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 ACRE
Revenue, margins, valuation, and 5-year total return — side by side.
ACRE
Ares Commercial Real Estate Corporation
REIT - Mortgage
Market Cap$280M
5Y Perf.-14.3%
RCD vs ACRE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | RCD | ACRE |
|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $3.63B | $280M |
| Revenue (TTM) | $-9M | $55M |
| Net Income (TTM) | $-311M | $-20M |
| Gross Margin | 100.0% | 46.3% |
| Operating Margin | — | 44.6% |
| Forward P/E | — | 16.3x |
| Total Debt | $6.04B | $1.05B |
| Cash & Equiv. | $144M | $29M |
RCD vs ACRE — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
RCD
ACRE
| Stock | Dec 24 | May 26 | Return |
|---|---|---|---|
| Ready Capital Corpo… (RCD) | 100 | 88.9 | -11.1% |
| Ares Commercial Rea… (ACRE) | 100 | 85.7 | -14.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: RCD vs ACRE
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ACRE leads in 5 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. 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
ACRE
Ares Commercial Real Estate Corporation
The Real Estate Income Play
ACRE carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth -2.8%, EPS growth 97.4%, 3Y rev CAGR -7.8%
- 43.3% 10Y total return vs RCD's 1.3%
- -2.8% 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 | ACRE | -2.8% FFO/revenue growth vs RCD's -93.0% |
| Quality / Margins | ACRE | -36.3% margin vs RCD's -15.9% |
| Stability / Safety | RCD | Beta 0.15 vs ACRE's 0.99 |
| Dividends | ACRE | 14.1% yield, vs RCD's 5.4% |
| Momentum (1Y) | ACRE | +20.7% vs RCD's +4.8% |
| Efficiency (ROA) | ACRE | -1.3% ROA vs RCD's -3.7% |
RCD vs ACRE — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
RCD vs ACRE — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLACRELAGGINGRCD
RCDReady Capital Corpora…
1leads
ACREAres Commercial Real …
4leads
6 Total Categories
CATEGORYLEADERvs RCDMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ACRE3/5
Valuation MetricsMultiples, price ratios, and targets
ACRE3/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ACRE6/6
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
RCD2/2
Analyst OutlookRatings, price targets, and dividends
ACRE1/1
Income & Cash Flow (Last 12 Months)
ACRE leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ACRE and RCD operate at a comparable scale, with $55M and -$9M in trailing revenue. Profitability is closely matched — net margins range from -36.3% (ACRE) to -15.9% (RCD). On growth, ACRE holds the edge at -10.0% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | RCDReady Capital Cor… | ACREAres Commercial R… |
|---|---|---|
| RevenueTrailing 12 months | -$9M | $55M |
| EBITDAEarnings before interest/tax | -$95M | $31M |
| Net IncomeAfter-tax profit | -$311M | -$20M |
| Free Cash FlowCash after capex | $366M | -$44M |
| Gross MarginGross profit ÷ Revenue | +100.0% | +46.3% |
| Operating MarginEBIT ÷ Revenue | — | +44.6% |
| Net MarginNet income ÷ Revenue | -15.9% | -36.3% |
| FCF MarginFCF ÷ Revenue | -187.2% | -80.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | -69.8% | -10.0% |
| EPS Growth (YoY)Latest quarter vs prior year | -86.2% | -2.0% |
ACRE leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
ACRE leads this category, winning 3 of 3 comparable metrics.
Valuation Metrics
| Metric | RCDReady Capital Cor… | ACREAres Commercial R… |
|---|---|---|
| Market CapShares × price | $3.6B | $280M |
| Enterprise ValueMkt cap + debt − cash | $9.5B | $1.3B |
| Trailing P/EPrice ÷ TTM EPS | -8.52x | -307.93x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 16.34x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 18.49x |
| Price / SalesMarket cap ÷ Revenue | 132.59x | 3.28x |
| Price / BookPrice ÷ Book value/share | 1.97x | 0.54x |
| Price / FCFMarket cap ÷ FCF | — | 14.18x |
ACRE leads this category, winning 3 of 3 comparable metrics.
Profitability & Efficiency
ACRE leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
ACRE delivers a -3.9% return on equity — every $100 of shareholder capital generates $-4 in annual profit, vs $-17 for RCD. ACRE carries lower financial leverage with a 2.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to RCD's 3.12x. On the Piotroski fundamental quality scale (0–9), ACRE scores 5/9 vs RCD's 1/9, reflecting solid financial health.
