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Home CompaniesReady Capital Corp

Ready Capital Corp

Real Estate REIT - Mortgage
PortfolioPortfolio WatchlistWatchlist
Company price
0.94585 USD -0.06 ( 6.35%)
Last update at 2026-11-11T20:56:00Z
VOLUME
3685541
Market Cap
264.82M

Momentum Score

…

Ready Capital Corporation operates as a real estate finance company in the United States. The company operates through two segments: LMM Commercial Real Estate and Small Business Lending. Its LMM Commercial Real Estate segment originates LLM loans across the full life-cycle of an LLM property, including construction, bridge, stabilized, and agency loan origination channels. The Small Business Lending segment acquires, originates, and services owner-occupied loans guaranteed by the SBA under its SBA Section 7(a) Program; and originates, and services USDA loans, as well as small business loans. The company originates, acquires, finances, and services lower-to-middle-market (LLM) commercial real estate loans, small business administration (SBA) loans, residential mortgage loans, construction loans, USDA loans, and mortgage-backed securities collateralized primarily by LLM loans, or other real estate-related investments. It has elected to be taxed as a real estate investment trust (REIT) and 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
0.92
Low
1.03
High
52 Week Price Range
1.39
Low
4.20
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Ready Capital Corporation is a publicly traded mortgage real estate investment trust that originates, acquires and manages commercial real estate loans and mortgage-related assets, with a focus on small-balance and multifamily lending. Its long-term growth drivers include expanding loan originations, portfolio scale and net interest margin from financing and securitization, which may support yield generation for investors.

Key risks are interest-rate sensitivity, credit losses from CRE exposure and leverage that could amplify earnings and dividend volatility.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
1.01
Dividend Yield
9.51%
Revenue TTM
-270.31M
Revenue Per Share
-1.65
Gross Profit TTM
-303.80M
Debt / Equity
3.78
ROE
-33.45%
Net Debt
5615.43M
ROCE
2.79%
Diluted EPS TTM
-3.37

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -302.56M -516.51M 358.42M 232.90M 189.06M
Minority interest -7.85M -5.36M -10.07M -8.90M -2.23M
Net income -228.91M -435.75M 339.45M 194.26M 157.74M
Selling general administrative 107.41M 96.73M 95.15M 131.18M 118.44M
Selling and marketing expenses 1.32M 2.00M 1.12M 2.12M 3.02M
Gross profit 437.87M 27.35M 389.94M 404.94M 324.97M
Reconciled depreciation 2.81M 0.00M 0.00M - -
Ebit 211.57M 179.94M 1074.89M 624.77M 400.39M
Ebitda 214.38M 199.72M 1095.11M 644.83M 186.83M
Depreciation and amortization 2.81M 19.77M 20.23M 20.06M -23.56M
Operating income 120.96M -412.00M 223.22M 624.77M 186.83M
Other operating expenses 378.51M 27.35M 389.94M 18.09M 196.55M
Interest expense 514.12M 696.46M 716.47M 400.77M 213.56M
Tax provision -86.70M -104.51M 6.35M 29.73M 29.08M
Interest income 569.17M 896.98M 908.12M 121.72M 403.50M
Net interest income 55.04M 200.52M 240.14M 270.40M 189.94M
Extraordinary items -5.21M -18.40M -2.83M - -
Income tax expense -86.70M -104.51M 7.17M 29.73M 29.08M
Total revenue 499.47M 27.35M 389.94M 460.25M 383.37M
Total operating expenses 316.91M 27.35M 389.94M 18.09M -196.55M
Cost of revenue 61.61M 108.27M 59.59M 55.30M 58.40M
Total other income expense net -423.52M -516.51M 358.42M -391.87M 2.23M
Net income from continuing ops -215.85M -412.00M 351.21M 203.16M 159.97M
Net income applicable to common shares -245.58M -452.88M 322.17M 176.71M 150.24M
Preferred stock and other adjustments - - - - 7.50M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 7769.80M 10141.92M 12441.22M 11620.98M 9534.03M
Intangible assets 164.45M 165.45M 120.59M 279.32M 204.60M
Other current assets -135.92M -391.42M 123.26M 535.48M 8727.36M
Total liab 6118.17M 8206.18M 9794.45M 9722.38M 8253.43M
Total stockholder equity 1552.39M 1838.05M 2548.30M 1799.45M 1276.10M
Deferred long term liab - - - 41.84M 29.76M
Other current liab 204.49M -370.38M 153.58M -176.52M -655.96M
Common stock 0.02M 0.02M 0.02M 0.01M 0.01M
Capital stock 111.39M 111.39M 111.39M 119.75M 119.75M
Retained earnings -807.52M -505.09M 124.41M 4.99M 8.60M
Other liab - - - 40.30M 16.40M
Good will 49.50M 49.50M 38.53M 37.82M 31.47M
Other assets 7561.95M 10141.92M 12441.22M 10897.74M 8848.98M
Cash 247.59M 143.80M 138.53M 163.04M 229.53M
Cash and equivalents 207.84M 143.80M 138.53M 163.04M 229.53M
Total current liabilities 200.13M 2183.79M 345.13M 457.75M 655.96M
Net debt 5615.43M 5891.37M 7105.57M 9026.55M 6744.69M
Short term debt 200.13M 317.05M 149.92M 457.75M 471.88M
Short long term debt 385.12M 317.05M 149.92M 517.02M 471.88M
Short long term debt total 5863.02M 6035.17M 7244.10M 9189.59M 6974.22M
Other stockholder equity 2264.36M 2250.29M 2321.99M 1684.07M 1161.85M
Property plant equipment 263.45M 7.36M 2.54M 1.69M 2.40M
Total current assets 207.84M 143.80M 272.89M 289.93M 237.40M
Long term investments 275.81M 288.38M 7061.35M 153.99M 240.64M
Net tangible assets - - - 1625.58M 1164.73M
Short term investments - - 2.40M 118.64M 141.15M
Net receivables 96.17M 247.62M 131.29M 8.25M 7.87M
Long term debt 3130.71M 5700.32M 7085.97M 9335.96M 6974.22M
Inventory - - -129.93M - -
Accounts payable 59.69M 53.33M 41.62M 176.52M 184.08M
Noncontrolling interest in consolidated entity - - - - 4.49M
Accumulated other comprehensive income -24.20M -18.55M -17.86M -9.37M -5.73M
Common stock total equity - - - - 0.01M
Preferred stock total equity - - - - 111.38M
Retained earnings total equity - - - - 8.60M
Non currrent assets other -2600.24M -510.69M -6127.56M -1.69M -447.64M
Non current assets total - 929.29M 933.79M 433.31M 447.64M
Capital lease obligations 8.56M 17.81M 8.21M 1.78M 3.00M
Long term debt total 2785.46M 6609.62M 8511.16M 9335.96M 7915.72M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -27.14M 1535.02M 617.31M -1556.43M 1974.50M
Change to liabilities - - - -58.42M 29.61M
Total cashflows from investing activities 2278.14M 1861.05M 1037.51M -1556.43M -1718.40M
Net borrowings -1820.52M -1537.41M -855.05M 1345.25M 1980.40M
Total cash from financing activities -2037.69M -1879.78M -1085.09M 1170.98M 1875.69M
Change to operating activities - - - 62.20M -53.05M
Net income -224.38M -418.49M 341.00M 203.16M 159.97M
Change in cash 73.22M 5.77M -50.37M -26.30M 122.85M
Begin period cash flow 174.36M 168.59M 218.97M 323.33M 200.48M
End period cash flow 247.59M 174.36M 168.59M 297.03M 323.33M
Total cash from operating activities -203.48M -51.22M 33.07M 359.15M -34.44M
Issuance of capital stock 0.00M 0.00M 0.11M 123.49M 165.05M
Depreciation 51.77M 19.77M 20.23M 15.06M -23.56M
Other cashflows from investing activities 2186.61M 1859.23M 942.95M -1545.46M -1718.40M
Dividends paid 113.32M 206.06M 215.09M 187.83M 111.92M
Change to inventory - - -141.23M - -29.61M
Change to account receivables -2.97M 1.95M -31.54M -3.73M 8.14M
Sale purchase of stock -67.60M -82.25M -18.11M -36.97M -109.37M
Other cashflows from financing activities -6.43M -41.89M 35.27M 12851.74M 17098.42M
Change to netincome - - - 178.11M -185.76M
Capital expenditures 2.37M 1.41M 929.05M 10.97M 3704.81M
Change receivables - - - - 9.51M
Cash flows other operating - - - - -152.13M
Cash and cash equivalents changes - - - - 122.85M
Change in working capital -155.93M -134.79M -132.97M -28.29M -17.25M
Stock based compensation 5.81M 8.12M 7.55M 7.50M 6.92M
Other non cash items 125.05M 482.28M -195.18M 176.78M -184.09M
Free cash flow -203.48M -51.22M 33.07M 359.15M -3739.25M

