WallStSmart

Ready Capital Corp (RC)vsRithm Capital Corp. (RITM)

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Smart Verdict

WallStSmart Research — data-driven comparison

Rithm Capital Corp. generates -1834% more annual revenue ($4.69B vs $-270.31M). RITM leads profitability with a 10.6% profit margin vs 0.0%. RITM earns a higher WallStSmart Score of 67/100 (B-).

RC

Buy

54

out of 100

Grade: C-

Growth: 6.7Profit: 4.5Value: 4.0Quality: 3.5
Piotroski: 6/9Altman Z: 0.17

RITM

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 6.5Value: 7.7Quality: 3.5
Piotroski: 2/9Altman Z: 0.40
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for RC.

RITMUndervalued (+84.5%)

Margin of Safety

+84.5%

Fair Value

$68.79

Current Price

$9.45

$59.34 discount

UndervaluedFair: $68.79Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RC3 strengths · Avg: 10.0/10
Price/BookValuation
0.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
350.0%10/10

Strong operational efficiency at 350.0%

EPS GrowthGrowth
305.3%10/10

Earnings expanding 305.3% YoY

RITM4 strengths · Avg: 9.5/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.5%10/10

Strong operational efficiency at 39.5%

Revenue GrowthGrowth
39.4%10/10

Revenue surging 39.4% year-over-year

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Areas to Watch

RC4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.0%4/10

1.0% revenue growth

Market CapQuality
$180.41M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

PEG RatioValuation
2.742/10

Expensive relative to growth rate

RITM2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.402/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : RC

The strongest argument for RC centers on Price/Book, Operating Margin, EPS Growth.

Bull Case : RITM

The strongest argument for RITM centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 39.4% demonstrates continued momentum.

Bear Case : RC

The primary concerns for RC are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 3.74 is elevated, increasing financial risk.

Bear Case : RITM

The primary concerns for RITM are Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

RC profiles as a value stock while RITM is a growth play — different risk/reward profiles.

RC carries more volatility with a beta of 1.60 — expect wider price swings.

RITM is growing revenue faster at 39.4% — sustainability is the question.

RITM generates stronger free cash flow (172M), providing more financial flexibility.

Bottom Line

RITM scores higher overall (67/100 vs 54/100) and 39.4% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Ready Capital Corp

REAL ESTATE · REIT - MORTGAGE · USA

Ready Capital Corporation, is a real estate finance company in the United States. The company is headquartered in New York, New York.

Rithm Capital Corp.

REAL ESTATE · REIT - MORTGAGE · USA

Rhythm Capital Corp. The company is headquartered in New York, New York.

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