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RITM 
Rithm Capital Corp. (RITM)
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Upturn Advisory Summary
01/09/2026: RITM (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $14.28
1 Year Target Price $14.28
| 7 | Strong Buy |
| 4 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.93% | Avg. Invested days 56 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.31B USD | Price to earnings Ratio 7.8 | 1Y Target Price 14.28 |
Price to earnings Ratio 7.8 | 1Y Target Price 14.28 | ||
Volume (30-day avg) 11 | Beta 1.22 | 52 Weeks Range 8.54 - 12.18 | Updated Date 01/9/2026 |
52 Weeks Range 8.54 - 12.18 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 8.97% | Basic EPS (TTM) 1.46 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.78% | Operating Margin (TTM) 25.12% |
Management Effectiveness
Return on Assets (TTM) 2.06% | Return on Equity (TTM) 11.04% |
Valuation
Trailing PE 7.8 | Forward PE 5.18 | Enterprise Value 39433363456 | Price to Sales(TTM) 1.59 |
Enterprise Value 39433363456 | Price to Sales(TTM) 1.59 | ||
Enterprise Value to Revenue 13.34 | Enterprise Value to EBITDA - | Shares Outstanding 554196670 | Shares Floating 551896754 |
Shares Outstanding 554196670 | Shares Floating 551896754 | ||
Percent Insiders 0.43 | Percent Institutions 54.61 |
Upturn AI SWOT
Rithm Capital Corp.
Company Overview
History and Background
Rithm Capital Corp. (formerly New Residential Investment Corp.) was established in 2013 as a publicly traded real estate investment trust (REIT) focused on residential real estate investments. In 2023, the company rebranded to Rithm Capital Corp. to reflect its broader strategic focus beyond traditional mortgage REIT activities. Significant milestones include its IPO, strategic acquisitions, and diversification into various financial services and real estate-related businesses.
Core Business Areas
- Mortgage Origination and Servicing: Rithm Capital operates a significant mortgage origination and servicing business through its subsidiaries, facilitating residential mortgage lending and managing loan portfolios.
- Asset Management: The company manages a diverse portfolio of real estate-related assets, including mortgage servicing rights (MSRs), real estate-owned (REO) properties, and other financial instruments.
- Real Estate Investment: Rithm Capital invests in various forms of real estate, including single-family rental properties, commercial real estate, and other opportunistic real estate ventures.
- Technology and Servicing Platforms: The company invests in and develops technology solutions to enhance its servicing and origination capabilities, aiming for operational efficiency and improved customer experience.
Leadership and Structure
Rithm Capital Corp. is led by a seasoned management team with extensive experience in finance, real estate, and capital markets. The organizational structure is designed to manage its diverse business segments effectively, with dedicated teams overseeing each core area.
Top Products and Market Share
Key Offerings
- Mortgage Origination Services: Rithm Capital, through its origination platforms, offers a range of mortgage products to consumers, including fixed-rate and adjustable-rate mortgages. Market share data for specific product lines is often embedded within broader industry figures. Key competitors include major banks and independent mortgage lenders such as Rocket Mortgage, United Wholesale Mortgage, and loanDepot.
- Mortgage Servicing Rights (MSRs): Rithm Capital holds and services a substantial portfolio of MSRs, which represent the right to collect principal and interest payments on mortgages. This is a key asset class for the company, generating predictable income streams. Competitors in the MSR market include other mortgage servicers and financial institutions.
- Single-Family Rental Portfolio: The company owns and operates a portfolio of single-family rental homes, generating rental income and capital appreciation. Competitors in this space include other institutional landlords and smaller independent rental property owners.
Market Dynamics
Industry Overview
Rithm Capital operates within the U.S. financial services, mortgage, and real estate sectors. These industries are characterized by cyclicality, sensitivity to interest rates, regulatory oversight, and increasing technological adoption. The mortgage market is highly competitive and influenced by economic conditions and housing trends. The rental real estate market is driven by housing affordability, demographic shifts, and local economic factors.
Positioning
Rithm Capital positions itself as a diversified financial services company with a strong focus on residential real estate and mortgage-related assets. Its diversified business model, encompassing origination, servicing, and asset management, provides a degree of resilience. The company's strategic investments in technology aim to enhance its competitive edge in efficiency and customer service.
Total Addressable Market (TAM)
The TAM for Rithm Capital is multifaceted, encompassing the U.S. residential mortgage market (trillions of dollars in originations and outstanding balances) and the single-family rental market. The company's position within this TAM is substantial but fragmented, as it competes with numerous players across its various segments.
