Comprehensive Stock Comparison
Compare Sachem Capital Corp. 7.125% Not (SCCF) 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 | SCCF | 91.9% revenue growth vs RCC's -93.0% |
| Quality / Margins | SCCF | -328.5% net margin vs RCC's -15.9% |
| Stability / Safety | RCC | Beta 0.00 vs SCCF's 0.04 |
| Dividends | RCC | 4.8% yield, vs SCCF's 1.5% |
| Momentum (1Y) | SCCF | +27.7% vs RCC's +7.7% |
| Efficiency (ROA) | RCC | -3.7% ROA vs SCCF's -6.7% |
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
Sachem Capital is a mortgage real estate investment trust that provides short-term, first mortgage 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 — with additional income from loan origination fees and servicing. The company's competitive advantage lies in its specialized focus on the underserved short-term lending market for residential and commercial property investors, where it has developed deep underwriting expertise.
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
SCCF leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). RCC leads in 1 (Analyst Outlook). 2 tied.
Financial Metrics (TTM)
SCCF and RCC operate at a comparable scale, with $10M and -$9M in trailing revenue. SCCF is the more profitable business, keeping -3.3% of every revenue dollar as net income compared to RCC's -15.9%. On growth, SCCF holds the edge at +82.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | SCCFSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| RevenueTrailing 12 months | $10M | -$9M |
| EBITDAEarnings before interest/tax | -$19M | -$95M |
| Net IncomeAfter-tax profit | -$32M | -$311M |
| Free Cash FlowCash after capex | $4M | $366M |
| Gross MarginGross profit ÷ Revenue | +3.1% | +100.0% |
| Operating MarginEBIT ÷ Revenue | -194.3% | — |
| Net MarginNet income ÷ Revenue | -3.3% | -15.9% |
| FCF MarginFCF ÷ Revenue | +35.7% | -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 | SCCFSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| Market CapShares × price | $1.1B | $4.1B |
| Enterprise ValueMkt cap + debt − cash | $1.4B | $10.0B |
| Trailing P/EPrice ÷ TTM EPS | -25.27x | -9.52x |
| Forward P/EPrice ÷ next-FY EPS est. | 391.67x | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | — |
| Price / SalesMarket cap ÷ Revenue | 19.49x | 149.02x |
| Price / BookPrice ÷ Book value/share | 6.13x | 2.21x |
| Price / FCFMarket cap ÷ FCF | 87.47x | — |
Profitability & Efficiency
RCC delivers a -16.6% return on equity — every $100 of shareholder capital generates $-17 in annual profit, vs $-18 for SCCF. SCCF carries lower financial leverage with a 1.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to RCC's 3.12x. On the Piotroski fundamental quality scale (0–9), SCCF scores 3/9 vs RCC's 1/9, reflecting mixed financial health.
| Metric | SCCFSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| ROE (TTM)Return on equity | -18.4% | -16.6% |
| ROA (TTM)Return on assets | -6.7% | -3.7% |
| ROICReturn on invested capital | -2.5% | — |
| ROCEReturn on capital employed | -3.2% | — |
| Piotroski ScoreFundamental quality 0–9 | 3 | 1 |
| Debt / EquityFinancial leverage | 1.66x | 3.12x |
| Net DebtTotal debt minus cash | $283M | $5.9B |
| Cash & Equiv.Liquid assets | $18M | $144M |
| Total DebtShort + long-term debt | $301M | $6.0B |
| Interest CoverageEBIT ÷ Interest expense | — | — |
Total Returns (with DRIP)
A $10,000 investment in RCC five years ago would be worth $12,332 today (with dividends reinvested), compared to $12,161 for SCCF. Over the past 12 months, SCCF leads with a +27.7% total return vs RCC's +7.7%. The 3-year compound annual growth rate (CAGR) favors SCCF at 9.4% vs RCC's 7.9% — a key indicator of consistent wealth creation.
