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Ready Capital Corporation 5.75%(RCC)Earnings, Financials & Key Ratios
RCC•NYSE•REIT / Real Estate
Price updated May 28, 2026
AboutReady Capital Corp. is a real estate finance company, which engages in acquiring, managing, and financing small balance commercial loans. It operates through the following segments: SBC Lending and Acquisitions, Small Business Lending, and Residential Mortgage Banking. The SBC Lending and Acquisitions segment is involved in the SBC loans across the full life-cycle of an SBC property including construction, bridge, stabilized, and agency loan origination channels through wholly-owned subsidiary, ReadyCap Commercial, LLC. The Small Business Lending segment acquires, originates, and services owner-occupied loans guaranteed by the SBA under its SBA Section 7(a) Program through wholly-owned subsidiary, ReadyCap Lending, LLC. The Residential Mortgage Banking segment focuses on the residential mortgage loan origination segment through wholly-owned subsidiary, GMFS, LLC. The company was founded in November 2011 and is headquartered in New York, NY.Show more
- Revenue$499M+1726.0%
- FFO-$226M+45.6%
- FFO/Share-1.35+44.6%
- FFO Payout-50.12%
- FFO per Share-1.35+44.6%
- NOI Margin87.67%-12.3%
- FFO Margin-45.27%+97.0%
- ROE-12.76%+32.9%
- ROA-2.56%+33.8%
RCC Key Insights
Ready Capital Corporation 5.75% (RCC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓High NOI margin of 87.7%
- ✓Healthy dividend yield of 4.8%
- ✓Trading near 52-week high
✗Weaknesses
- ✗High debt to equity ratio of 3.5x
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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RCC Price & Volume
Ready Capital Corporation 5.75% (RCC) stock price & volume — 10-year historical chart
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RCC Growth Metrics
Ready Capital Corporation 5.75% (RCC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years24.03%
5 Years5.36%
3 Years9.22%
TTM1725.96%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM47.47%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM45.42%
Return on Capital
10 Years-1.31%
5 Years1.38%
3 Years1.38%
Last Year1.38%
RCC Recent Earnings
Ready Capital Corporation 5.75% (RCC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/9 qtrs (67%)●Beat Revenue 1/9 qtrs (33%)
Q2 2026Latest
Mar 2, 2026Metric
Actual
Est
EPS
$1.45
—
Rev
$318M
—
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.11+53.4%
$0.24
Rev
$623,000-100.9%
$73M
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$0.34-528.8%
$0.05
Rev
$182M+325.6%
$43M
Q2 2025
May 8, 2025Metric
Actual
Est
EPS
$0.46+291.3%
$0.12
Rev
$26M-71.1%
$89M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 2, 2026 | $1.45 | $318M |
| Q4 2025 | Nov 6, 2025 | $0.11vs $0.24+53.4% | $623,000vs $73M-100.9% |
| Q3 2025 | Aug 7, 2025 | $0.34vs $0.05-528.8% | $182Mvs $43M+325.6% |
| Q2 2025 | May 8, 2025 | $0.46vs $0.12+291.3% | $26Mvs $89M-71.1% |
Based on last 9 quarters of dataView full earnings history →
RCC Peer Comparison
