Ready Capital Corp. (RC)
NYSEReal EstateReit - MortgageSnapshot 2026-09-04
$1.75-0.57%
Close 2026-09-04 · 1-day change
NYSEReal EstateReit - MortgageSnapshot 2026-09-04
QuarterlyIQ Insights · RC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -59.3% |
| Our one-year growth estimate | diamond | -49.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 9.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Elevated risk of a next-quarter earnings miss: this name has been missing across recent quarters and operates in a high-miss-rate industry. A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 33 industry peers · Company calendar date is not available
RC — earnings miss
Dated 2026-08-06
Results of Operations and Financial Condition On August 6, 2026, Ready Capital Corporation (the “Company”) issued an earnings release announcing the financial results for the quarter ended June 30, 2026. A copy of the earnings release is attached as Exhibit 99.1 hereto and incorporated herein by reference. On August 6, 2026, the Company posted supplemental financial information on the Investor Relations section of its website (www.readycapital.com). A copy of the supplemental financial inform…
Why it matters: More delinquencies might mean bigger problems with loan performance.
Worry ifCore delinquencies remain stable or decrease from 14.8% of the core CRE portfolio.
Less concerning ifCore delinquencies rise above 14.8%. This shows loan performance is getting worse.
Why it matters: If revenue growth in the real estate sector speeds up, it could benefit Ready Capital. This would indicate a healthier market environment.
Supportive ifSector revenue growth speeds up above 5% each year.
Worry ifSector revenue growth slows down below 5% each year.
Why it matters: A stable book value shows progress in the balance sheet. It also shows financial health.
Supportive ifBook value per share remains above $6.83 in Q3.
Worry ifBook value per share drops below $6.83.
Why it matters: Meeting or beating earnings expectations can boost market feelings. It can also help stock performance.
Watch forThe Q2 earnings report shows results better than what analysts expected.
Also watch forThe Q2 earnings report shows results worse than what analysts expected.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$214 on $10,000 · ±2.1% | How much price usually moves either way. |
| Bad day | $607 loss on $10,000 · 6.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $6,593 loss on $10,000 · 65.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: If sector growth speeds up, it could help Ready Capital. This is key for future performance.
Supportive if3-year revenue growth in the real estate sector rises above 4%.
Worry if3-year revenue growth remains below 4%.
Why it matters: Keeping dividends shows commitment to stockholders. This is important even during tough times.
Supportive ifDividends per share stay at $0.01 in Q3.
Worry ifDividends per share are cut below $0.01.
Why it matters: This sale is the last step in the balance sheet plan. It could stabilize finances.
Supportive ifThe company says it has finished selling the loans successfully.
Worry ifThe loan sale process is delayed or fails to close as planned.
Why it matters: Loan originations are key to restarting growth. A rebound signals stronger business health.
Supportive ifQ3 loan originations are over $278.8 million. This is more than Q2.
Worry ifQ3 loan originations are less than $278.8 million.
Why it matters: Higher net income means the company is improving its finances.
Supportive ifNet income reported as positive or less negative than -$200.1 million in Q2 2026.
Worry ifNet income remains negative and worse than -$200.1 million in Q2 2026.
Why it matters: Better net income shows that management's strategies work. This means the company is healthy.
Supportive ifNet income improves from the -$99.7 million reported in Q2.
Worry ifNet income worsens or remains negative in Q3.
Why it matters: An increase in book value shows progress in financial stability and balance sheet changes.
Supportive ifBook value per share goes above $7.00. This shows good debt management and asset sales.
Worry ifBook value per share drops below $6.50, suggesting ongoing financial distress.
Why it matters: Closing these sales is key to reducing book value pressure and improving financial health.
Supportive ifThe company will close its remaining large asset sales by June 30, 2026.
Worry ifNo announcement of asset sales closing by the end of June 2026.
Why it matters: Strong cash flow indicates better financial health and supports growth plans.
Supportive ifCash from operations stays above $590 million in the next quarter.
Worry ifCash from operations falls below $590 million. This shows possible cash flow problems.