MODEL VERDICT
Ready Capital Corporation (RC)
Relative Valuation•Peer multiples, Monte Carlo simulation & quality-adjusted fair value
Popular:
Composite score derived from valuation, quality, and risk factors
Quantitative model thresholds · For educational and research purposes only
Each row records the model's monthly assessment. High Conviction = the model detected notable undervaluation vs peers. Neutral = no notable divergence was found. The return column shows the actual price change over 90 days for reference. This is a quantitative observation log — not investment advice.
| Date | Assessment | Score | Price | Status | 90d Fwd Return |
|---|---|---|---|---|---|
| May 1, 2026 | MODERATE | 0.63 | $1.94 | CURRENT | — |
| Apr 24, 2026 | MODERATE | 0.63 | $1.86 | CURRENT | — |
| Mar 6, 2026 | MODERATE | 0.64 | $1.92 | Pending | -16.7% |
| Feb 11, 2026 | MODERATE | 0.64 | $1.86 | Pending | -15.1% |
| Jan 11, 2026 | MODERATE | 0.67 | $2.16 | Monitoring | -26.9% |
Historical model observations for research purposes only. Past quantitative patterns do not predict future results. Not a recommendation to buy, sell, or hold any security.
| Methodology | Fair Value | vs Current | Weight | Quality | Status |
|---|---|---|---|---|---|
| Dividend Yield 8 industry peers | $12.56 | +547.4% | 12% | B | Supplementary |
| Price / Book 8 industry peers | $10.30 | +430.9% | 8% | B | Model Driven |
| Weighted Output Blended model output | $11.10 | +472.3% | 100% | 60 | SIGNIFICANTLY UNDERVALUED |
Cross-sectional regression predicting expected multiples based on growth, margins, ROIC, and beta.
| Multiple | Avg | Median | Min | Max | Std |
|---|---|---|---|---|---|
| P/E Ratio | 8.99 | 8.22 | 4.60 | 15.37 | 3.64 |
| P/FCF | 15.65 | 6.68 | 3.17 | 46.05 | 20.49 |
| P/FFO | 5.19 | 5.95 | 1.41 | 8.18 | 2.54 |
| P/TBV | 0.85 | 0.92 | 0.61 | 1.04 | 0.17 |
| P/B Ratio | 0.72 | 0.77 | 0.58 | 0.84 | 0.10 |
| Div Yield | 0.12 | 0.12 | 0.08 | 0.18 | 0.03 |
| P/S Ratio | 8.75 | 3.41 | 1.74 | 42.50 | 14.90 |
Based on our peer multiples analysis with 6 valuation metrics, the model estimates RC's fair value at $11.10 vs the current price of $1.94, implying +472.3% upside potential. Model verdict: Significantly Undervalued. Confidence: 60/100. This is a quantitative estimate, not a recommendation.
The blended fair value of $11.10 is calculated using four lenses: industry median multiples (40%), historical multiples (30%), forward estimates (20%), and quality-adjusted multiples (10%). Monte Carlo simulation (10,000 iterations) gives a range of $7.86 (P10) to $10.86 (P90), with a median of $9.34.
RC's current P/E of -0.7x compares to the industry median of 18.1x (6 peers in the group). This represents a -104.1% discount to the industry. The historical average P/E is 9.0x over 6 years. Signal: Deep Discount.
16 analysts cover RC with a consensus rating of Buy. The consensus price target is $2.50 (range: $2.50 — $2.50), implying +28.9% upside from the current price. Grade breakdown: Strong Buy (0), Buy (8), Hold (7), Sell (1), Strong Sell (0).
The model confidence score is 60/100, based on: data completeness (7), peer quality (25), historical depth (20), earnings stability (4), and model agreement (4). Cyclicality penalty: -0 points. The model shows moderate agreement across inputs.
The model flags several key risks: (1) Macro/regulatory risks are not captured in this model but remain material.
Peak earnings risk data is not available for RC.
No. This dashboard is a quantitative research tool for educational and informational purposes only. It is not investment advice, a solicitation, or a recommendation to buy, sell, or hold any security. The operator of this platform is not a registered investment advisor (RIA), broker-dealer, or financial planner. All model outputs, fair value estimates, signals, and scenarios are the result of automated quantitative computations and should not be construed as professional financial guidance. You should consult a qualified, licensed financial advisor before making any investment decisions. Past model performance is not indicative of future results.