Ready Capital Corporation 5.75% (RCC) competitors in Real Estate Finance and Mortgage REITs — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 RC | 289.13M | 1.75 | -1.22 | 17.26% | -290.69% | -29.57% | 3.55 | |
 BXMT | 3.05B | 18.09 | 28.27 | -13.96% | 6.75% | 2.93% | 4.61 | |
 ACRE | 256.32M | 4.62 | -281.71 | -2.79% | -24.91% | -3.88% | 2.06 | |
 TRTX | 664.85M | 8.60 | 15.09 | 123.25% | 23.2% | 5.7% | 3.08 | |
 GPMT | 63.25M | 1.32 | -1.14 | 187.77% | -30.49% | -7.1% | 2.12 | |
 KREF | 453.96M | 7.06 | -6.72 | -22.72% | -23.56% | -8.4% | 3.83 | |
 LADR | 1.3B | 10.20 | 20 | -23.26% | 16.52% | 4.29% | 2.37 | |
 FBRT | 648.8M | 8.43 | 13.17 | -100% | 17.89% | 4.73% | 2.78 |
Compare RCC vs Peers
Ready Capital Corporation 5.75% (RCC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RCC Income Statement
Ready Capital Corporation 5.75% (RCC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | 152.82M | 158.26M | 197.87M | 384.65M | 296.34M | 383.33M | 389.94M | 27.35M | 499.47M |
Revenue Growth % | 22.31% | 3.56% | 25.03% | 94.39% | -22.96% | 29.36% | 1.72% | -92.98% | 1725.96% |
Property Operating Expenses | 77.01M | 28.75M | 0 | 0 | 0 | 0 | 0 | 0 | 61.61M |
Net Operating Income (NOI) | 75.81M▲ 0% | 129.52M▲ 70.8% | 197.87M▲ 52.8% | 384.65M▲ 94.4% | 296.34M▼ 23.0% | 383.33M▲ 29.4% | 389.94M▲ 1.7% | 27.35M▼ 93.0% | 437.87M▲ 1500.7% |
NOI Margin % | 49.61% | 81.84% | 100% | 100% | 100% | 100% | 100% | 100% | 87.67% |
Operating Expenses | 86.19M | 121.49M | 197.87M | 384.65M | 296.34M | 383.33M | 389.94M | 27.35M | 316.91M |
G&A Expenses | 65.21M | 65.52M | 61.11M | 102.31M | 71.74M | 87.86M | 96.27M | 98.74M | 30.84M |
EBITDA | 180.38M | 134.13M | 0 | 0 | 0 | 0 | 0 | 0 | 123.77M |
EBITDA Margin % | 118.04% | 84.75% | 0% | 0% | 0% | 0% | 0% | 0% | 24.78% |
Depreciation & Amortization | 232.21M | 255.62M | 0 | 0 | 0 | 0 | 0 | 0 | 2.81M |
D&A / Revenue % | 151.95% | 161.52% | 0% | 0% | 0% | 0% | 0% | 0% | 0.56% |
Operating Income | -51.83M▲ 0% | -121.49M▼ 134.4% | 0▲ 100.0% | 0▲ 0% | 0▲ 0% | 0▲ 0% | 0▲ 0% | 0▲ 0% | 120.96M▲ 0% |
Operating Margin % | -33.92% | -76.77% | 0% | 0% | 0% | 0% | 0% | 0% | 24.22% |
Interest Expense | 74.65M | 109.24M | 151.88M | 175.48M | 213.56M | 400.77M | 716.47M | 696.46M | 514.13M |
Interest Coverage | -0.33x | 0.47x | - | - | - | - | - | - | 0.41x |
Non-Operating Income | 70.7M | 39.74M | 0 | 0 | 0 | 0 | 0 | 0 | -90.61M |
Pretax Income | 47.65M▲ 0% | 62.84M▲ 31.9% | 64.5M▲ 2.6% | 54.45M▼ 15.6% | 132.16M▲ 142.7% | 175.03M▲ 32.4% | 358.42M▲ 104.8% | -516.51M▼ 244.1% | -302.56M▲ 41.4% |
Pretax Margin % | 31.18% | 39.71% | 32.6% | 14.16% | 44.6% | 45.66% | 91.92% | -1888.25% | -60.58% |
Income Tax | 1.84M | 1.39M | -10.55M | 8.38M | 14.86M | 15.47M | 7.17M | -104.51M | -86.7M |
Effective Tax Rate % | 3.86% | 2.21% | -16.36% | 15.4% | 11.24% | 8.84% | 2% | 20.23% | 28.66% |
Net Income | 43.29M▲ 0% | 59.26M▲ 36.9% | 72.97M▲ 23.1% | 44.87M▼ 38.5% | 157.74M▲ 251.6% | 194.26M▲ 23.2% | 339.45M▲ 74.7% | -435.75M▼ 228.4% | -228.91M▲ 47.5% |
Net Margin % | 28.33% | 37.44% | 36.88% | 11.67% | 53.23% | 50.68% | 87.05% | -1593.02% | -45.83% |
Net Income Growth % | -11.96% | 36.89% | 23.14% | -38.51% | 251.56% | 23.15% | 74.74% | -228.37% | 47.47% |
