GPMT
Granite Point Mortgage Trust Inc.
REIT - Mortgage
Market Cap$74M
5Y Perf.-68.5%
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Stock Comparison
GPMT vs RC
Revenue, margins, valuation, and 5-year total return — side by side.
RC
Ready Capital Corporation
REIT - Mortgage
Market Cap$357M
5Y Perf.-63.2%
GPMT vs RC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | GPMT | RC |
|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $74M | $357M |
| Revenue (TTM) | $132M | $499M |
| Net Income (TTM) | $-40M | $-229M |
| Gross Margin | 47.3% | -0.0% |
| Operating Margin | -4.3% | -50.5% |
| Total Debt | $1.17B | $5.86B |
| Cash & Equiv. | $66M | $248M |
GPMT vs RC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
GPMT
RC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Granite Point Mortg… (GPMT) | 100 | 31.5 | -68.5% |
| Ready Capital Corpo… (RC) | 100 | 36.8 | -63.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: GPMT vs RC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: GPMT and RC are tied at the top with 3 categories each — the right choice depends on your priorities. Ready Capital Corporation is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
GPMT
Granite Point Mortgage Trust Inc.
The Real Estate Income Play
GPMT carries the broadest edge in this set and is the clearest fit for growth exposure.
- Rev growth 187.8%, EPS growth 73.7%, 3Y rev CAGR 22.9%
- -30.5% margin vs RC's -45.8%
- -19.7% vs RC's -44.9%
Best for: growth exposure
RC
Ready Capital Corporation
The Real Estate Income Play
RC is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 1.17, yield 31.4%
- 6.1% 10Y total return vs GPMT's -50.0%
- Lower volatility, beta 1.17, current ratio 1.04x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RC | 17.3% FFO/revenue growth vs GPMT's 187.8% |
| Quality / Margins | GPMT | -30.5% margin vs RC's -45.8% |
| Stability / Safety | RC | Beta 1.17 vs GPMT's 1.44 |
| Dividends | RC | 31.4% yield, vs GPMT's 14.0% |
| Momentum (1Y) | GPMT | -19.7% vs RC's -44.9% |
| Efficiency (ROA) | GPMT | -2.3% ROA vs RC's -2.6%, ROIC 2.6% vs 1.2% |
GPMT vs RC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLGPMTLAGGINGRC
RCReady Capital Corpora…
1leads
GPMTGranite Point Mortgag…
3leads
6 Total Categories
CATEGORYLEADERvs RCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
GPMT4/6
Valuation MetricsMultiples, price ratios, and targets
GPMT3/4
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
GPMT9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
RC1/1
Income & Cash Flow (Last 12 Months)
GPMT leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
RC is the larger business by revenue, generating $499M annually — 3.8x GPMT's $132M. GPMT is the more profitable business, keeping -30.5% of every revenue dollar as net income compared to RC's -45.8%. On growth, RC holds the edge at +8.7% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | GPMTGranite Point Mor… | RCReady Capital Cor… |
|---|---|---|
| RevenueTrailing 12 months | $132M | $499M |
| EBITDAEarnings before interest/tax | -$8M | -$249M |
| Net IncomeAfter-tax profit | -$40M | -$229M |
| Free Cash FlowCash after capex | $463,000 | $303M |
| Gross MarginGross profit ÷ Revenue | +47.3% | -0.0% |
| Operating MarginEBIT ÷ Revenue | -4.3% | -50.5% |
| Net MarginNet income ÷ Revenue | -30.5% | -45.8% |
| FCF MarginFCF ÷ Revenue | +0.4% | +60.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | +157.8% | +8.7% |
| EPS Growth (YoY)Latest quarter vs prior year | +40.9% | +24.9% |
GPMT leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
GPMT leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
On an enterprise value basis, GPMT's 20.8x EV/EBITDA is more attractive than RC's 48.3x.
| Metric | GPMTGranite Point Mor… | RCReady Capital Cor… |
|---|---|---|
| Market CapShares × price | $74M | $357M |
| Enterprise ValueMkt cap + debt − cash | $1.2B | $6.0B |
| Trailing P/EPrice ÷ TTM EPS | -1.34x | -1.50x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 20.75x | 48.25x |
| Price / SalesMarket cap ÷ Revenue | 0.51x | 0.71x |
| Price / BookPrice ÷ Book value/share | 0.13x | 0.22x |
| Price / FCFMarket cap ÷ FCF | 27.85x | — |
GPMT leads this category, winning 3 of 4 comparable metrics.
