RCD
Ready Capital Corporation Notes -15.12.29
REIT - Mortgage
Market Cap$3.63B
5Y Perf.-11.1%
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Stock Comparison
RCD vs RC
Revenue, margins, valuation, and 5-year total return — side by side.
RC
Ready Capital Corporation
REIT - Mortgage
Market Cap$357M
5Y Perf.-68.3%
RCD vs RC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | RCD | RC |
|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $3.63B | $357M |
| Revenue (TTM) | $-9M | $499M |
| Net Income (TTM) | $-311M | $-229M |
| Gross Margin | 100.0% | -0.0% |
| Operating Margin | — | -50.5% |
| Total Debt | $6.04B | $5.86B |
| Cash & Equiv. | $144M | $248M |
RCD vs RC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
RCD
RC
| Stock | Dec 24 | May 26 | Return |
|---|---|---|---|
| Ready Capital Corpo… (RCD) | 100 | 88.9 | -11.1% |
| Ready Capital Corpo… (RC) | 100 | 31.7 | -68.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: RCD vs RC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RC leads in 4 of 6 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Ready Capital Corporation Notes -15.12.29 is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
RCD
Ready Capital Corporation Notes -15.12.29
The Real Estate Income Play
RCD is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 0.15, yield 5.4%
- Lower volatility, beta 0.15
- Beta 0.15, yield 5.4%
Best for: income & stability and sleep-well-at-night
RC
Ready Capital Corporation
The Real Estate Income Play
RC carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 17.3%, EPS growth 45.2%, 3Y rev CAGR 9.2%
- 6.1% 10Y total return vs RCD's 1.3%
- 17.3% FFO/revenue growth vs RCD's -93.0%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RC | 17.3% FFO/revenue growth vs RCD's -93.0% |
| Quality / Margins | RC | -45.8% margin vs RCD's -15.9% |
| Stability / Safety | RCD | Beta 0.15 vs RC's 1.17, lower leverage |
| Dividends | RC | 31.4% yield, vs RCD's 5.4% |
| Momentum (1Y) | RCD | +4.8% vs RC's -44.9% |
| Efficiency (ROA) | RC | -2.6% ROA vs RCD's -3.7% |
RCD vs RC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRCLAGGINGRCD
RCDReady Capital Corpora…
2leads
RCReady Capital Corpora…
4leads
6 Total Categories
CATEGORYLEADERvs RCDMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RC4/5
Valuation MetricsMultiples, price ratios, and targets
RC2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RC5/6
Total Returns1Y, 3Y, 5Y total returns with dividends
RCD5/6
Risk & VolatilityBeta, volatility, and downside exposure
RCD2/2
Analyst OutlookRatings, price targets, and dividends
RC1/1
Income & Cash Flow (Last 12 Months)
RC leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
RC and RCD operate at a comparable scale, with $499M and -$9M in trailing revenue. Profitability is closely matched — net margins range from -45.8% (RC) to -15.9% (RCD). On growth, RC holds the edge at +8.7% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | RCDReady Capital Cor… | RCReady Capital Cor… |
|---|---|---|
| RevenueTrailing 12 months | -$9M | $499M |
| EBITDAEarnings before interest/tax | -$95M | -$249M |
| Net IncomeAfter-tax profit | -$311M | -$229M |
| Free Cash FlowCash after capex | $366M | $303M |
| Gross MarginGross profit ÷ Revenue | +100.0% | -0.0% |
| Operating MarginEBIT ÷ Revenue | — | -50.5% |
| Net MarginNet income ÷ Revenue | -15.9% | -45.8% |
| FCF MarginFCF ÷ Revenue | -187.2% | +60.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | -69.8% | +8.7% |
| EPS Growth (YoY)Latest quarter vs prior year | -86.2% | +24.9% |
RC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
RC leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | RCDReady Capital Cor… | RCReady Capital Cor… |
|---|---|---|
| Market CapShares × price | $3.6B | $357M |
| Enterprise ValueMkt cap + debt − cash | $9.5B | $6.0B |
| Trailing P/EPrice ÷ TTM EPS | -8.52x | -1.50x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 48.25x |
| Price / SalesMarket cap ÷ Revenue | 132.59x | 0.71x |
| Price / BookPrice ÷ Book value/share | 1.97x | 0.22x |
| Price / FCFMarket cap ÷ FCF | — | — |
RC leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
RC leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
RC delivers a -12.2% return on equity — every $100 of shareholder capital generates $-12 in annual profit, vs $-17 for RCD. RCD carries lower financial leverage with a 3.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to RC's 3.55x. On the Piotroski fundamental quality scale (0–9), RC scores 5/9 vs RCD's 1/9, reflecting solid financial health.
