Stocks · Real Estate · REIT - Mortgage
Ready Capital Corporation RC
$1.13 +3.67% Close, Oct 2, 2026 · NYSE · Market cap $186.7M
Weak trendExpensive vs sectorHigh risk
Next earnings report: Nov 5, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was $409.1M, up 1107.9% from a year earlier, slowing from 1490.5% a quarter earlier.
- Operating margin widened to -108.1% from -190.4% a year earlier.
- Over the past year the stock returned -70.4%, behind the S&P 500 by 85.5 percentage points.
PromtFinance scores
Each score is a percentile within the Real Estate sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 1%
- Revenue growth, 3-year CAGRTop 33%
- Revenue growth accelerationBottom 1%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 2%
- Gross marginBottom 6%
- Operating marginBottom 2%
- Accruals (lower is better)Top 3%
- Interest coverBottom 8%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 1%
- Free-cash-flow yieldTop 1%
- EBITDA / enterprise valueBottom 4%
- Sales / enterprise valueBottom 31%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 6%
- 6-month returnBottom 8%
- 1-year return vs S&P 500Bottom 2%
- Distance from 52-week highBottom 3%
- Trend checklist (0–4)Bottom 22%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 5%
- Consecutive EPS beatsBottom 48%
- Share of analysts rating BuyTop 45%
- Upside to consensus price targetTop 8%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 3%
- Maximum drawdown, 3 yearsBottom 2%
- Beta vs S&P 500 (lower is better)Bottom 3%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 1490.5% | 1107.9% | ↓ |
| Gross margin | 67.4% | -17.8% | ↓ |
| Operating margin | -190.4% | -108.1% | ↑ |
| FCF margin | -203.1% | 246.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 1107.9% | 1490.5% | ↓ | Top 1% |
| Gross margin | -17.8% | 67.4% | ↓ | Bottom 6% |
| Operating margin | -108.1% | -190.4% | ↑ | Bottom 2% |
| Net margin | -136.0% | -890.0% | ↑ | — |
| Free-cash-flow margin | 246.8% | -203.1% | ↑ | — |
| Return on invested capital | -315.3% | — | Bottom 2% | |
| Revenue growth, 3-year CAGR | 9.2% | — | Top 33% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -25.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +984.2 pp
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -1.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 28.26%
- Net buyback yield (TTM)
- 6.67%
- Shareholder yield
- 34.93%
- Share count change, 1 year
- +0.3%
- Share count change, 3-year CAGR
- +6.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -100.0%
- Average 2-day reaction, last 8
- -2.5%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $2.00
- Target vs current price
- +77.0%
- Analysts with a rating
- 16
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | +2.5% | +0.6% | +13.6% | +13.6% | — |
| May 7, 2026 | -400.0% | +5.9% | -16.7% | -15.7% | -25.0% |
| Feb 26, 2026 | -290.9% | -1.8% | +24.7% | -4.8% | +11.4% |
| Nov 6, 2025 | -291.7% | -1.6% | -12.5% | -13.8% | -32.2% |
| Aug 7, 2025 | -1300.0% | +0.2% | -7.1% | +0.9% | -30.8% |
| May 8, 2025 | -175.0% | -0.7% | -3.6% | -4.8% | -5.2% |
| Mar 3, 2025 | +9.5% | -26.8% | -22.7% | -28.3% | -37.8% |
| Nov 8, 2024 | +8.7% | +4.4% | +1.0% | +5.6% | -3.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | -$0.47 | -$0.48 | +2.5% | -$13.8M |
