REIT - Mortgage
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LADR vs RC
Revenue, margins, valuation, and 5-year total return — side by side.
REIT - Mortgage
LADR vs RC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $1.31B | $324M |
| Revenue (TTM) | $388M | $-9M |
| Net Income (TTM) | $64M | $-311M |
| Gross Margin | 71.5% | 100.0% |
| Operating Margin | 61.7% | — |
| Forward P/E | 10.2x | — |
| Total Debt | $3.51B | $6.04B |
| Cash & Equiv. | $38M | $144M |
LADR vs RC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Ladder Capital Corp (LADR) | 100 | 129.1 | +29.1% |
| Ready Capital Corpo… (RC) | 100 | 34.1 | -65.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LADR vs RC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
LADR carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.65, yield 9.1%
- Rev growth -23.3%, EPS growth -40.7%, 3Y rev CAGR -10.3%
- 84.6% 10Y total return vs RC's 5.5%
RC is the clearest fit if your priority is dividends.
- 60.4% yield, vs LADR's 9.1%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | -23.3% FFO/revenue growth vs RC's -93.0% | |
| Quality / Margins | 16.5% margin vs RC's -15.9% | |
| Stability / Safety | Beta 0.65 vs RC's 1.17, lower leverage | |
| Dividends | 60.4% yield, vs LADR's 9.1% | |
| Momentum (1Y) | +7.6% vs RC's -48.9% | |
| Efficiency (ROA) | 1.4% ROA vs RC's -3.7% |
LADR vs RC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
LADR vs RC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
LADR leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
LADR and RC operate at a comparable scale, with $388M and -$9M in trailing revenue. LADR is the more profitable business, keeping 16.5% of every revenue dollar as net income compared to RC's -15.9%. On growth, LADR holds the edge at -20.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $388M | -$9M |
| EBITDAEarnings before interest/tax | $273M | -$95M |
| Net IncomeAfter-tax profit | $64M | -$311M |
| Free Cash FlowCash after capex | $87M | $366M |
| Gross MarginGross profit ÷ Revenue | +71.5% | +100.0% |
| Operating MarginEBIT ÷ Revenue | +61.7% | — |
| Net MarginNet income ÷ Revenue | +16.5% | -15.9% |
| FCF MarginFCF ÷ Revenue | +22.4% | -187.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | -20.5% | -69.8% |
| EPS Growth (YoY)Latest quarter vs prior year | -48.0% | -86.2% |
Valuation Metrics
RC leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | ||
|---|---|---|
| Market CapShares × price | $1.3B | $324M |
| Enterprise ValueMkt cap + debt − cash | $4.8B | $6.2B |
| Trailing P/EPrice ÷ TTM EPS | 20.12x | -0.76x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.19x | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 17.27x | — |
| Price / SalesMarket cap ÷ Revenue | 3.33x | 11.83x |
| Price / BookPrice ÷ Book value/share | 0.87x | 0.18x |
| Price / FCFMarket cap ÷ FCF | 15.00x | — |
Profitability & Efficiency
LADR leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
LADR delivers a 4.3% return on equity — every $100 of shareholder capital generates $4 in annual profit, vs $-17 for RC. LADR carries lower financial leverage with a 2.37x debt-to-equity ratio, signaling a more conservative balance sheet compared to RC's 3.12x. On the Piotroski fundamental quality scale (0–9), LADR scores 4/9 vs RC's 1/9, reflecting mixed financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +4.3% | -16.6% |
| ROA (TTM)Return on assets | +1.4% | -3.7% |
| ROICReturn on invested capital | +4.4% | — |
| ROCEReturn on capital employed | +5.0% | — |
| Piotroski ScoreFundamental quality 0–9 | 4 | 1 |
| Debt / EquityFinancial leverage | 2.37x | 3.12x |
| Net DebtTotal debt minus cash | $3.5B | $5.9B |
| Cash & Equiv.Liquid assets | $38M | $144M |
| Total DebtShort + long-term debt | $3.5B | $6.0B |
| Interest CoverageEBIT ÷ Interest expense | 1.38x | — |
Total Returns (Dividends Reinvested)
LADR leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in LADR five years ago would be worth $12,831 today (with dividends reinvested), compared to $5,503 for RC. Over the past 12 months, LADR leads with a +7.6% total return vs RC's -48.9%. The 3-year compound annual growth rate (CAGR) favors LADR at 11.9% vs RC's -23.7% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | -5.5% | -6.1% |
| 1-Year ReturnPast 12 months | +7.6% | -48.9% |
| 3-Year ReturnCumulative with dividends | +40.2% | -55.6% |