Peer Comparison*

Sector: Real Estate Industry: REIT - Mortgage

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
RC
Ready Capital Corp		 -0.06
6.35%		 0.95 - 7.05 5.91 0.24 119.63 15.96
NLY
Annaly Capital Management, Inc.		 -0.35
1.90%		 18.36 5.27 6.78 4.96 1.09 17.69 -
NLY-PG
Annaly Capital Management Inc		 -
-%		 25.03 14.19 - 5.46 - - -
NLY-PF
Annaly Capital Management Inc		 0.03
0.12%		 25.50 14.25 - 5.42 - - -
AGNC
AGNC Investment Corp.		 -0.26
2.97%		 8.48 8.39 6.99 6.97 1.16 0.03 -

Profile*

Ready Capital Corp

Ready Capital Corporation operates as a real estate finance company in the United States. The company operates through two segments: LMM Commercial Real Estate and Small Business Lending. Its LMM Commercial Real Estate segment originates LLM loans across the full life-cycle of an LLM property, including construction, bridge, stabilized, and agency loan origination channels. The Small Business Lending segment acquires, originates, and services owner-occupied loans guaranteed by the SBA under its SBA Section 7(a) Program; and originates, and services USDA loans, as well as small business loans. The company originates, acquires, finances, and services lower-to-middle-market (LLM) commercial real estate loans, small business administration (SBA) loans, residential mortgage loans, construction loans, USDA loans, and mortgage-backed securities collateralized primarily by LLM loans, or other real estate-related investments. It has elected to be taxed as a real estate investment trust (REIT) and 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.

1251 Avenue of the Americas, New York, NY, United States, 10020

212 257 4600

https://www.readycapital.com

442

Name Title Year Born
Mr. Andrew Ahlborn CPA CFO & Sec. 1984
Mr. Gary T. Taylor Chief Operating Officer 1959
Mr. Thomas Edward Capasse Chairman, CEO & Chief Investment Officer 1957
Mr. Jack Jay Ross CPA Pres & Director 1957
Mr. Brian Dunn Director of Fin. Division NA
Mr. Alex Ovalle MD & National Sales Mang. NA
Mr. Richard Katzenstein MD & Head of Strategic Partnerships NA
David A. Cohen MD & Co-Head of the National Bridge Lending Platform NA
Mr. Andrew Ahlborn CPA CFO & Secretary 1985
Mr. Jack Jay Ross CPA President & Director 1957

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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