Ready Capital (RC) Stock Price, News & Analysis

Company Overview

Ready Capital Corporation is a specialty finance real estate investment trust (REIT) that originates, acquires and manages commercial real estate loans and related assets. The company offers financing solutions across a variety of property types, including multifamily, office, retail, industrial, hospitality and mixed-use assets. Ready Capital focuses on delivering flexible loan structures to meet the diverse needs of borrowers in the small balance and middle-market sectors.

Through its small balance commercial real estate lending platform, Ready Capital provides loans typically ranging from $1 million to $15 million for acquisitions, refinancings, renovations and bridge financing. The company also operates a dedicated U.S. Small Business Administration (SBA) division that offers 7(a) and 504 loan programs to support small business owners and owner-occupiers in acquiring or expanding commercial real estate assets.

In addition to its small balance and SBA offerings, Ready Capital delivers middle-market construction, permanent and bridge loans, serving clients nationwide. The firm leverages its origination and warehouse lending capabilities to distribute loan participations and securitize assets, aiming to optimize capital efficiency and manage risk across economic cycles.

Headquartered in New York and established in 2014, Ready Capital maintains a broad branch network and correspondent relationships throughout the United States. The company’s management team brings extensive experience in real estate finance, capital markets and risk management, guiding its strategy to generate steady income streams and enhance shareholder value.

Key Stats

• Today's Range: $4.13 to $4.25
• 50-Day Range: $3.71 to $4.70
• 52-Week Range: $3.70 to $8.41
• Volume: 979,342 shs
• Average Volume: 2.41 million shs
• Market Capitalization: $694.28 million
• P/E Ratio: N/A
• Dividend Yield: 11.83%
• Price Target: $5.88
• Consensus Rating: Hold

Ready Capital Stock Analysis - MarketRank™

Ready Capital scored higher than 63% of companies evaluated by MarketBeat, and ranked 564th out of 959 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.6 / 5
• Analyst Rating: Hold

Consensus Rating

Ready Capital has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on 1 buy rating, 5 hold ratings, and 1 sell rating.

Upside Potential

Ready Capital has a consensus price target of $5.88, representing about 39.1% upside from its current price of $4.23.

Amount of Analyst Coverage

Ready Capital has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 12.90%

Earnings Growth

Earnings for Ready Capital are expected to grow by 12.90% in the coming year, from $0.93 to $1.05 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Ready Capital is -2.28, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Ready Capital is -2.28, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Ready Capital has a P/B Ratio of 0.39. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

17.55% of the float of Ready Capital has been sold short.

Short Interest Ratio / Days to Cover

Ready Capital has a short interest ratio ("days to cover") of 14.3, which indicates bearish sentiment.

Change versus previous month

Short interest in Ready Capital has recently decreased by 0.31%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Ready Capital is a leading dividend payer. It pays a dividend yield of 12.16%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Ready Capital does not have a long track record of dividend growth.

Dividend Sustainability

Based on earnings estimates, Ready Capital will have a dividend payout ratio of 47.62% next year. This indicates that Ready Capital will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

17.55% of the float of Ready Capital has been sold short.

Short Interest Ratio / Days to Cover

Ready Capital has a short interest ratio ("days to cover") of 14.3, which indicates bearish sentiment.

Change versus previous month

Short interest in Ready Capital has recently decreased by 0.31%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.5 / 5
• News Sentiment: 1.51

News Sentiment

Ready Capital has a news sentiment score of 1.51. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.06 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Ready Capital this week, compared to 11 articles on an average week.

Search Interest

Only 6 people have searched for RC on MarketBeat in the last 30 days. This is a decrease of -14% compared to the previous 30 days.

MarketBeat Follows

Only 2 people have added Ready Capital to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Ready Capital insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 1.10% of the stock of Ready Capital is held by insiders.

Percentage Held by Institutions

55.87% of the stock of Ready Capital is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

RC Stock Analysis - Frequently Asked Questions

How have RC shares performed this year?

Ready Capital's stock was trading at $6.82 at the start of the year. Since then, RC shares have decreased by 38.0% and is now trading at $4.2250.

How were Ready Capital's earnings last quarter?

Ready Capital Corp (NYSE:RC) issued its quarterly earnings results on Thursday, August, 7th. The real estate investment trust reported ($0.14) earnings per share for the quarter, missing analysts' consensus estimates of ($0.01) by $0.13. The real estate investment trust earned ($9.77) million during the quarter, compared to analyst estimates of $167.26 million. Ready Capital had a positive trailing twelve-month return on equity of 3.76% and a negative net margin of 40.59%.
Read the conference call transcript.

Who are Ready Capital's major shareholders?

Ready Capital's top institutional shareholders include Geode Capital Management LLC (2.36%), Balyasny Asset Management L.P. (2.42%), Invesco Ltd. (2.05%) and MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. (1.17%). Insiders that own company stock include Thomas E Capasse, Adam Zausmer, Kevin M Luebbers, Gilbert E Nathan and Dominique Mielle.
View institutional ownership trends.

How do I buy shares of Ready Capital?

Shares of RC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Ready Capital own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Ready Capital investors own include Energy Transfer (ET), Enterprise Products Partners (EPD), NVIDIA (NVDA), Rithm Capital (RITM), AGNC Investment (AGNC), Meta Platforms (META) and Annaly Capital Management (NLY).

Company Calendar

• Record date for 7/31 Dividend: 6/30/2025
• Ex-Dividend for 7/31 Dividend: 6/30/2025
• Dividend Payable: 7/31/2025
• Last Earnings: 8/07/2025
• Today: 9/12/2025
• Next Earnings (Estimated): 11/06/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: REIT - MTGE TRUST
• Sub-Industry: Mortgage REITs
• Current Symbol: NYSE:RC
• CIK: 1527590
• Web: www.sutherlandam.com
• Phone: (212) 257-4600
• Fax: N/A
• Employees: 600
• Year Founded: 2007

Price Target and Rating

• Average Price Target for Ready Capital: $5.88
• High Price Target: $9.50
• Low Price Target: $3.75
• Potential Upside/Downside: +38.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): ($1.85)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 4.56
• P/E Growth: N/A
• Net Income: -$435.76 million
• Net Margins: -40.59%
• Pretax Margin: -46.36%
• Return on Equity: 3.76%
• Return on Assets: 0.72%

Debt

• Debt-to-Equity Ratio: 0.76
• Current Ratio: 1.61
• Quick Ratio: 1.61

Sales & Book Value

• Annual Sales: $896.97 million
• Price / Sales: 0.78
• Cash Flow: $1.44 per share
• Price / Cash Flow: 2.95
• Book Value: $10.82 per share
• Price / Book: 0.39

Miscellaneous

• Outstanding Shares: 164,330,000
• Free Float: 162,519,000
• Market Cap: $696.76 million
• Optionable: Optionable
• Beta: 1.38