Upturn SWOT Analysis
Strengths
- Diversified business model across origination, servicing, and real estate investment.
- Significant expertise in mortgage servicing rights (MSRs).
- Strategic investments in technology to improve operational efficiency.
- Experienced management team with a strong track record.
- Ability to access capital markets for growth and acquisitions.
Weaknesses
- Sensitivity to interest rate fluctuations impacting MSR valuations and loan demand.
- Reliance on the performance of the U.S. housing market.
- Integration challenges from past acquisitions.
- Potential for increased regulatory scrutiny in the financial services sector.
Opportunities
- Expansion of mortgage origination and servicing channels.
- Growth in the single-family rental market through strategic acquisitions.
- Leveraging technology for new product development and enhanced customer experience.
- Strategic partnerships and joint ventures.
- Capitalizing on market dislocation for attractive asset acquisition.
Threats
- Rising interest rates leading to reduced mortgage origination volume and MSR devaluation.
- Economic recession impacting housing demand and rental occupancy.
- Increased competition from established financial institutions and new market entrants.
- Changes in government housing policy and regulations.
- Cybersecurity risks and data breaches.
Competitors and Market Share
Key Competitors
- Rocket Companies Inc. (RKT)
- United Wholesale Mortgage (UWMC)
- LoanDepot Inc. (LDI)
- Blackstone Inc. (BX) (for real estate investment and asset management)
- Other mortgage REITs and financial institutions involved in mortgage origination and servicing.
Competitive Landscape
Rithm Capital faces intense competition across its business segments. Its advantages lie in its diversified model and technological investments, while competitors may have greater scale in specific niches or stronger brand recognition. Differentiation through service quality, product innovation, and efficient operations is critical.
Major Acquisitions
Newrez LLC
- Year: 2019
- Acquisition Price (USD millions):
- Strategic Rationale: Acquisition to build a significant mortgage origination and servicing platform, integrating it with existing operations and expanding market reach.
Ditech Holding Corporation
- Year: 2019
- Acquisition Price (USD millions):
- Strategic Rationale: Acquisition to further bolster its mortgage servicing capabilities and expand its portfolio of mortgage-related assets.
Growth Trajectory and Initiatives
Historical Growth: Rithm Capital has demonstrated growth through a combination of organic expansion within its core businesses and strategic acquisitions. Its evolution from a pure mortgage REIT to a diversified financial services entity signifies a strategic growth trajectory.
Future Projections: Analyst projections for Rithm Capital would typically focus on revenue growth, EPS, and potential expansion into new markets or asset classes. Factors influencing these projections include interest rate forecasts, housing market stability, and the success of its integration strategies.
Recent Initiatives: Recent initiatives have included rebranding to Rithm Capital Corp., expanding its mortgage origination and servicing platforms, and making strategic investments in technology and real estate ventures to further diversify its income streams and enhance operational capabilities.
Summary
Rithm Capital Corp. is a diversified financial services company with a strong presence in the U.S. mortgage and real estate markets. Its strategic evolution towards broader financial services and investments has strengthened its resilience. The company benefits from its integrated model, technological advancements, and experienced leadership. However, it remains susceptible to interest rate volatility and broader economic downturns, necessitating careful management of its asset portfolio and operational efficiencies.
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Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations Website
- Financial News and Analysis Platforms (e.g., Bloomberg, Refinitiv, Yahoo Finance)
- Industry Reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute investment advice. Financial data and market share estimates are subject to change and may not be entirely accurate. 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 Rithm Capital Corp.
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2013-05-02 | Chairman, President & CEO Mr. Michael Nierenberg | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees 6045 | Website https://www.rithmcap.com |
Full time employees 6045 | Website https://www.rithmcap.com | ||
Rithm Capital Corp. operates as an asset manager focused on real estate, credit, and financial services in the United States. It operates through Origination and Servicing, Investment Portfolio, Residential Transitional Lending, and Asset Management segments. The company's investment portfolio primarily comprises of single-family rental properties, title, appraisal and property preservation and maintenance businesses; real estate securities, call rights, SFR properties, and residential mortgage loans; consumer and business purpose loans; and asset management related investments. 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 New Residential Investment Corp. and changed its name to Rithm Capital Corp. in August 2022. Rithm Capital Corp. was incorporated in 2011 and is based in New York, New York.
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