Ready Capital (RC) Stock Price, News & Analysis

Company Overview

Ready Capital Corporation (NYSE: RC) is a publicly traded commercial real estate finance company that specializes in originating and investing in small- to medium-balance mortgage loans. Headquartered in New York City, the firm provides financing solutions across a broad spectrum of property types, including multifamily, mixed-use, office, retail, industrial and hospitality assets. Ready Capital’s diversified platform is designed to meet the needs of owners, developers and operators seeking flexible capital for acquisition, refinance and renovation projects.

Through its multifamily lending business, Ready Capital partners with government-sponsored enterprises to offer standardized loan products for apartment communities and affordable housing. Its small balance lending division delivers tailored bridge and term loans via an experienced in-house team, enabling borrowers to access timely financing for properties below institutional loan thresholds. The company also maintains an active loan servicing operation, managing both balance-sheet portfolios and third-party servicing assignments to support comprehensive asset performance monitoring.

Operating in key regional markets throughout the United States, Ready Capital has established offices in major commercial hubs and collaborates with a network of mortgage brokers, financial advisors and industry partners. This geographic reach allows the company to source opportunities in urban, suburban and transitional markets and maintain a diversified exposure across economic cycles. Its underwriting approach emphasizes collateral quality, sponsor track record and conservative leverage metrics to mitigate risk and enhance portfolio resilience.

Founded in 2011 and publicly listed following a successful initial offering, Ready Capital is led by a senior management team with decades of combined experience in real estate finance. Under the leadership of CEO Daniel T. Prime and CFO Thomas L. Peterson, the firm continues to expand its capital solutions, refine its product offerings and strengthen its reputation as a reliable lender for middle-market property owners.

Key Stats

• Today's Range: $4.43 to $4.58
• 50-Day Range: $4.13 to $4.70
• 52-Week Range: $3.93 to $9.54
• Volume: 1.66 million shs
• Average Volume: 2.18 million shs
• Market Capitalization: $757.92 million
• P/E Ratio: N/A
• Dividend Yield: 11.25%
• Price Target: $7.04
• Consensus Rating: Hold

Ready Capital Stock Analysis - MarketRank™

Ready Capital scored higher than 52% of companies evaluated by MarketBeat, and ranked 601st out of 933 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: 3.0 / 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, 6 hold ratings, and 1 sell rating.

Amount of Analyst Coverage

Ready Capital has only been the subject of 2 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 -2.55, 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 -2.55, 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 0.41. 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

19.08% 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 13.5, which indicates bearish sentiment.

Change versus previous month

Short interest in Ready Capital has recently decreased by 1.89%, 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 11.26%, 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

19.08% 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 13.5, which indicates bearish sentiment.

Change versus previous month

Short interest in Ready Capital has recently decreased by 1.89%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: 0.74

News Sentiment

Ready Capital has a news sentiment score of 0.74. 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 lower news sentiment than the 0.96 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Ready Capital this week, compared to 10 articles on an average week.

Search Interest

Only 5 people have searched for RC on MarketBeat in the last 30 days. This is a decrease of -17% 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 34.8% and is now trading at $4.4450.

How were Ready Capital's earnings last quarter?

Ready Capital Corp (NYSE:RC) issued its quarterly earnings data on Thursday, May, 8th. The real estate investment trust reported ($0.09) earnings per share for the quarter, missing the consensus estimate of $0.12 by $0.21. The real estate investment trust had revenue of $40.24 million for the quarter, compared to the consensus estimate of $212.33 million. Ready Capital had a negative net margin of 34.40% and a positive trailing twelve-month return on equity of 5.53%.
Read the conference call transcript.

Who are Ready Capital's major shareholders?

Top institutional investors of Ready Capital include Kingstone Capital Partners Texas LLC (0.04%), Parallel Advisors LLC (0.02%) and Wealth Enhancement Advisory Services LLC (0.01%). Insiders that own company stock include Thomas E Capasse, Adam Zausmer, Kevin M Luebbers, Gilbert E Nathan, Andrew Ahlborn 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 4/30 Dividend: 3/31/2025
• Ex-Dividend for 4/30 Dividend: 3/31/2025
• Dividend Payable: 4/30/2025
• Last Earnings: 5/08/2025
• Record date for 7/31 Dividend: 6/30/2025
• Ex-Dividend for 7/31 Dividend: 6/30/2025
• Today: 7/13/2025
• Dividend Payable: 7/31/2025
• Next Earnings (Estimated): 8/06/2025
• 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: $7.04
• High Price Target: $10.00
• Low Price Target: $4.25
• Potential Upside/Downside: +58.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): ($1.74)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 4.78
• P/E Growth: N/A
• Net Income: -$435.76 million
• Net Margins: -34.40%
• Pretax Margin: -40.69%
• Return on Equity: 5.53%
• Return on Assets: 1.06%

Debt

• Debt-to-Equity Ratio: 0.77
• Current Ratio: 1.78
• Quick Ratio: 1.78

Sales & Book Value

• Annual Sales: $896.97 million
• Price / Sales: 0.84
• Cash Flow: $1.39 per share
• Price / Cash Flow: 3.19
• Book Value: $10.82 per share
• Price / Book: 0.41

Miscellaneous

• Outstanding Shares: 170,510,000
• Free Float: 168,631,000
• Market Cap: $757.92 million
• Optionable: Optionable
• Beta: 1.43