| May 7, 2026 | -$1.00 | -$0.20 | -400.0% | -$63.1M |
| Feb 26, 2026 | -$0.43 | -$0.11 | -290.9% | -$14.1M |
| Nov 6, 2025 | -$0.94 | -$0.24 | -291.7% | $85.4M |
| Aug 7, 2025 | -$0.14 | -$0.01 | -1300.0% | $181.9M |
| May 8, 2025 | -$0.09 | $0.12 | -175.0% | -$74.1M |
| Mar 3, 2025 | $0.23 | $0.21 | +9.5% | $58.2M |
| Nov 8, 2024 | $0.25 | $0.23 | +8.7% | $56.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| EV / Sales | 11.54× | — | — | Bottom 31% |
| Free-cash-flow yield | 540.91% | — | — | Top 1% |
| Earnings yield | -302.65% | — | — | Bottom 1% |
P/E over the past five years
Range 3.7× – 7.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.7%
- 200-day average slope (20 days)
- -5.3%
- Distance from 50-day average
- -30.2%
- Distance from 200-day average
- -36.7%
- RSI (14)
- 23.5
- Relative volume
- 1.39×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 63.6%
- Volatility vs own 5-year history
- 90th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.33
- Correlation with S&P 500
- 0.43
- Current drawdown from 1-year high
- -70.0%
- Maximum drawdown, 3 years
- -90.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 24, 2021 | Oct 1, 2026 | -93.4% | 1323 days | Not yet recovered |
| Nov 23, 2020 | Jan 29, 2021 | -17.8% | 45 days | 22 days (Mar 3, 2021) |
| Mar 15, 2021 | Mar 24, 2021 | -14.9% | 7 days | 47 days (Jun 1, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $186.7M
- EPS, diluted (TTM)
- -$3.42
- Revenue (TTM)
- $409.1M
- Dividend yield
- 3.54%
- 52-week range
- $1.08 – $3.83
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $296.3M | $383.3M | $389.9M | $27.4M | $499.5M |
| Gross profit | $296.3M | $383.3M | $389.9M | $27.4M | $437.9M |
| Operating income | $0 | $0 | $0 | $0 | $121.0M |
| Net income | $157.7M | $194.3M | $339.5M | -$435.8M | -$228.9M |
| EPS (diluted) | $1.54 | $1.51 | $2.23 | -$2.63 | -$1.44 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $61.7M | $58.2M | -$74.1M | -$12.0M | $170.7M | $123.8M | $45.1M | $69.5M |
| Net income | -$9.3M | -$316.1M | $79.5M | -$55.5M | -$18.7M | -$234.2M | -$201.7M | -$101.5M |
| EPS (diluted) | -$0.07 | -$1.89 | $0.46 | -$0.34 | -$0.13 | -$1.42 | -$1.25 | -$0.62 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$34.4M | $359.1M | $33.1M | -$51.2M | -$203.5M |
| Capital expenditure | -$3.70B | $0 | $0 | $0 | $0 |
| Free cash flow | -$3.74B | $359.1M | $33.1M | -$51.2M | -$203.5M |
| Dividends paid | -$111.9M | -$187.8M | $0 | $0 | $0 |
| Net share buybacks | $66.8M | $86.5M | -$18.0M | -$82.3M | -$67.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $124.1M
- Total assets
- $6.26B
- Total liabilities
- $4.91B
- Total debt
- $4.66B
- Net debt
- $4.54B
- Shareholders’ equity
- $1.25B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 30, 2026 | $0.01 | Oct 30, 2026 |
| Jun 30, 2026 | $0.01 | Jul 31, 2026 |
| Mar 31, 2026 | $0.01 | Apr 30, 2026 |
| Dec 31, 2025 | $0.01 | Jan 30, 2026 |
| Sep 30, 2025 | $0.13 | Oct 31, 2025 |
| Jun 30, 2025 | $0.13 | Jul 31, 2025 |
| Mar 31, 2025 | $0.13 | Apr 30, 2025 |
| Dec 31, 2024 | $0.25 | Jan 31, 2025 |
Short interest
- Shares sold short
- 18,613,189
- Days to cover
- 23.71
- Change vs previous report
- -4.1%
FINRA short interest, settlement date Sep 15, 2026.