RC
SinkerReady Capital Corporation · Real Estate · United States · $174M cap · $2.2M/day traded
$0.9301 -7.9% · close 11 Nov · scored 11 Nov
Sinker: Weak business, rich price and weak momentum. Nothing here to keep it afloat.
As of 11 Nov 2026, the MoatMap Score for Ready Capital Corporation (RC) is 5/100, ranked against 25,000+ stocks in 38 markets (Quality 18, Value 38, Momentum 15, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT READY CAPITAL CORPORATION
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Ready Capital Corporation is a multi-strategy real estate finance company that originates, acquires, finances, and services small-to-medium balance commercial loans. The company's competitive moat is sustained by its leading market position as a non-bank lender in the Small Balance Commercial (SBC) and SBA 7(a) loan segments. It operates as a specialty finance REIT, generating attractive risk-adjusted returns through a highly diversified, yield-producing loan portfolio and robust servicing platform.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 383.3M | 397.8M | 49.3M | -23.7M | -64.1% | -23.7M | 324.2M | 315.2M | 85.6% |
| EPS | 1.73 | 2.25 | -2.63 | -1.44 | 30.1% | -3.73 | -2.22 | -0.80 | — |
| Shares | 110.5M | 172.3M | 162.8M | 163.0M | +47.5% | 165.2M | — | — | — |
| Debt | 6.7B | 7.2B | 6.0B | 3.5B | -19.2% | 4.3B | — | — | — |
| Equity | 1.8B | 2.5B | 1.8B | 1.5B | -4.8% | — | — | — | — |
| Op CF | 359.1M | 51.1M | 274.8M | 432.1M | 6.4% | 432.1M | — | — | — |
| Inv CF | -1.6B | 1.0B | 1.5B | 1.6B | — | — | — | — | — |
| Fin CF | 1.2B | -1.1B | -1.9B | -2.0B | — | — | — | — | — |
Made a new 52-week low 1 trading day ago, 65% below its 52-week high. The fall has not stopped yet.
Swung more than 84% of stocks we rank over the past year (volatility 72% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Real Estate, ranked by industry match, size, and score similarity. Cross-listings of RC are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| RC | Ready Capital Corporation(you) | $174M | 5 |
| CMTG | Claros Mortgage Trust, Inc. | $171M | 4 |
| MITT | TPG Mortgage Investment Trust, Inc. | $173M | 15 |
| AOMR | Angel Oak Mortgage REIT, Inc. | $184M | 16 |
| ACR | ACRES Commercial Realty Corp. | $183M | 19 |
| ACRE | Ares Commercial Real Estate Corporation | $186M | 21 |
| RWT | Redwood Trust, Inc. | $399M | 7 |
| KREF | KKR Real Estate Finance Trust Inc. | $337M | 15 |
| ABR | Arbor Realty Trust, Inc. | $592M | 8 |
| RPT | Rithm Property Trust Inc. | $88M | 20 |
Peer medians: ROE 4.3% · P/E 23.9x · Gross margin 65.4%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.