Comprehensive Stock Comparison
Compare Ready Capital Corporation 5.75% (RCC) vs Extra Space Storage Inc. (EXR) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | EXR | 27.6% revenue growth vs RCC's -93.0% |
| Quality / Margins | EXR | 28.9% net margin vs RCC's -15.9% |
| Stability / Safety | RCC | Beta 0.00 vs EXR's 0.56 |
| Dividends | RCC | 4.8% yield, vs EXR's 4.3% |
| Momentum (1Y) | RCC | +7.7% vs EXR's +3.2% |
| Efficiency (ROA) | EXR | 3.3% ROA vs RCC's -3.7% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Ready Capital Corporation is a real estate finance company that originates, acquires, and manages small balance commercial loans and SBA-guaranteed business loans. It generates revenue primarily through interest income from its loan portfolio—spanning commercial real estate, small business lending, and residential mortgages—supplemented by loan origination fees and servicing income. The company's competitive advantage lies in its specialized focus on the underserved small balance commercial loan market and its vertically integrated origination-to-servicing platform.
Extra Space Storage is a real estate investment trust that owns and operates self-storage facilities across the United States. It generates revenue primarily through rental income from storage units — including boat, RV, and business storage — with property management fees contributing additional income. The company benefits from economies of scale as the second-largest self-storage operator in the U.S., leveraging its national brand recognition and sophisticated revenue management systems.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
EXR leads in 3 of 6 categories — strongest in Financial Metrics and Valuation Metrics. 3 categories are tied.
Financial Metrics (TTM)
EXR and RCC operate at a comparable scale, with $3.3B and -$9M in trailing revenue. EXR is the more profitable business, keeping 28.9% of every revenue dollar as net income compared to RCC's -15.9%. On growth, EXR holds the edge at -9.0% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | RCCReady Capital Cor… | EXRExtra Space Stora… |
|---|---|---|
| RevenueTrailing 12 months | -$9M | $3.3B |
| EBITDAEarnings before interest/tax | -$95M | $2.1B |
| Net IncomeAfter-tax profit | -$311M | $953M |
| Free Cash FlowCash after capex | $366M | $1.9B |
| Gross MarginGross profit ÷ Revenue | +100.0% | +67.7% |
| Operating MarginEBIT ÷ Revenue | — | +43.1% |
| Net MarginNet income ÷ Revenue | -15.9% | +28.9% |
| FCF MarginFCF ÷ Revenue | -187.2% | +57.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | -69.8% | -9.0% |
| EPS Growth (YoY)Latest quarter vs prior year | -86.2% | -14.3% |
Valuation Metrics
| Metric | RCCReady Capital Cor… | EXRExtra Space Stora… |
|---|---|---|
| Market CapShares × price | $4.1B | $32.1B |
| Enterprise ValueMkt cap + debt − cash | $10.0B | $44.9B |
| Trailing P/EPrice ÷ TTM EPS | -9.52x | 37.48x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 31.65x |
| PEG RatioP/E ÷ EPS growth rate | — | 8.40x |
| EV / EBITDAEnterprise value multiple | — | 21.39x |
| Price / SalesMarket cap ÷ Revenue | 149.02x | 9.60x |
| Price / BookPrice ÷ Book value/share | 2.21x | 2.15x |
| Price / FCFMarket cap ÷ FCF | — | 17.17x |
Profitability & Efficiency
EXR delivers a 6.6% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $-17 for RCC. EXR carries lower financial leverage with a 0.88x debt-to-equity ratio, signaling a more conservative balance sheet compared to RCC's 3.12x. On the Piotroski fundamental quality scale (0–9), EXR scores 5/9 vs RCC's 1/9, reflecting solid financial health.
| Metric | RCCReady Capital Cor… | EXRExtra Space Stora… |
|---|---|---|
| ROE (TTM)Return on equity | -16.6% | +6.6% |
| ROA (TTM)Return on assets | -3.7% | +3.3% |
| ROICReturn on invested capital | — | +3.7% |
| ROCEReturn on capital employed | — | +5.0% |
| Piotroski ScoreFundamental quality 0–9 | 1 | 5 |
| Debt / EquityFinancial leverage | 3.12x | 0.88x |
| Net DebtTotal debt minus cash | $5.9B | $12.9B |
| Cash & Equiv.Liquid assets | $144M | $138M |
| Total DebtShort + long-term debt | $6.0B | $13.0B |
| Interest CoverageEBIT ÷ Interest expense | — | 2.22x |
Total Returns (with DRIP)
A $10,000 investment in EXR five years ago would be worth $14,619 today (with dividends reinvested), compared to $12,332 for RCC. Over the past 12 months, RCC leads with a +7.7% total return vs EXR's +3.2%. The 3-year compound annual growth rate (CAGR) favors RCC at 7.9% vs EXR's 1.2% — a key indicator of consistent wealth creation.
