Comprehensive Stock Comparison
Compare Ready Capital Corporation 5.75% (RCC) vs Public Storage (PSA) 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 | PSA | 2.7% revenue growth vs RCC's -93.0% |
| Quality / Margins | PSA | 39.5% net margin vs RCC's -15.9% |
| Stability / Safety | RCC | Beta 0.00 vs PSA's 0.45 |
| Dividends | RCC | 4.8% yield; PSA pays no meaningful dividend |
| Momentum (1Y) | RCC | +7.7% vs PSA's +5.1% |
| Efficiency (ROA) | PSA | 9.4% 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.
Public Storage is a real estate investment trust that owns and operates self-storage facilities across the United States and Europe. It generates revenue primarily through rental income from storage units — with additional income from tenant insurance, truck rentals, and property management services — making it one of the largest self-storage operators globally. The company's competitive advantage lies in its massive scale, prime locations, and strong brand recognition that creates pricing power and operational efficiency.
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
PSA leads in 2 of 6 categories (Financial Metrics, Profitability & Efficiency). RCC leads in 1 (Valuation Metrics). 2 tied.
Financial Metrics (TTM)
PSA and RCC operate at a comparable scale, with $4.8B and -$9M in trailing revenue. PSA is the more profitable business, keeping 39.5% of every revenue dollar as net income compared to RCC's -15.9%. On growth, PSA holds the edge at +3.1% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | RCCReady Capital Cor… | PSAPublic Storage |
|---|---|---|
| RevenueTrailing 12 months | -$9M | $4.8B |
| EBITDAEarnings before interest/tax | -$95M | $3.7B |
| Net IncomeAfter-tax profit | -$311M | $1.9B |
| Free Cash FlowCash after capex | $366M | $3.1B |
| Gross MarginGross profit ÷ Revenue | +100.0% | +73.0% |
| Operating MarginEBIT ÷ Revenue | — | +53.0% |
| Net MarginNet income ÷ Revenue | -15.9% | +39.5% |
| FCF MarginFCF ÷ Revenue | -187.2% | +65.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | -69.8% | +3.1% |
| EPS Growth (YoY)Latest quarter vs prior year | -86.2% | +21.3% |
Valuation Metrics
| Metric | RCCReady Capital Cor… | PSAPublic Storage |
|---|---|---|
| Market CapShares × price | $4.1B | $53.9B |
| Enterprise ValueMkt cap + debt − cash | $10.0B | $63.8B |
| Trailing P/EPrice ÷ TTM EPS | -9.52x | 34.08x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 30.53x |
| PEG RatioP/E ÷ EPS growth rate | — | 4.57x |
| EV / EBITDAEnterprise value multiple | — | 14.00x |
| Price / SalesMarket cap ÷ Revenue | 149.02x | 11.17x |
| Price / BookPrice ÷ Book value/share | 2.21x | 5.78x |
| Price / FCFMarket cap ÷ FCF | — | 16.91x |
Profitability & Efficiency
PSA delivers a 20.1% return on equity — every $100 of shareholder capital generates $20 in annual profit, vs $-17 for RCC. PSA carries lower financial leverage with a 1.10x debt-to-equity ratio, signaling a more conservative balance sheet compared to RCC's 3.12x. On the Piotroski fundamental quality scale (0–9), PSA scores 5/9 vs RCC's 1/9, reflecting solid financial health.
| Metric | RCCReady Capital Cor… | PSAPublic Storage |
|---|---|---|
| ROE (TTM)Return on equity | -16.6% | +20.1% |
| ROA (TTM)Return on assets | -3.7% | +9.4% |
| ROICReturn on invested capital | — | +13.5% |
| ROCEReturn on capital employed | — | +17.1% |
| Piotroski ScoreFundamental quality 0–9 | 1 | 5 |
| Debt / EquityFinancial leverage | 3.12x | 1.10x |
| Net DebtTotal debt minus cash | $5.9B | $9.9B |
| Cash & Equiv.Liquid assets | $144M | $318M |
| Total DebtShort + long-term debt | $6.0B | $10.3B |
| Interest CoverageEBIT ÷ Interest expense | — | 11.19x |
Total Returns (with DRIP)
A $10,000 investment in PSA five years ago would be worth $16,046 today (with dividends reinvested), compared to $12,332 for RCC. Over the past 12 months, RCC leads with a +7.7% total return vs PSA's +5.1%. The 3-year compound annual growth rate (CAGR) favors RCC at 7.9% vs PSA's 4.7% — a key indicator of consistent wealth creation.