Funds From Operations (FFO) | 275.5M▲ 0% | 314.88M▲ 14.3% | 79.22M▼ 74.8% | 44.87M▼ 43.4% | 173.75M▲ 287.2% | 219.33M▲ 26.2% | 359.68M▲ 64.0% | -415.98M▼ 215.7% | -226.1M▲ 45.6% |
FFO Margin % | 180.28% | 198.96% | 40.04% | 11.67% | 58.63% | 57.22% | 92.24% | -1520.73% | -45.27% |
FFO Growth % | 73.41% | 14.29% | -74.84% | - | - | 26.23% | 63.99% | -215.65% | 45.65% |
FFO per Share | 8.78 | 9.81 | 1.88 | 0.83 | 2.53 | 1.87 | 2.42 | -2.44 | -1.35 |
FFO Payout Ratio % | 17.52% | 16.3% | 79.94% | 126.78% | 64.42% | 85.64% | 59.8% | 0% | -50.12% |
EPS (Diluted) | 1.38▲ 0% | 1.85▲ 34.1% | 1.72▼ 7.0% | 0.81▼ 52.9% | 1.54▲ 90.1% | 1.51▼ 1.9% | 2.23▲ 47.7% | -2.63▼ 217.9% | -1.44▲ 45.2% |
EPS Growth % | -25.41% | 34.06% | -7.03% | -52.91% | 90.12% | -1.95% | 47.68% | -217.94% | 45.25% |
EPS (Basic) | 1.38 | 1.85 | 1.72 | 0.81 | 2.17 | 1.32 | 2.26 | -2.63 | -1.44 |
Diluted Shares Outstanding | 31.37M | 32.1M | 42.05M | 53.82M | 68.66M | 117.19M | 148.57M | 170.47M | 167.26M |
RCC Balance Sheet
Ready Capital Corporation 5.75% (RCC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Total Assets | 2.52B | 3.04B | 4.98B | 5.37B | 9.53B | 11.62B | 12.44B | 10.14B | 7.77B |
Asset Growth % | -3.14% | 20.34% | 63.89% | 7.94% | 77.47% | 21.89% | 7.06% | -18.48% | -23.39% |
Real Estate & Other Assets | 875.16M | 1.26B | -31.8M | -36.59M | 49.58M | 136.27M | -6.13B | -510.69M | -2.4B |
PP&E (Net) | 1.36B | 24M | 4.53M | 3.17M | 2.4M | 1.69M | 2.54M | 7.36M | 0 |
Investment Securities | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
Total Current Assets | 81.58M | 1.49B | 111.19M | 41.13M | 237.4M | 289.93M | 272.89M | 0 | 207.84M |
Cash & Equivalents | 63.42M | 54.41M | 67.93M | 138.97M | 229.53M | 163.04M | 138.53M | 143.8M | 247.59M |
Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
Other Current Assets | 0 | 1.41B | 70.55M | 0 | -21.58M | -10.19B | 123.26M | -391.42M | -135.92M |
Intangible Assets | 94.04M | 120.06M | 130.28M | 121.65M | 219.44M | 102.57M | 120.59M | 165.45M | 164.45M |
Total Liabilities | 1.97B | 2.47B | 4.13B | 4.54B | 8.25B | 9.72B | 9.79B | 8.21B | 6.12B |
Total Debt | 1.78B | 2.31B | 3.93B | 4.12B | 7.92B | 9.34B | 7.24B | 6.04B | 5.86B |
Net Debt | 1.71B | 2.25B | 3.86B | 3.98B | 6.74B | 9.03B | 7.11B | 5.89B | 5.62B |
Long-Term Debt | 1.78B | 1.82B | 2.74B | 3.12B | 5.81B | 8.34B | 7.09B | 5.7B | 5.67B |
Short-Term Borrowings | 101.1M | 88.39M | 380.2M | 999.47M | 2.11B | 996.56M | 149.92M | 317.05M | 200.13M |
Capital Lease Obligations | 0 | 0 | 4.62M | 3.67M | 3M | 1.78M | 8.21M | 17.81M | 8.56M |
Total Current Liabilities | 86.92M | 86.86M | 411.65M | 569.96M | 655.96M | 457.75M | 345.13M | 0 | 200.13M |
Accounts Payable | 15.98M | 24.83M | 31.45M | 27.01M | 41.38M | 47.95M | 41.62M | 53.33M | 59.69M |
Deferred Revenue | -18.22M | -48.69M | 4.13B | 10.7M | 286K | 9.72B | -32.98M | 0 | 0 |
Other Liabilities | 86.95M | 344.67M | -2.76B | 0 | 2.51B | -6.38B | 11.27M | -5.72B | 237.99M |
Total Equity | 555.47M▲ 0% | 564.08M▲ 1.5% | 844.78M▲ 49.8% | 834.21M▼ 1.3% | 1.28B▲ 53.5% | 1.9B▲ 48.3% | 2.65B▲ 39.4% | 1.94B▼ 26.9% | 1.65B▼ 14.7% |
