MODEL VERDICT
Ready Capital Corporation 5.75% (RCC)
Relative Valuation•Peer multiples, Monte Carlo simulation & quality-adjusted fair value
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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 | NEUTRAL | 0.16 | $25.04 | CURRENT | — |
| Apr 24, 2026 | NEUTRAL | 0.16 | $25.04 | CURRENT | — |
| Apr 17, 2026 | NEUTRAL | 0.16 | $25.04 | CURRENT | — |
| Apr 16, 2026 | NEUTRAL | 0.16 | $25.04 | CURRENT | — |
| Apr 10, 2026 | NEUTRAL | 0.16 | $25.04 | CURRENT | — |
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 7 industry peers | $6.67 | -73.4% | 12% | B | Supplementary |
| Price / Book 8 industry peers | $8.18 | -67.3% | 8% | B | Model Driven |
| Price / Sales 8 industry peers | $7.34 | -70.7% | 2% | B | Model Driven |
| Weighted Output Blended model output | $13.63 | -45.6% | 100% | 62 | SIGNIFICANTLY OVERVALUED |
Cross-sectional regression predicting expected multiples based on growth, margins, ROIC, and beta.
| Multiple | Avg | Median | Min | Max | Std |
|---|---|---|---|---|---|
| P/E Ratio | 14.29 | 15.28 | 10.76 | 16.83 | 3.15 |
| P/FCF | 41.51 | 9.19 | 7.53 | 107.83 | 57.43 |
| P/FFO | 10.83 | 10.24 | 9.91 | 12.33 | 1.31 |
| P/TBV | 1.97 | 1.73 | 1.43 | 2.75 | 0.58 |
| P/B Ratio | 1.77 | 1.42 | 1.35 | 2.54 | 0.54 |
| Div Yield | 0.05 | 0.06 | 0.03 | 0.07 | 0.02 |
| P/S Ratio | 36.56 | 8.39 | 6.01 | 152.19 | 64.65 |
Based on our peer multiples analysis with 9 valuation metrics, the model estimates RCC's fair value at $13.63 vs the current price of $25.04, implying -45.6% downside potential. Model verdict: Significantly Overvalued. Confidence: 62/100. This is a quantitative estimate, not a recommendation.
The blended fair value of $13.63 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 $8.86 (P10) to $13.43 (P90), with a median of $10.76.
RCC's current P/E of -9.5x compares to the industry median of 16.7x (5 peers in the group). This represents a -157.0% discount to the industry. The historical average P/E is 14.3x over 3 years. Signal: Deep Discount.
No analyst coverage data is available for RCC.
The model confidence score is 62/100, based on: data completeness (7), peer quality (25), historical depth (16), earnings stability (12), and model agreement (2). 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 RCC.
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.