RC
Real Estate · REIT - Mortgage
Performance
RC (RC) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
RC (RC) operates in the REIT - Mortgage space within the Real Estate sector. With a market cap of $288M, it qualifies as a small-cap company.
- Current ratio of 5.0× — ample short-term liquidity
- Dividend yield of 2.33% provides consistent income on top of price appreciation
- Price is near its 52-week low — potential entry point with asymmetric upside
- Thin profit margin of 0.0% — little buffer against cost increases
- Negative ROE of -28.5% — shareholder equity is being eroded
- High debt-to-equity of 324.32× increases financial risk, especially with elevated interest rates
Verdict
Hold
Mixed signals — strengths and risks roughly balance. Wait for a clearer catalyst.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
2.33%
5Y Avg Annual
$0.9230
Last Payment
$0.0100
Ex-Date
03/31/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest03/31/2026 | 04/30/2026 | $0.0100 | 2.30% |
12/31/2025 | 01/30/2026 | $0.0100 | 2.30% |
09/30/2025 | 10/30/2025 | $0.1250 | 28.74% |
06/30/2025 | 07/30/2025 | $0.1250 | 28.74% |
03/31/2025 | 04/30/2025 | $0.1250 | 28.74% |
12/31/2024 | 01/30/2025 | $0.2500 | 57.47% |
09/30/2024 | 10/30/2024 | $0.2500 | 57.47% |
06/28/2024 | 07/28/2024 | $0.3000 | 68.97% |
Magic Number
Shares needed to self-fund your next purchase
$1.74
Price
$0.0100
Last div. (quarterly)
174
shares
Own 174 RC shares ($302.76) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$302.76
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Aug 6, 2026
51
days
EPS (TTM)
$-3.12
P/E (TTM)
—
Fwd P/E
-3.0
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $1.74
Graham Number
√(22.5 × EPS × Book Value)
N/A
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$20.88
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
5/10
63% score
Pays dividends
13Y hist.13+ years of dividend history
Dividend consistency (5Y+)
13 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
-28.5%Return on equity — measures how efficiently capital is used
Positive profit margin
0.0%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
Annual revenue must be growing compared to the prior year
Earnings growth (annual)
Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
324.32×Low financial leverage reduces risk of distress
Current ratio above 1
4.96×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$3M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.33%Stock must distribute income to shareholders
Related Assets
Real Estate
About RC
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.
Sector
Real Estate
Industry
REIT - Mortgage
Location
New York, United States
Employees
400