| Metric | RCCReady Capital Cor… | EXRExtra Space Stora… |
|---|---|---|
| YTD ReturnYear-to-date | +1.2% | +15.3% |
| 1-Year ReturnPast 12 months | +7.7% | +3.2% |
| 3-Year ReturnCumulative with dividends | +25.7% | +3.5% |
| 5-Year ReturnCumulative with dividends | +23.3% | +46.2% |
| 10-Year ReturnCumulative with dividends | +27.5% | +140.5% |
| CAGR (3Y)Annualised 3-year return | +7.9% | +1.2% |
Risk & Volatility
RCC is the less volatile stock with a 0.00 beta — it tends to amplify market swings less than EXR's 0.56 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | RCCReady Capital Cor… | EXRExtra Space Stora… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.00x | 0.56x |
| 52-Week HighHighest price in past year | $26.87 | $160.58 |
| 52-Week LowLowest price in past year | $23.97 | $121.03 |
| % of 52W HighCurrent price vs 52-week peak | +93.2% | +94.1% |
| RSI (14)Momentum oscillator 0–100 | 57.3 | 58.2 |
| Avg Volume (50D)Average daily shares traded | 33K | 1.1M |
Analyst Outlook
For income investors, RCC offers the higher dividend yield at 4.83% vs EXR's 4.30%.
| Metric | RCCReady Capital Cor… | EXRExtra Space Stora… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $150.00 |
| # AnalystsCovering analysts | — | 28 |
| Dividend YieldAnnual dividend ÷ price | +4.8% | +4.3% |
| Dividend StreakConsecutive years of raises | 0 | 15 |
| Dividend / ShareAnnual DPS | $1.21 | $6.50 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.0% | 0.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Feb 21 | Feb 26 | Change |
|---|---|---|---|
| Ready Capital Corpo… (RCC) | 100 | 98.85 | -1.1% |
| Extra Space Storage… (EXR) | 100 | 109.22 | +9.2% |
Extra Space Storage… (EXR) returned +46% over 5 years vs Ready Capital Corpo… (RCC)'s +23%. A $10,000 investment in EXR 5 years ago would be worth $14,619 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Ready Capital Corpo… (RCC) | $58M | $27M | -52.8% |
| Extra Space Storage… (EXR) | $795M | $3.3B | +320.1% |
Ready Capital Corporation 5.75%'s revenue grew from $58M (2015) to $27M (2024) — a -8.0% CAGR. Extra Space Storage Inc.'s revenue grew from $795M (2015) to $3.3B (2024) — a 17.3% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Ready Capital Corpo… (RCC) | -2.2% | -15.9% | -632.6% |
| Extra Space Storage… (EXR) | 23.8% | 25.6% | +7.4% |
Ready Capital Corporation 5.75%'s net margin went from -2% (2015) to -16% (2024). Extra Space Storage Inc.'s net margin went from 24% (2015) to 26% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Ready Capital Corpo… (RCC) | 16.8 | 10.8 | -35.7% |
| Extra Space Storage… (EXR) | 23.3 | 37.1 | +59.2% |
Ready Capital Corporation 5.75% has traded in a 11x–17x P/E range over 3 years; current trailing P/E is ~-10x. Extra Space Storage Inc. has traded in a 23x–37x P/E range over 8 years; current trailing P/E is ~37x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Ready Capital Corpo… (RCC) | -0.04 | -2.63 | -6393.8% |
| Extra Space Storage… (EXR) | 1.56 | 4.03 | +158.3% |
Ready Capital Corporation 5.75%'s EPS grew from $-0.04 (2015) to $-2.63 (2024). Extra Space Storage Inc.'s EPS grew from $1.56 (2015) to $4.03 (2024) — a 11% CAGR.
Chart 6Free Cash Flow — 5 Years
Ready Capital Corporation 5.75% generated $-51M FCF in 2024 (+99% vs 2021). Extra Space Storage Inc. generated $2B FCF in 2024 (+97% vs 2021).
RCC vs EXR: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is RCC or EXR a better buy right now?
Extra Space Storage Inc. (EXR) offers the better valuation at 37.5x trailing P/E (31.7x forward), making it the more compelling value choice. Analysts rate Extra Space Storage Inc. (EXR) a "Hold" — based on 28 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 — RCC or EXR?
Over the past 5 years, Extra Space Storage Inc. (EXR) delivered a total return of +46.2%, compared to +23.3% for Ready Capital Corporation 5.75% (RCC). A $10,000 investment in EXR five years ago would be worth approximately $15K today (assuming dividends reinvested). Over 10 years, the gap is even starker: EXR returned +140.5% versus RCC's +27.5%. 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 — RCC or EXR?
By beta (market sensitivity over 5 years), Ready Capital Corporation 5.75% (RCC) is the lower-risk stock at 0.00β versus Extra Space Storage Inc.'s 0.56β — meaning EXR is approximately 79686% more volatile than RCC relative to the S&P 500. On balance sheet safety, Extra Space Storage Inc. (EXR) carries a lower debt/equity ratio of 88% versus 3% for Ready Capital Corporation 5.75% — giving it more financial flexibility in a downturn.
04Which has better profit margins — RCC or EXR?
Extra Space Storage Inc. (EXR) is the more profitable company, earning 25.6% net margin versus -1593.0% for Ready Capital Corporation 5.75% — meaning it keeps 25.6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EXR leads at 39.6% versus 0.0% for RCC. At the gross margin level — before operating expenses — RCC 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.
05Which pays a better dividend — RCC or EXR?
All stocks in this comparison pay dividends. Ready Capital Corporation 5.75% (RCC) offers the highest yield at 4.8%, versus 4.3% for Extra Space Storage Inc. (EXR).
06Is RCC or EXR better for a retirement portfolio?
For long-horizon retirement investors, Ready Capital Corporation 5.75% (RCC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.00), 4.8% yield). Both have compounded well over 10 years (RCC: +27.5%, EXR: +140.5%), 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.
07What are the main differences between RCC and EXR?
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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