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Upturn AI SWOT - About
Ready Capital Corporation (RCB)
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Upturn Advisory Summary
08/14/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 5.16% | Avg. Invested days 101 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
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 was founded in 2011. It's a real estate finance company specializing in small balance commercial (SBC) loans and small Business Administration (SBA) loans. It has grown through acquisitions and organic growth, focusing on underserved segments of the commercial real estate market.
Core Business Areas
- SBC Lending: Originates, acquires, and services SBC loans, typically ranging from $1 million to $10 million, secured by commercial real estate.
- Small Business Lending: Originates, acquires, and services government guaranteed loans including SBA 7(a) and USDA loans.
- Residential Mortgage Banking: Originates, acquires, and services residential mortgage loans.
Leadership and Structure
Thomas Capasse serves as the Chairman and Chief Executive Officer. The company operates with a structured leadership team managing various business segments and functional departments.
Top Products and Market Share
Key Offerings
- SBC Loans: Small Balance Commercial loans for commercial real estate. Market share data is difficult to pinpoint precisely but Ready Capital is a significant player in the space. Competitors include Arbor Realty Trust, Ladder Capital, and other REITs focusing on commercial real estate lending.
- SBA 7(a) Loans: Government-guaranteed loans for small businesses. Market share information is not readily available at a granular level. Competitors include Live Oak Bancshares and other banks specializing in SBA lending.
Market Dynamics
Industry Overview
The commercial real estate finance industry is competitive, with various players ranging from large banks to specialized REITs. The industry is influenced by interest rates, economic conditions, and regulatory changes.
Positioning
Ready Capital is positioned as a specialist lender focusing on underserved segments, such as SBC loans and SBA loans. Its competitive advantage lies in its expertise in these niche markets and its established origination and servicing platform.
Total Addressable Market (TAM)
The total addressable market is estimated to be in the hundreds of billions of dollars. Ready Capital is positioned to capture a portion of this market through its specialized lending programs and established relationships.
Upturn SWOT Analysis
Strengths
- Expertise in niche lending markets (SBC and SBA)
- Established origination and servicing platform
- Diversified revenue streams
- Experienced management team
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on government guarantees for SBA loans
- Smaller market capitalization compared to larger competitors
- Credit risk associated with lending activities
Opportunities
- Expansion into new geographic markets
- Increased demand for SBC and SBA loans
- Strategic acquisitions
- Development of new lending products
Threats
- Increased competition from other lenders
- Economic downturn leading to loan defaults
- Changes in government regulations impacting SBA lending
- Rising interest rates
Competitors and Market Share
Key Competitors
- ARR
- LADR
- LIVK
Competitive Landscape
Ready Capital competes with other REITs, banks, and specialized lenders. Its advantages include its expertise in niche markets and its established origination platform. Disadvantages include its smaller market capitalization compared to larger competitors.
Major Acquisitions
Mosaic Real Estate Investors
- Year: 2021
- Acquisition Price (USD millions): 91.3
- Strategic Rationale: The acquisition provided Ready Capital with a fully integrated commercial real estate debt platform, enhancing its origination and servicing capabilities.
Growth Trajectory and Initiatives
Historical Growth: Ready Capital has grown through acquisitions and organic origination of loans. Growth has been driven by demand for SBC and SBA loans.
Future Projections: Analyst estimates vary depending on market conditions and company performance. Projections generally anticipate continued growth in loan origination and servicing activities.
Recent Initiatives: Recent initiatives include focusing on strategic partnerships and expanding its origination platform to reach a broader customer base.
Summary
Ready Capital is a specialty finance company focused on niche lending markets. Its expertise in SBC and SBA loans provides a competitive advantage, but it faces risks related to interest rate fluctuations and credit quality. Growth opportunities exist through expansion and strategic acquisitions. Investors should closely monitor financial performance and market conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Ready Capital Corporation Investor Relations
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and analyst estimates. It is not financial advice, and investors should conduct their own due diligence before making investment decisions. Market share data is approximate and may vary depending on the source.
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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