Equity Growth % | 0.61% | 1.55% | 49.76% | -1.25% | 53.51% | 48.26% | 39.41% | -26.86% | -14.68% |
Shareholders Equity | 536.07M | 544.83M | 825.41M | 815.4M | 1.28B | 1.8B | 2.55B | 1.84B | 1.55B |
Minority Interest | 19.39M | 19.24M | 19.37M | 18.81M | 4.49M | 99.15M | 98.46M | 97.7M | 99.23M |
Common Stock | 3K | 3K | 5K | 5K | 8K | 11K | 17K | 17K | 17K |
Additional Paid-in Capital | 539.46M | 540.48M | 822.84M | 849.54M | 1.16B | 1.68B | 2.32B | 2.25B | 2.26B |
Retained Earnings | -3.38M | 5.27M | 8.75M | -24.2M | 8.6M | 4.99M | 124.41M | -505.09M | -807.52M |
Preferred Stock | 0 | 5.27M | 0 | 0 | 111.38M | 119.74M | 119.74M | 111.38M | 119.74M |
Return on Assets (ROA) | 1.69% | 2.13% | 1.82% | 0.87% | 2.12% | 1.84% | 2.82% | -3.86% | -2.56% |
Return on Equity (ROE) | 7.82% | 10.59% | 10.36% | 5.34% | 14.92% | 12.22% | 14.94% | -19.02% | -12.76% |
Debt / Assets | 70.36% | 75.96% | 78.97% | 76.71% | 83.06% | 80.35% | 58.23% | 59.51% | 75.46% |
Debt / Equity | 3.20x | 4.09x | 4.65x | 4.94x | 6.18x | 4.92x | 2.74x | 3.12x | 3.55x |
Net Debt / EBITDA | 9.49x | 16.79x | - | - | - | - | - | - | 45.37x |
Book Value per Share | 17.71 | 17.57 | 20.09 | 15.50 | 18.65 | 16.20 | 17.82 | 11.36 | 9.87 |
RCC Cash Flow Statement
Ready Capital Corporation 5.75% (RCC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 352.49M | 140.3M | -52.4M | 68.89M | -34.44M | 359.15M | 33.07M | -51.22M | -203.48M |
Operating CF Growth % | 2287.65% | -60.2% | -137.35% | 231.48% | -149.99% | 1142.79% | -90.79% | -254.89% | -297.27% |
Operating CF / Revenue % | 230.66% | 88.65% | -26.48% | 17.91% | -11.62% | 93.69% | 8.48% | -187.25% | -40.74% |
Net Income | 45.81M | 61.46M | 75.06M | 46.07M | 159.97M | 203.16M | 341M | -418.49M | -221.06M |
Depreciation & Amortization | 14.53M | 15.47M | 6.25M | 0 | 16.01M | 25.07M | 20.23M | 19.77M | 2.81M |
Stock-Based Compensation | 290K | 447K | 1.48M | 5.3M | 6.92M | 7.5M | 0 | 0 | 5.81M |
Other Non-Cash Items | 379.79M | 171.49M | -113.75M | -53.25M | -184.09M | 176.78M | -195.18M | 482.28M | 164.89M |
Working Capital Changes | 20.28M | -12.58M | -15.17M | 70.78M | -17.25M | -28.29M | -132.97M | -134.79M | -155.93M |
Cash from Investing | -242.23M | -580.76M | -1.21B | -59.44M | -1.72B | -1.56B | 1.04B | 1.86B | 2.28B |
Acquisitions (Net) | 0 | 20.88M | -5M | 0 | -11.54M | 123.71M | 38.71M | -44.37M | 16.02M |
Purchase of Investments | -54.32M | 362K | -26.66M | -37.92M | -59.71M | -128.24M | -37.79M | -34.65M | 0 |
Sale of Investments | 436.44M | 799.06M | 15.58M | 12.49M | 2.02B | 214.22M | 93.63M | 80.83M | 776K |
Other Investing | -624.36M | -1.4B | -1.2B | -34.01M | 41.75M | -1.77B | 942.95M | 1.86B | 2.26B |
Cash from Financing | -106.4M | 444.48M | 1.3B | 63.05M | 1.88B | 1.17B | -1.09B | -1.88B | -2.04B |
Dividends Paid | -48.26M | -51.32M | -63.33M | -56.88M | -111.92M | -187.83M | -215.09M | -206.06M | -113.32M |
Common Dividends | -48.26M | -51.32M | -63.33M | -56.88M | -111.92M | -187.83M | 0 | 0 | -113.32M |
Debt Issuance (Net) | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K |
Share Repurchases | 0 | -103K | 0 | -9.23M | -98.24M | -36.97M | -18.11M | -82.25M | -67.6M |