| Metric | RCCReady Capital Cor… | PSAPublic Storage |
|---|---|---|
| YTD ReturnYear-to-date | +1.2% | +18.8% |
| 1-Year ReturnPast 12 months | +7.7% | +5.1% |
| 3-Year ReturnCumulative with dividends | +25.7% | +14.8% |
| 5-Year ReturnCumulative with dividends | +23.3% | +60.5% |
| 10-Year ReturnCumulative with dividends | +27.5% | +64.9% |
| CAGR (3Y)Annualised 3-year return | +7.9% | +4.7% |
Risk & Volatility
RCC is the less volatile stock with a 0.00 beta — it tends to amplify market swings less than PSA's 0.45 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | RCCReady Capital Cor… | PSAPublic Storage |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.00x | 0.45x |
| 52-Week HighHighest price in past year | $26.87 | $322.49 |
| 52-Week LowLowest price in past year | $23.97 | $256.54 |
| % of 52W HighCurrent price vs 52-week peak | +93.2% | +95.2% |
| RSI (14)Momentum oscillator 0–100 | 57.3 | 64.2 |
| Avg Volume (50D)Average daily shares traded | 33K | 959K |
Analyst Outlook
RCC is the only dividend payer here at 4.83% yield — a key consideration for income-focused portfolios.
| Metric | RCCReady Capital Cor… | PSAPublic Storage |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $301.22 |
| # AnalystsCovering analysts | — | 36 |
| Dividend YieldAnnual dividend ÷ price | +4.8% | — |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $1.21 | — |
| 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% |
| Public Storage (PSA) | 100 | 117.17 | +17.2% |
Public Storage (PSA) returned +60% over 5 years vs Ready Capital Corpo… (RCC)'s +23%. A $10,000 investment in PSA 5 years ago would be worth $16,046 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Ready Capital Corpo… (RCC) | $125M | $27M | -78.1% |
| Public Storage (PSA) | $2.6B | $4.8B | +88.4% |
Public Storage's revenue grew from $2.6B (2016) to $4.8B (2025) — a 7.3% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Ready Capital Corpo… (RCC) | 39.4% | -15.9% | -140.5% |
| Public Storage (PSA) | 56.8% | 37.3% | -34.4% |
Public Storage's net margin went from 57% (2016) to 37% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Ready Capital Corpo… (RCC) | 16.8 | 10.8 | -35.7% |
| Public Storage (PSA) | 31.1 | 28.8 | -7.4% |
Ready Capital Corporation 5.75% has traded in a 11x–17x P/E range over 3 years; current trailing P/E is ~-10x. Public Storage has traded in a 12x–38x P/E range over 9 years; current trailing P/E is ~34x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Ready Capital Corpo… (RCC) | 1.85 | -2.63 | -242.2% |
| Public Storage (PSA) | 6.81 | 9.01 | +32.3% |
Public Storage's EPS grew from $6.81 (2016) to $9.01 (2025) — a 3% CAGR.
Chart 6Free Cash Flow — 5 Years
Ready Capital Corporation 5.75% generated $-51M FCF in 2024 (+99% vs 2021). Public Storage generated $3B FCF in 2025 (+40% vs 2021).
RCC vs PSA: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is RCC or PSA a better buy right now?
Public Storage (PSA) offers the better valuation at 34.1x trailing P/E (30.5x forward), making it the more compelling value choice. Analysts rate Public Storage (PSA) a "Hold" — based on 36 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 PSA?
Over the past 5 years, Public Storage (PSA) delivered a total return of +60.5%, compared to +23.3% for Ready Capital Corporation 5.75% (RCC). A $10,000 investment in PSA five years ago would be worth approximately $16K today (assuming dividends reinvested). Over 10 years, the gap is even starker: PSA returned +64.9% 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 PSA?
By beta (market sensitivity over 5 years), Ready Capital Corporation 5.75% (RCC) is the lower-risk stock at 0.00β versus Public Storage's 0.45β — meaning PSA is approximately 64486% more volatile than RCC relative to the S&P 500. On balance sheet safety, Public Storage (PSA) carries a lower debt/equity ratio of 110% versus 3% for Ready Capital Corporation 5.75% — giving it more financial flexibility in a downturn.
04Which has better profit margins — RCC or PSA?
Public Storage (PSA) is the more profitable company, earning 37.3% net margin versus -1593.0% for Ready Capital Corporation 5.75% — meaning it keeps 37.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PSA leads at 70.6% 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 PSA?
In this comparison, RCC (4.8% yield) pays a dividend. PSA does not pay a meaningful dividend and should not be held primarily for income.
06Is RCC or PSA 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%, PSA: +64.9%), 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 PSA?
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: RCC is a small-cap income-oriented stock; PSA is a mid-cap quality compounder stock. RCC pays a dividend while PSA does not, making them suitable for different income and tax situations. 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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