| Metric | RCDReady Capital Cor… | ACREAres Commercial R… |
|---|---|---|
| ROE (TTM)Return on equity | -16.6% | -3.9% |
| ROA (TTM)Return on assets | -3.7% | -1.3% |
| ROICReturn on invested capital | — | +2.9% |
| ROCEReturn on capital employed | — | +5.8% |
| Piotroski ScoreFundamental quality 0–9 | 1 | 5 |
| Debt / EquityFinancial leverage | 3.12x | 2.06x |
| Net DebtTotal debt minus cash | $5.9B | $1.0B |
| Cash & Equiv.Liquid assets | $144M | $29M |
| Total DebtShort + long-term debt | $6.0B | $1.0B |
| Interest CoverageEBIT ÷ Interest expense | — | 0.95x |
ACRE leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — RCD and ACRE each lead in 3 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 $7,045 for ACRE. Over the past 12 months, ACRE leads with a +20.7% total return vs RCD's +4.8%. The 3-year compound annual growth rate (CAGR) favors RCD at 0.4% vs ACRE's -1.5% — a key indicator of consistent wealth creation.
| Metric | RCDReady Capital Cor… | ACREAres Commercial R… |
|---|---|---|
| YTD ReturnYear-to-date | +8.3% | +9.9% |
| 1-Year ReturnPast 12 months | +4.8% | +20.7% |
| 3-Year ReturnCumulative with dividends | +1.3% | -4.4% |
| 5-Year ReturnCumulative with dividends | +1.3% | -29.5% |
| 10-Year ReturnCumulative with dividends | +1.3% | +43.3% |
| CAGR (3Y)Annualised 3-year return | +0.4% | -1.5% |
Evenly matched — RCD and ACRE each lead in 3 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 ACRE's 0.99 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 ACRE's 85.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | RCDReady Capital Cor… | ACREAres Commercial R… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.15x | 0.99x |
| 52-Week HighHighest price in past year | $24.45 | $5.89 |
| 52-Week LowLowest price in past year | $13.47 | $4.05 |
| % of 52W HighCurrent price vs 52-week peak | +91.7% | +85.7% |
| RSI (14)Momentum oscillator 0–100 | 70.3 | 53.4 |
| Avg Volume (50D)Average daily shares traded | 11K | 396K |
RCD leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
ACRE leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
For income investors, ACRE offers the higher dividend yield at 14.07% vs RCD's 5.39%.
| Metric | RCDReady Capital Cor… | ACREAres Commercial R… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $5.00 |
| # AnalystsCovering analysts | — | 13 |
| Dividend YieldAnnual dividend ÷ price | +5.4% | +14.1% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $1.21 | $0.71 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.3% | 0.0% |
ACRE leads this category, winning 1 of 1 comparable metric.
Key Takeaway
ACRE leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). RCD leads in 1 (Risk & Volatility). 1 tied.
Best OverallAres Commercial Real Estate… (ACRE)Leads 4 of 6 categories
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RCD vs ACRE: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is RCD or ACRE a better buy right now?
For growth investors, Ares Commercial Real Estate Corporation (ACRE) is the stronger pick with -2.
8% revenue growth year-over-year, versus -93. 0% for Ready Capital Corporation Notes -15. 12. 29 (RCD). Analysts rate Ares Commercial Real Estate Corporation (ACRE) a "Buy" — based on 13 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 ACRE?
Over the past 5 years, Ready Capital Corporation Notes -15.
12. 29 (RCD) delivered a total return of +1. 3%, compared to -29. 5% for Ares Commercial Real Estate Corporation (ACRE). Over 10 years, the gap is even starker: ACRE returned +43. 3% 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 ACRE?
By beta (market sensitivity over 5 years), Ready Capital Corporation Notes -15.
12. 29 (RCD) is the lower-risk stock at 0. 15β versus Ares Commercial Real Estate Corporation's 0. 99β — meaning ACRE is approximately 554% more volatile than RCD relative to the S&P 500. On balance sheet safety, Ares Commercial Real Estate Corporation (ACRE) carries a lower debt/equity ratio of 2% versus 3% for Ready Capital Corporation Notes -15. 12. 29 — giving it more financial flexibility in a downturn.
04Which is growing faster — RCD or ACRE?
By revenue growth (latest reported year), Ares Commercial Real Estate Corporation (ACRE) is pulling ahead at -2.
8% versus -93. 0% for Ready Capital Corporation Notes -15. 12. 29 (RCD). On earnings-per-share growth, the picture is similar: Ares Commercial Real Estate Corporation grew EPS 97. 4% year-over-year, compared to -217. 9% for Ready Capital Corporation Notes -15. 12. 29. Over a 3-year CAGR, ACRE leads at -7. 8% 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 ACRE?
Ares Commercial Real Estate Corporation (ACRE) is the more profitable company, earning -1.
1% net margin versus -1593. 0% for Ready Capital Corporation Notes -15. 12. 29 — meaning it keeps -1. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ACRE leads at 72. 4% 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 ACRE?
All stocks in this comparison pay dividends.
Ares Commercial Real Estate Corporation (ACRE) offers the highest yield at 14. 1%, versus 5. 4% for Ready Capital Corporation Notes -15. 12. 29 (RCD).
07Is RCD or ACRE 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%, ACRE: +43. 3%), 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 ACRE?
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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