Other Financing | -56K | 63.56M | -29.39M | -14.47M | -63.4M | -166.26M | 35.27M | -41.89M | -6.43M |
Net Change in Cash | 3.86M▲ 0% | 4.02M▲ 4.1% | 33.01M▲ 722.0% | 72.5M▲ 119.6% | 122.85M▲ 69.4% | -26.3M▼ 121.4% | -50.37M▼ 91.5% | 5.77M▲ 111.5% | 73.22M▲ 1169.5% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | -35.86M | 75.72M | 36.26M |
Cash at Beginning | 59.57M | 90.95M | 94.97M | 127.98M | 200.48M | 323.33M | 218.97M | 168.59M | 182.77M |
Cash at End | 63.42M | 94.97M | 127.98M | 200.48M | 323.33M | 297.03M | 168.59M | 174.36M | 249.53M |
Free Cash Flow | 352.49M▲ 0% | 139.94M▼ 60.3% | -53.29M▼ 138.1% | 68.89M▲ 229.3% | -3.74B▼ 5527.6% | 359.15M▲ 109.6% | 33.07M▼ 90.8% | -51.22M▼ 254.9% | -203.48M▼ 297.3% |
FCF Growth % | 336.76% | -60.3% | -138.08% | 229.28% | -5527.62% | 109.6% | -90.79% | -254.89% | -297.27% |
FCF / Revenue % | 230.66% | 88.42% | -26.93% | 17.91% | -1261.83% | 93.69% | 8.48% | -187.25% | -40.74% |
RCC Key Ratios
Ready Capital Corporation 5.75% (RCC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
FFO per Share | 5.96 | 8.78 | 9.81 | 1.88 | 0.83 | 2.53 | 1.87 | 2.42 | -2.44 | -1.35 |
FFO Payout Ratio | 29.5% | 17.52% | 16.3% | 79.94% | 126.78% | 64.42% | 85.64% | 59.8% | 0% | -50.12% |
NOI Margin | 47.5% | 49.61% | 81.84% | 100% | 100% | 100% | 100% | 100% | 100% | 87.67% |
Net Debt / EBITDA | 10.58x | 9.49x | 16.79x | - | - | - | - | - | - | 45.37x |
Debt / Assets | 46.73% | 70.36% | 75.96% | 78.97% | 76.71% | 83.06% | 80.35% | 58.23% | 59.51% | 75.46% |
Interest Coverage | - | -0.33x | 0.47x | - | - | - | - | - | - | 0.41x |
Book Value / Share | 20.72 | 17.71 | 17.57 | 20.09 | 15.5 | 18.65 | 16.2 | 17.82 | 11.36 | 9.87 |
Revenue Growth | 115.49% | 22.31% | 3.56% | 25.03% | 94.39% | -22.96% | 29.36% | 1.72% | -92.98% | 1725.96% |
Related:RCC Dividend History·RCC Revenue History·RCC Price History·RCC P/E History·RCC Financial Ratios·RCC Institutional Holders
RCC SEC Filings & Documents
Ready Capital Corporation 5.75% (RCC) SEC filings — annual & quarterly reports (10-K, 10-Q)
RCC Frequently Asked Questions
Ready Capital Corporation 5.75% (RCC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Ready Capital Corporation 5.75% (RCC) reported $499.5M in revenue for fiscal year 2025. This represents a 1943% increase from $24.4M in 2012.
Ready Capital Corporation 5.75% (RCC) grew revenue by 1726.0% over the past year. This is strong growth.
Ready Capital Corporation 5.75% (RCC) reported a net loss of $228.9M for fiscal year 2025.
Dividend & Returns
Yes, Ready Capital Corporation 5.75% (RCC) pays a dividend with a yield of 4.83%. This makes it attractive for income-focused investors.
Ready Capital Corporation 5.75% (RCC) has a return on equity (ROE) of -12.8%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Ready Capital Corporation 5.75% (RCC) generated Funds From Operations (FFO) of $-226.1M in the trailing twelve months. FFO is the primary profitability metric for REITs.
Ready Capital Corporation 5.75% (RCC) offers a 4.83% dividend yield, which is attractive for income investors. REITs are required to distribute at least 90% of taxable income to shareholders.