Profitability & Efficiency
GPMT leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
GPMT delivers a -7.1% return on equity — every $100 of shareholder capital generates $-7 in annual profit, vs $-12 for RC. GPMT carries lower financial leverage with a 2.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to RC's 3.55x. On the Piotroski fundamental quality scale (0–9), GPMT scores 6/9 vs RC's 5/9, reflecting solid financial health.
| Metric | GPMTGranite Point Mor… | RCReady Capital Cor… |
|---|---|---|
| ROE (TTM)Return on equity | -7.1% | -12.2% |
| ROA (TTM)Return on assets | -2.3% | -2.6% |
| ROICReturn on invested capital | +2.6% | +1.2% |
| ROCEReturn on capital employed | +4.6% | +1.4% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 2.12x | 3.55x |
| Net DebtTotal debt minus cash | $1.1B | $5.6B |
| Cash & Equiv.Liquid assets | $66M | $248M |
| Total DebtShort + long-term debt | $1.2B | $5.9B |
| Interest CoverageEBIT ÷ Interest expense | 0.58x | 0.41x |
GPMT leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — GPMT and RC each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RC five years ago would be worth $5,564 today (with dividends reinvested), compared to $3,472 for GPMT. Over the past 12 months, GPMT leads with a -19.7% total return vs RC's -44.9%. The 3-year compound annual growth rate (CAGR) favors GPMT at -13.1% vs RC's -23.1% — a key indicator of consistent wealth creation.
| Metric | GPMTGranite Point Mor… | RCReady Capital Cor… |
|---|---|---|
| YTD ReturnYear-to-date | -32.5% | +1.4% |
| 1-Year ReturnPast 12 months | -19.7% | -44.9% |
| 3-Year ReturnCumulative with dividends | -34.3% | -54.4% |
| 5-Year ReturnCumulative with dividends | -65.3% | -44.4% |
| 10-Year ReturnCumulative with dividends | -50.0% | +6.1% |
| CAGR (3Y)Annualised 3-year return | -13.1% | -23.1% |
Evenly matched — GPMT and RC each lead in 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — GPMT and RC each lead in 1 of 2 comparable metrics.
Risk & Volatility
RC is the less volatile stock with a 1.17 beta — it tends to amplify market swings less than GPMT's 1.44 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. GPMT currently trades 49.7% from its 52-week high vs RC's 45.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | GPMTGranite Point Mor… | RCReady Capital Cor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.44x | 1.17x |
| 52-Week HighHighest price in past year | $3.12 | $4.75 |
| 52-Week LowLowest price in past year | $1.24 | $1.51 |
| % of 52W HighCurrent price vs 52-week peak | +49.7% | +45.5% |
| RSI (14)Momentum oscillator 0–100 | 49.4 | 64.1 |
| Avg Volume (50D)Average daily shares traded | 154K | 2.1M |
Evenly matched — GPMT and RC each lead in 1 of 2 comparable metrics.
Analyst Outlook
RC leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates GPMT as "Hold" and RC as "Buy". Consensus price targets imply 61.3% upside for GPMT (target: $3) vs 15.7% for RC (target: $3). For income investors, RC offers the higher dividend yield at 31.37% vs GPMT's 13.98%.
| Metric | GPMTGranite Point Mor… | RCReady Capital Cor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $2.50 | $2.50 |
| # AnalystsCovering analysts | 12 | 16 |
| Dividend YieldAnnual dividend ÷ price | +14.0% | +31.4% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.22 | $0.68 |
| Buyback YieldShare repurchases ÷ mkt cap | +7.6% | +18.9% |
RC leads this category, winning 1 of 1 comparable metric.
Key Takeaway
GPMT leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). RC leads in 1 (Analyst Outlook). 2 tied.
Best OverallGranite Point Mortgage Trus… (GPMT)Leads 3 of 6 categories
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GPMT vs RC: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is GPMT 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 187.
8% for Granite Point Mortgage Trust Inc. (GPMT). 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 — GPMT or RC?
Over the past 5 years, Ready Capital Corporation (RC) delivered a total return of -44.
4%, compared to -65. 3% for Granite Point Mortgage Trust Inc. (GPMT). Over 10 years, the gap is even starker: RC returned +6. 1% versus GPMT's -50. 0%. 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 — GPMT or RC?
By beta (market sensitivity over 5 years), Ready Capital Corporation (RC) is the lower-risk stock at 1.
17β versus Granite Point Mortgage Trust Inc. 's 1. 44β — meaning GPMT is approximately 23% more volatile than RC relative to the S&P 500. On balance sheet safety, Granite Point Mortgage Trust Inc. (GPMT) carries a lower debt/equity ratio of 2% versus 4% for Ready Capital Corporation — giving it more financial flexibility in a downturn.
04Which is growing faster — GPMT or RC?
By revenue growth (latest reported year), Ready Capital Corporation (RC) is pulling ahead at 1726% versus 187.
8% for Granite Point Mortgage Trust Inc. (GPMT). On earnings-per-share growth, the picture is similar: Granite Point Mortgage Trust Inc. grew EPS 73. 7% year-over-year, compared to 45. 2% for Ready Capital Corporation. Over a 3-year CAGR, GPMT leads at 22. 9% 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 — GPMT or RC?
Granite Point Mortgage Trust Inc.
(GPMT) is the more profitable company, earning -28. 3% net margin versus -45. 8% for Ready Capital Corporation — meaning it keeps -28. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GPMT leads at 43. 6% versus 24. 2% for RC. At the gross margin level — before operating expenses — RC leads at 87. 7%, 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 — GPMT or RC?
All stocks in this comparison pay dividends.
Ready Capital Corporation (RC) offers the highest yield at 31. 4%, versus 14. 0% for Granite Point Mortgage Trust Inc. (GPMT).
07Is GPMT or RC better for a retirement portfolio?
For long-horizon retirement investors, Ready Capital Corporation (RC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
17), 31. 4% yield). Both have compounded well over 10 years (RC: +6. 1%, GPMT: -50. 0%), 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 GPMT 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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