Comprehensive Stock Comparison
Compare Sachem Capital Corp. 6.00% Notes Due 2026 (SCCD) vs Ready Capital Corporation 5.75% (RCC) 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 | RCC | -93.0% revenue growth vs SCCD's -107.0% |
| Quality / Margins | SCCD | -292.1% net margin vs RCC's -15.9% |
| Stability / Safety | RCC | Beta 0.00 vs SCCD's 0.04, lower leverage |
| Dividends | RCC | 4.8% yield, vs SCCD's 1.4% |
| Momentum (1Y) | SCCD | +33.3% vs RCC's +7.7% |
| Efficiency (ROA) | RCC | -3.7% ROA vs SCCD's -6.9% |
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
Sachem Capital is a mortgage real estate investment trust that provides short-term, secured loans to real estate investors for property acquisition and development. It generates revenue primarily from interest income on its loan portfolio — roughly 90% of total revenue — supplemented by loan origination fees. The company's competitive advantage lies in its specialized focus on the underserved niche of short-term real estate bridge loans, where it has developed deep underwriting expertise and borrower relationships.
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.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
SCCD leads in 2 of 6 categories (Financial Metrics, Total Returns). RCC leads in 2 (Profitability & Efficiency, Analyst Outlook). 2 tied.
Financial Metrics (TTM)
SCCD and RCC operate at a comparable scale, with $11M and -$9M in trailing revenue. SCCD is the more profitable business, keeping -2.9% of every revenue dollar as net income compared to RCC's -15.9%. On growth, SCCD holds the edge at +82.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | SCCDSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| RevenueTrailing 12 months | $11M | -$9M |
| EBITDAEarnings before interest/tax | -$12M | -$95M |
| Net IncomeAfter-tax profit | -$33M | -$311M |
| Free Cash FlowCash after capex | $5M | $366M |
| Gross MarginGross profit ÷ Revenue | -4.8% | +100.0% |
| Operating MarginEBIT ÷ Revenue | -108.1% | — |
| Net MarginNet income ÷ Revenue | -2.9% | -15.9% |
| FCF MarginFCF ÷ Revenue | +42.5% | -187.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | +82.6% | -69.8% |
| EPS Growth (YoY)Latest quarter vs prior year | +98.1% | -86.2% |
Valuation Metrics
| Metric | SCCDSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| Market CapShares × price | $1.2B | $4.1B |
| Enterprise ValueMkt cap + debt − cash | $206.0B | $10.0B |
| Trailing P/EPrice ÷ TTM EPS | -26.51x | -9.52x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | — |
| Price / SalesMarket cap ÷ Revenue | — | 149.02x |
| Price / BookPrice ÷ Book value/share | 6.43x | 2.21x |
| Price / FCFMarket cap ÷ FCF | 90.35x | — |
Profitability & Efficiency
RCC delivers a -16.6% return on equity — every $100 of shareholder capital generates $-17 in annual profit, vs $-19 for SCCD. RCC carries lower financial leverage with a 3.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to SCCD's 1127.83x. On the Piotroski fundamental quality scale (0–9), SCCD scores 2/9 vs RCC's 1/9, reflecting mixed financial health.
| Metric | SCCDSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| ROE (TTM)Return on equity | -19.1% | -16.6% |
| ROA (TTM)Return on assets | -6.9% | -3.7% |
| ROICReturn on invested capital | -3.9% | — |
| ROCEReturn on capital employed | -5.7% | — |
| Piotroski ScoreFundamental quality 0–9 | 2 | 1 |
| Debt / EquityFinancial leverage | 1127.83x | 3.12x |
| Net DebtTotal debt minus cash | $186.8B | $5.9B |
| Cash & Equiv.Liquid assets | $18M | $144M |
| Total DebtShort + long-term debt | $204.9B | $6.0B |
| Interest CoverageEBIT ÷ Interest expense | — | — |
Total Returns (with DRIP)
A $10,000 investment in SCCD five years ago would be worth $13,105 today (with dividends reinvested), compared to $12,332 for RCC. Over the past 12 months, SCCD leads with a +33.3% total return vs RCC's +7.7%. The 3-year compound annual growth rate (CAGR) favors SCCD at 13.4% vs RCC's 7.9% — a key indicator of consistent wealth creation.
| Metric | SCCDSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| YTD ReturnYear-to-date | +2.0% | +1.2% |
| 1-Year ReturnPast 12 months | +33.3% | +7.7% |
| 3-Year ReturnCumulative with dividends | +45.7% | +25.7% |
| 5-Year ReturnCumulative with dividends | +31.1% | +23.3% |
| 10-Year ReturnCumulative with dividends | +31.1% | +27.5% |
| CAGR (3Y)Annualised 3-year return | +13.4% | +7.9% |
Risk & Volatility
RCC is the less volatile stock with a 0.00 beta — it tends to amplify market swings less than SCCD's 0.04 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SCCD currently trades 100.0% from its 52-week high vs RCC's 93.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SCCDSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.04x | 0.00x |
| 52-Week HighHighest price in past year | $24.65 | $26.87 |
| 52-Week LowLowest price in past year | $20.20 | $23.97 |
| % of 52W HighCurrent price vs 52-week peak | +100.0% | +93.2% |
| RSI (14)Momentum oscillator 0–100 | 56.1 | 57.3 |
| Avg Volume (50D)Average daily shares traded | 2K | 33K |
Analyst Outlook
For income investors, RCC offers the higher dividend yield at 4.83% vs SCCD's 1.41%.
