ready Capital's growth has been driven by organic loan origination, acquisitions, and expansion into new business lines.
Future Projections: Future growth is expected to be driven by continued demand for SBC and SBA loans, as well as potential acquisitions. Analyst estimates vary depending on market conditions and company performance.
Recent Initiatives: Recent initiatives include focusing on strategic acquisitions, enhancing its servicing platform, and expanding its origination capabilities.
Summary
Ready Capital is a specialty finance company focused on the small-balance commercial and SBA lending markets. The company has shown growth through strategic acquisitions and organic expansion. However, Ready Capital faces challenges related to rising interest rates, economic uncertainty, and competition within the CRE lending space. Strategic moves focusing on the most profitable and sustainable sectors will allow it to flourish.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and thorough research. Market share data is based on estimates and may not be precise.
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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