| Metric | SCCFSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| YTD ReturnYear-to-date | +0.8% | +1.2% |
| 1-Year ReturnPast 12 months | +27.7% | +7.7% |
| 3-Year ReturnCumulative with dividends | +31.1% | +25.7% |
| 5-Year ReturnCumulative with dividends | +21.6% | +23.3% |
| 10-Year ReturnCumulative with dividends | +21.6% | +27.5% |
| CAGR (3Y)Annualised 3-year return | +9.4% | +7.9% |
Risk & Volatility
RCC is the less volatile stock with a 0.00 beta — it tends to amplify market swings less than SCCF's 0.04 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SCCF currently trades 99.2% from its 52-week high vs RCC's 93.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SCCFSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.04x | 0.00x |
| 52-Week HighHighest price in past year | $23.69 | $26.87 |
| 52-Week LowLowest price in past year | $17.94 | $23.97 |
| % of 52W HighCurrent price vs 52-week peak | +99.2% | +93.2% |
| RSI (14)Momentum oscillator 0–100 | 60.4 | 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 SCCF's 1.48%.
| Metric | SCCFSachem Capital Co… | RCCReady Capital Cor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | +1.5% | +4.8% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.35 | $1.21 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +2.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | May 22 | Feb 26 | Change |
|---|---|---|---|
| Sachem Capital Corp… (SCCF) | 100 | 94.77 | -5.2% |
| Ready Capital Corpo… (RCC) | 100 | 99.6 | -0.4% |
Ready Capital Corpo… (RCC) returned +23% over 5 years vs Sachem Capital Corp… (SCCF)'s +22%. A $10,000 investment in RCC 5 years ago would be worth $12,332 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Sachem Capital Corp… (SCCF) | $3M | $58M | +1963.4% |
| Ready Capital Corpo… (RCC) | $58M | $27M | -52.8% |
Sachem Capital Corp. 7.125% Not's revenue grew from $3M (2015) to $58M (2024) — a 40.0% CAGR. 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… (SCCF) | 82.8% | -68.8% | -183.1% |
| Ready Capital Corpo… (RCC) | -2.2% | -15.9% | -632.6% |
Sachem Capital Corp. 7.125% Not's net margin went from 83% (2015) to -69% (2024). 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 |
|---|---|---|---|
| Ready Capital Corpo… (RCC) | 16.8 | 10.8 | -35.7% |
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… (SCCF) | 0.2 | -0.93 | -564.5% |
| Ready Capital Corpo… (RCC) | -0.04 | -2.63 | -6393.8% |
Sachem Capital Corp. 7.125% Not's EPS grew from $0.20 (2015) to $-0.93 (2024) — a NaN% CAGR. 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. 7.125% Not generated $13M FCF in 2024 (-46% vs 2021). Ready Capital Corporation 5.75% generated $-51M FCF in 2024 (+99% vs 2021).
SCCF vs RCC: Frequently Asked Questions
6 questions · data-driven answers · updated daily
01Which is the better long-term investment — SCCF or RCC?
Over the past 5 years, Ready Capital Corporation 5.75% (RCC) delivered a total return of +23.3%, compared to +21.6% for Sachem Capital Corp. 7.125% Not (SCCF). A $10,000 investment in RCC five years ago would be worth approximately $12K today (assuming dividends reinvested). Over 10 years, the gap is even starker: RCC returned +27.5% versus SCCF's +21.6%. 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 — SCCF 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. 7.125% Not's 0.04β — meaning SCCF is approximately 5600% more volatile than RCC relative to the S&P 500. On balance sheet safety, Sachem Capital Corp. 7.125% Not (SCCF) carries a lower debt/equity ratio of 166% versus 3% for Ready Capital Corporation 5.75% — giving it more financial flexibility in a downturn.
03Which has better profit margins — SCCF or RCC?
Sachem Capital Corp. 7.125% Not (SCCF) is the more profitable company, earning -68.8% net margin versus -1593.0% for Ready Capital Corporation 5.75% — meaning it keeps -68.8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RCC leads at 0.0% versus -30.9% for SCCF. At the gross margin level — before operating expenses — SCCF 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 — SCCF or RCC?
All stocks in this comparison pay dividends. Ready Capital Corporation 5.75% (RCC) offers the highest yield at 4.8%, versus 1.5% for Sachem Capital Corp. 7.125% Not (SCCF).
05Is SCCF 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%, SCCF: +21.6%), 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 SCCF 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: SCCF 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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