Ready Capital Corp (RC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Ready Capital Corp stock (RC) is currently trading at $1.58. Ready Capital Corp PS ratio (Price-to-Sales) is 5.91. Analyst consensus price target for RC is $1.93. WallStSmart rates RC as Underperform.
- RC PE ratio analysis and historical PE chart
- RC PS ratio (Price-to-Sales) history and trend
- RC intrinsic value — DCF, Graham Number, EPV models
- RC stock price prediction 2025 2026 2027 2028 2029 2030
- RC fair value vs current price
- RC insider transactions and insider buying
- Is RC undervalued or overvalued?
- Ready Capital Corp financial analysis — revenue, earnings, cash flow
- RC Piotroski F-Score and Altman Z-Score
- RC analyst price target and Smart Rating
Ready Capital Corp
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Smart Analysis
Ready Capital Corp (RC) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
Ready Capital Corp (RC) Key Strengths (4)
Keeps $160 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 305.30% year-over-year
62.58% held by institutions, strong professional interest
Supporting Valuation Data
Ready Capital Corp (RC) Areas to Watch (4)
Company is destroying shareholder value
Revenue growing slowly at 1.00% annually
Micro-cap company with very limited liquidity and high volatility
Premium valuation at 5.9x annual revenue
Supporting Valuation Data
Ready Capital Corp (RC) Detailed Analysis Report
Overall Assessment
This company scores 48/100 in our Smart Analysis, earning a D+ grade. Out of 8 metrics analyzed, 4 register as strengths (avg 9.5/10) while 4 fall into concern territory (avg 2.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.18) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 160.30%. Growth metrics are encouraging with EPS Growth at 305.30%.
The Bear Case
The primary concerns are Return on Equity, Revenue Growth, Market Cap. Some valuation metrics including Price/Sales (5.91) suggest expensive pricing. Growth concerns include Revenue Growth at 1.00%, which may limit upside. Profitability pressure is visible in Return on Equity at -12.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -12.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 1.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Revenue Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
RC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
RC's Price-to-Sales ratio of 5.91x trades at a deep discount to its historical average of 35.82x (20th percentile). The current valuation is 97% below its historical high of 193.31x set in Aug 2014, and 107% above its historical low of 2.86x in Oct 2024. Over the past 12 months, the PS ratio has compressed from ~29.5x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Ready Capital Corp (RC) · REAL ESTATE › REIT - MORTGAGE
The Big Picture
Ready Capital Corp is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached -58M with 100% growth year-over-year. The company is currently unprofitable, posting a 0.0% profit margin.
Key Findings
Revenue growing at 100% YoY, reaching -58M. This pace significantly outperforms most REIT - MORTGAGE peers.
Free cash flow is -90M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
Debt-to-equity ratio of 2.13 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Growth sustainability: can Ready Capital Corp maintain 100%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 25.5%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 3.8B is significantly higher than cash (148M). Monitor refinancing risk.
Sector dynamics: monitor REIT - MORTGAGE industry trends, competitive moves, and regulatory changes that could impact Ready Capital Corp.
Bottom Line
Ready Capital Corp is a high-conviction growth story with revenue accelerating at 100% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin 0.0% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Ready Capital Corp(RC)
NYSE
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.