RC- Ready Capital Corporation
Real Estate · REIT - Mortgage
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
Wall Street consensus from 3 analysts
12-Month Price Target
$1.80
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $1.63
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%
-33.4%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×
351.20×Low financial leverage reduces risk of distress
Current ratio above 1
6.46×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$2M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.44%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Nov 5, 2026
51
days
EPS (TTM)
$-3.43
P/E (TTM)
-
Fwd P/E
-2.3
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
2.44%
5Y Avg Annual
$0.9250
Last Payment
$0.0100
Ex-Date
06/30/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest06/30/2026 | 07/31/2026 | $0.0100 | 2.45% |
03/31/2026 | 05/01/2026 | $0.0100 | 2.45% |
12/31/2025 | 01/31/2026 | $0.0100 | 2.45% |
09/30/2025 | 10/31/2025 | $0.1250 | 30.67% |
06/30/2025 | 07/31/2025 | $0.1250 | 30.67% |
03/31/2025 | 05/01/2025 | $0.1250 | 30.67% |
12/31/2024 | 01/31/2025 | $0.2500 | 61.35% |
09/30/2024 | 10/31/2024 | $0.2500 | 61.35% |
Magic Number
Shares needed to self-fund your next purchase
$1.63
Price
$0.0100
Last div. (quarterly)
163
shares
Own 163 RC shares ($265.69) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$265.69
New shares / year
+4 shares
Dividend Calculator
2.45% yieldEstimate RC dividend income at the current rate.
Per year
$245.4
Per month
$20.45
≈ 6,135 shares at $0.04/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
RC vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About Ready Capital Corporation
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
442
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Ready Capital Corporation (RC) stock trades at $1.63, down 0.61% on the day. With a market capitalization of $270 million, RC is a micro-cap real estate stock. It trades at earnings per share (EPS) of $-3.43. Over the most recent period the company reported a net profit margin of 0.0%. Below you'll find RC's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
RC - Frequently Asked Questions
Is Ready Capital Corporation (RC) a good stock to buy in 2026?
Ready Capital Corporation (RC) shows risks such as high leverage (debt/equity of 351.2). Whether RC is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is RC's stock price today?
Ready Capital Corporation (RC) trades at $1.63, down 0.61% on the session. Prices on this page update throughout the trading day.
Does RC pay a dividend?
Yes. Ready Capital Corporation pays an annual dividend of $0.04 per share, a dividend yield of 2.44%. The most recent ex-dividend date was June 30, 2026. Its payout ratio is about 91% of earnings.
What is RC's market cap?
Ready Capital Corporation (RC) has a market capitalization of $270 million, classifying it as a micro-cap stock in the Real Estate sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.