| 5-Year ReturnCumulative with dividends | +28.3% | -45.0% |
| 10-Year ReturnCumulative with dividends | +84.6% | +5.5% |
| CAGR (3Y)Annualised 3-year return | +11.9% | -23.7% |
Risk & Volatility
LADR leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
LADR is the less volatile stock with a 0.65 beta — it tends to amplify market swings less than RC's 1.17 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. LADR currently trades 86.1% from its 52-week high vs RC's 42.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.65x | 1.17x |
| 52-Week HighHighest price in past year | $11.92 | $4.75 |
| 52-Week LowLowest price in past year | $9.61 | $1.51 |
| % of 52W HighCurrent price vs 52-week peak | +86.1% | +42.1% |
| RSI (14)Momentum oscillator 0–100 | 48.6 | 54.7 |
| Avg Volume (50D)Average daily shares traded | 848K | 2.1M |
Analyst Outlook
RC leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates LADR as "Buy" and RC as "Buy". Consensus price targets imply 26.7% upside for LADR (target: $13) vs 25.0% for RC (target: $3). For income investors, RC offers the higher dividend yield at 60.44% vs LADR's 9.07%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $13.00 | $2.50 |
| # AnalystsCovering analysts | 17 | 16 |
| Dividend YieldAnnual dividend ÷ price | +9.1% | +60.4% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.93 | $1.21 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.9% | +25.4% |
LADR leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). RC leads in 2 (Valuation Metrics, Analyst Outlook).
LADR vs RC: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is LADR or RC a better buy right now?
For growth investors, Ladder Capital Corp (LADR) is the stronger pick with -23.
3% revenue growth year-over-year, versus -93. 0% for Ready Capital Corporation (RC). Ladder Capital Corp (LADR) offers the better valuation at 20. 1x trailing P/E (10. 2x forward), making it the more compelling value choice. Analysts rate Ladder Capital Corp (LADR) a "Buy" — based on 17 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — LADR or RC?
Over the past 5 years, Ladder Capital Corp (LADR) delivered a total return of +28.
3%, compared to -45. 0% for Ready Capital Corporation (RC). Over 10 years, the gap is even starker: LADR returned +84. 6% versus RC's +5. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — LADR or RC?
By beta (market sensitivity over 5 years), Ladder Capital Corp (LADR) is the lower-risk stock at 0.
65β versus Ready Capital Corporation's 1. 17β — meaning RC is approximately 82% more volatile than LADR relative to the S&P 500. On balance sheet safety, Ladder Capital Corp (LADR) carries a lower debt/equity ratio of 2% versus 3% for Ready Capital Corporation — giving it more financial flexibility in a downturn.
04Which is growing faster — LADR or RC?
By revenue growth (latest reported year), Ladder Capital Corp (LADR) is pulling ahead at -23.
3% versus -93. 0% for Ready Capital Corporation (RC). On earnings-per-share growth, the picture is similar: Ladder Capital Corp grew EPS -40. 7% year-over-year, compared to -217. 9% for Ready Capital Corporation. Over a 3-year CAGR, LADR leads at -10. 3% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — LADR or RC?
Ladder Capital Corp (LADR) is the more profitable company, earning 16.
4% net margin versus -1593. 0% for Ready Capital Corporation — meaning it keeps 16. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LADR leads at 62. 0% versus 0. 0% for RC. At the gross margin level — before operating expenses — RC leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is LADR or RC more undervalued right now?
Analyst consensus price targets imply the most upside for LADR: 26.
7% to $13. 00.
07Which pays a better dividend — LADR or RC?
All stocks in this comparison pay dividends.
Ready Capital Corporation (RC) offers the highest yield at 60. 4%, versus 9. 1% for Ladder Capital Corp (LADR).
08Is LADR or RC better for a retirement portfolio?
For long-horizon retirement investors, Ladder Capital Corp (LADR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
65), 9. 1% yield). Both have compounded well over 10 years (LADR: +84. 6%, RC: +5. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between LADR and RC?
Both stocks operate in the Real Estate sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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