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Ready Capital Corporation (RCB)
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Upturn Advisory Summary
12/04/2025: 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 9.08% | Avg. Invested days 118 | 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 12/04/2025 |
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 operates as a real estate finance company focused on originating, acquiring, financing and servicing small to medium balance commercial loans.
Core Business Areas
- Small Balance Commercial (SBC) Lending: Originates and acquires SBC loans secured by stabilized income-producing properties.
- Small Business Administration (SBA) Lending: Originates SBA 7(a) loans.
- Residential Mortgage Banking: Residential real estate mortgage loans sold on the secondary market. The company is in the process of winding down this business segment
- Bridge Lending: Originates short-term, interest-only loans for borrowers seeking capital for transitional properties.
- Loan Servicing: Services loans originated by Ready Capital and third parties.
Leadership and Structure
Thomas Capasse serves as the Chairman and CEO. The company has a standard corporate structure with a board of directors and executive management team overseeing various operational divisions.
Top Products and Market Share
Key Offerings
- SBC Loans: Loans range from $1 million to $10 million, secured by commercial real estate. Market share data is not readily available for Ready Capital individually. Competitors include banks and other non-bank lenders. Revenue from this segment is substantial, representing a significant portion of Ready Capital's income.
- SBA 7(a) Loans: Government-guaranteed loans to small businesses. Market share data for Ready Capital individually not readily available. Competitors include banks and credit unions that offer SBA loans. This segment contributes significantly to the companyu2019s loan origination volume.
- Bridge Loans: Short-term financing for transitional properties. Market share data is difficult to ascertain specifically for Ready Capital. Competitors include private equity funds and other specialty finance companies.
Market Dynamics
Industry Overview
The commercial real estate lending market is competitive, with banks, credit unions, private lenders, and REITs all vying for market share. The SBA lending market is also competitive, with a large number of approved lenders.
Positioning
Ready Capital focuses on the underserved small balance commercial loan market, differentiating itself through its specialized lending programs and established servicing platform. Ready Capital seeks to differentiate on speed of execution and expertise.
Total Addressable Market (TAM)
The estimated TAM for commercial real estate lending is in the trillions of dollars. Ready Capital is positioned to capture a small but significant portion of this market through its focus on the SBC segment.
Upturn SWOT Analysis
Strengths
- Established servicing platform
- Focus on underserved SBC loan market
- Diversified lending programs
- Experienced management team
- Strong relationships with brokers and borrowers
Weaknesses
- Sensitivity to interest rate fluctuations
- Credit risk associated with lending activities
- Reliance on external funding sources
- Winding down Residential Mortgage Banking segment
- Potential for increased competition
Opportunities
- Expansion into new geographic markets
- Increased demand for SBC loans
- Strategic acquisitions of complementary businesses
- Development of new lending products
- Growth in the SBA lending market
Threats
- Economic downturn impacting commercial real estate values
- Increased interest rates affecting borrower affordability
- Regulatory changes impacting lending practices
- Competition from larger financial institutions
- Rising delinquencies and defaults
Competitors and Market Share
Key Competitors
- BXMT
- STAR
- KKR
- ARI
- TPVG
Competitive Landscape
Ready Capital competes with a mix of larger REITs and smaller private lenders. It differentiates itself with speed and focus on SBC segment.
Major Acquisitions
Mosaic Real Estate Investors
- Year: 2021
- Acquisition Price (USD millions): 40
- Strategic Rationale: Enhanced Ready Capital's presence in the bridge lending market.
Growth Trajectory and Initiatives
Historical Growth: Ready Capital has experienced growth through loan origination and strategic acquisitions.
Future Projections: Future growth projections are dependent on market conditions and the company's ability to execute its business strategy.
Recent Initiatives: Recent initiatives include expanding into new lending markets and enhancing its servicing platform.
Summary
Ready Capital is a specialized lender focused on the small balance commercial real estate market, which offers a niche in a very large market. Their servicing platform provides a competitive advantage but the company is exposed to risks associated with interest rate fluctuations and economic downturns. Strategic acquisitions has aided growth and may continue to do so. Ready Capital's ability to manage credit risk and execute its growth strategy will determine its long-term success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Financial News Articles
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is based on available estimates and may not be precise. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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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