| Metric | SCCDSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | +1.4% | +4.8% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.35 | $1.21 |
| Buyback YieldShare repurchases ÷ mkt cap | +100.0% | +2.0% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Dec 21 | Feb 26 | Change |
|---|---|---|---|
| Sachem Capital Corp… (SCCD) | 100 | 97.67 | -2.3% |
| Ready Capital Corpo… (RCC) | 100 | 96.33 | -3.7% |
Sachem Capital Corp… (SCCD) returned +31% over 5 years vs Ready Capital Corpo… (RCC)'s +23%. A $10,000 investment in SCCD 5 years ago would be worth $13,105 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Sachem Capital Corp… (SCCD) | $10.2B | $-2.1B | -120.7% |
| Ready Capital Corpo… (RCC) | $58M | $27M | -52.8% |
Ready Capital Corporation 5.75%'s revenue grew from $58M (2015) to $27M (2024) — a -8.0% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Sachem Capital Corp… (SCCD) | 60.9% | 18.8% | -69.1% |
| Ready Capital Corpo… (RCC) | -2.2% | -15.9% | -632.6% |
Ready Capital Corporation 5.75%'s net margin went from -2% (2015) to -16% (2024).
Chart 4P/E Ratio History — 3 Years
| Stock | 2021 | 2023 | Change |
|---|---|---|---|
| Sachem Capital Corp… (SCCD) | 49.3 | 79.6 | +61.5% |
| Ready Capital Corpo… (RCC) | 16.8 | 10.8 | -35.7% |
Sachem Capital Corp. 6.00% Notes Due 2026 has traded in a 36x–80x P/E range over 3 years; current trailing P/E is ~-27x. Ready Capital Corporation 5.75% has traded in a 11x–17x P/E range over 3 years; current trailing P/E is ~-10x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Sachem Capital Corp… (SCCD) | 0.32 | -0.93 | -390.6% |
| Ready Capital Corpo… (RCC) | -0.04 | -2.63 | -6393.8% |
Ready Capital Corporation 5.75%'s EPS grew from $-0.04 (2015) to $-2.63 (2024).
Chart 6Free Cash Flow — 5 Years
Sachem Capital Corp. 6.00% Notes Due 2026 generated $13M FCF in 2024 (-100% vs 2021). Ready Capital Corporation 5.75% generated $-51M FCF in 2024 (+99% vs 2021).
SCCD vs RCC: Frequently Asked Questions
6 questions · data-driven answers · updated daily
01Which is the better long-term investment — SCCD or RCC?
Over the past 5 years, Sachem Capital Corp. 6.00% Notes Due 2026 (SCCD) delivered a total return of +31.1%, compared to +23.3% for Ready Capital Corporation 5.75% (RCC). A $10,000 investment in SCCD five years ago would be worth approximately $13K today (assuming dividends reinvested). Over 10 years, the gap is even starker: SCCD returned +31.1% 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.
02Which is safer — SCCD or RCC?
By beta (market sensitivity over 5 years), Ready Capital Corporation 5.75% (RCC) is the lower-risk stock at 0.00β versus Sachem Capital Corp. 6.00% Notes Due 2026's 0.04β — meaning SCCD is approximately 5243% more volatile than RCC relative to the S&P 500. On balance sheet safety, Ready Capital Corporation 5.75% (RCC) carries a lower debt/equity ratio of 3% versus 1128% for Sachem Capital Corp. 6.00% Notes Due 2026 — giving it more financial flexibility in a downturn.
03Which has better profit margins — SCCD or RCC?
Sachem Capital Corp. 6.00% Notes Due 2026 (SCCD) is the more profitable company, earning 1879% net margin versus -1593.0% for Ready Capital Corporation 5.75% — meaning it keeps 1879% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SCCD leads at 844.1% versus 0.0% for RCC. At the gross margin level — before operating expenses — SCCD 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.
04Which pays a better dividend — SCCD or RCC?
All stocks in this comparison pay dividends. Ready Capital Corporation 5.75% (RCC) offers the highest yield at 4.8%, versus 1.4% for Sachem Capital Corp. 6.00% Notes Due 2026 (SCCD).
05Is SCCD or RCC 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%, SCCD: +31.1%), 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.
06What are the main differences between SCCD and RCC?
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: SCCD is a small-cap quality compounder stock; RCC is a small-cap income-oriented 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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