| Metric | RCDReady Capital Cor… | RCReady Capital Cor… |
|---|---|---|
| ROE (TTM)Return on equity | -16.6% | -12.2% |
| ROA (TTM)Return on assets | -3.7% | -2.6% |
| ROICReturn on invested capital | — | +1.2% |
| ROCEReturn on capital employed | — | +1.4% |
| Piotroski ScoreFundamental quality 0–9 | 1 | 5 |
| Debt / EquityFinancial leverage | 3.12x | 3.55x |
| Net DebtTotal debt minus cash | $5.9B | $5.6B |
| Cash & Equiv.Liquid assets | $144M | $248M |
| Total DebtShort + long-term debt | $6.0B | $5.9B |
| Interest CoverageEBIT ÷ Interest expense | — | 0.41x |
RC leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
RCD leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RCD five years ago would be worth $10,126 today (with dividends reinvested), compared to $5,564 for RC. Over the past 12 months, RCD leads with a +4.8% total return vs RC's -44.9%. The 3-year compound annual growth rate (CAGR) favors RCD at 0.4% vs RC's -23.1% — a key indicator of consistent wealth creation.
| Metric | RCDReady Capital Cor… | RCReady Capital Cor… |
|---|---|---|
| YTD ReturnYear-to-date | +8.3% | +1.4% |
| 1-Year ReturnPast 12 months | +4.8% | -44.9% |
| 3-Year ReturnCumulative with dividends | +1.3% | -54.4% |
| 5-Year ReturnCumulative with dividends | +1.3% | -44.4% |
| 10-Year ReturnCumulative with dividends | +1.3% | +6.1% |
| CAGR (3Y)Annualised 3-year return | +0.4% | -23.1% |
RCD leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
RCD leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RCD is the less volatile stock with a 0.15 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. RCD currently trades 91.7% from its 52-week high vs RC's 45.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | RCDReady Capital Cor… | RCReady Capital Cor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.15x | 1.17x |
| 52-Week HighHighest price in past year | $24.45 | $4.75 |
| 52-Week LowLowest price in past year | $13.47 | $1.51 |
| % of 52W HighCurrent price vs 52-week peak | +91.7% | +45.5% |
| RSI (14)Momentum oscillator 0–100 | 70.3 | 64.1 |
| Avg Volume (50D)Average daily shares traded | 11K | 2.1M |
RCD leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
RC leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
For income investors, RC offers the higher dividend yield at 31.37% vs RCD's 5.39%.
| Metric | RCDReady Capital Cor… | RCReady Capital Cor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $2.50 |
| # AnalystsCovering analysts | — | 16 |
| Dividend YieldAnnual dividend ÷ price | +5.4% | +31.4% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $1.21 | $0.68 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.3% | +18.9% |
RC leads this category, winning 1 of 1 comparable metric.
Key Takeaway
RC leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). RCD leads in 2 (Total Returns, Risk & Volatility).
Best OverallReady Capital Corporation (RC)Leads 4 of 6 categories
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RCD vs RC: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is RCD or RC a better buy right now?
For growth investors, Ready Capital Corporation (RC) is the stronger pick with 1726% revenue growth year-over-year, versus -93.
0% for Ready Capital Corporation Notes -15. 12. 29 (RCD). Analysts rate Ready Capital Corporation (RC) a "Buy" — based on 16 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 — RCD or RC?
Over the past 5 years, Ready Capital Corporation Notes -15.
12. 29 (RCD) delivered a total return of +1. 3%, compared to -44. 4% for Ready Capital Corporation (RC). Over 10 years, the gap is even starker: RC returned +6. 1% versus RCD's +1. 3%. 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 — RCD or RC?
By beta (market sensitivity over 5 years), Ready Capital Corporation Notes -15.
12. 29 (RCD) is the lower-risk stock at 0. 15β versus Ready Capital Corporation's 1. 17β — meaning RC is approximately 674% more volatile than RCD relative to the S&P 500. On balance sheet safety, Ready Capital Corporation Notes -15. 12. 29 (RCD) carries a lower debt/equity ratio of 3% versus 4% for Ready Capital Corporation — giving it more financial flexibility in a downturn.
04Which is growing faster — RCD or RC?
By revenue growth (latest reported year), Ready Capital Corporation (RC) is pulling ahead at 1726% versus -93.
0% for Ready Capital Corporation Notes -15. 12. 29 (RCD). On earnings-per-share growth, the picture is similar: Ready Capital Corporation grew EPS 45. 2% year-over-year, compared to -217. 9% for Ready Capital Corporation Notes -15. 12. 29. Over a 3-year CAGR, RC leads at 9. 2% 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 — RCD or RC?
Ready Capital Corporation (RC) is the more profitable company, earning -45.
8% net margin versus -1593. 0% for Ready Capital Corporation Notes -15. 12. 29 — meaning it keeps -45. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RC leads at 24. 2% versus 0. 0% for RCD. At the gross margin level — before operating expenses — RCD 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.
06Which pays a better dividend — RCD or RC?
All stocks in this comparison pay dividends.
Ready Capital Corporation (RC) offers the highest yield at 31. 4%, versus 5. 4% for Ready Capital Corporation Notes -15. 12. 29 (RCD).
07Is RCD or RC better for a retirement portfolio?
For long-horizon retirement investors, Ready Capital Corporation Notes -15.
12. 29 (RCD) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 15), 5. 4% yield). Both have compounded well over 10 years (RCD: +1. 3%, RC: +6. 1%), 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.
08What are the main differences between RCD 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.
In terms of investment character: RCD is a small-cap income-oriented stock; RC is a small-cap high-growth stock. 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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