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Ready Capital Corp (RC) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Ready Capital Corp $4.15, price $1.46, upside +184.3%, quality 34 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Real Estate · US · ISIN US75574U1016

RC Ready Capital Corp logo Some data Sep 23, 2026

Ready Capital Corp

RC · US

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value $4.15 · Strongly undervalued (+184%)
!Quality 34/100
!Mixed Growth (revenue 5y +13.1 %/yr)
!Loss-making · -45.8% net margin (FY2025)
!High debt · negative free cash flow
·18.49% dividend yield
!Trails peers (4/12)
!Narrow moat 34/100
!Evidence only medium, so the estimate is less certain
!Weak on future: 5 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$9.73 $1.43 Fair Value $4.15 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $1.43 – $9.73 · fair‑value band $2.64 – $5.14 · the $1.46 price screens below the $4.15 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

Ready Capital Corporation operates as a real estate finance company in the United States. The company operates through two segments: LMM Commercial Real Estate and Small Business Lending.

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Ready Capital Corporation operates as a real estate finance company in the United States. The company operates through two segments: LMM Commercial Real Estate and Small Business Lending. Its LMM Commercial Real Estate segment originates LLM loans across the full life-cycle of an LLM property, including construction, bridge, stabilized, and agency loan origination channels. The Small Business Lending segment acquires, originates, and services owner-occupied loans guaranteed by the SBA under its SBA Section 7(a) Program; and originates, and services USDA loans, as well as small business loans. The company originates, acquires, finances, and services lower-to-middle-market (LLM) commercial real estate loans, small business administration (SBA) loans, residential mortgage loans, construction loans, USDA loans, and mortgage-backed securities collateralized primarily by LLM loans, or other real estate-related investments. It has elected to be taxed as a real estate investment trust (REIT) and would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was formerly known as Sutherland Asset Management Corporation and changed its name to Ready Capital Corporation in September 2018. Ready Capital Corporation was founded in 2007 and is headquartered in New York, New York.

Stock analysis

Ready Capital Corp (RC) currently trades at $1.46, while our model-based Fair Value estimate is $4.15, implying the stock looks roughly 64.8% undervalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of $7.59 per share, and 3 of the 3 models we run sit above the $1.46 price.

Bear case: the Asset-Based group reads lowest at $6.30, and 0 of the 3 models stay below the price. Evidence for this calculation is medium.

Scenario range: $2.64 (bear) to $5.14 (bull), the price of $1.46 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 34/100 (below-average quality), in the Real Estate sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Ready Capital Corp reported revenue of $499M in FY2025 versus $383M in FY2021, a compound +6.8%/yr. Reported net income was −$229M in FY2025.

Key figures

Market cap $290M · EPS (TTM) $−3.12 · Net margin −45.8% · Return on equity −28.5% · Return on assets (EBIT) 0.7% · Operating margin 163% · Revenue (TTM) −$238M · Revenue growth (YoY) +1.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (low confidence).

What moves the price

The share trades about 64% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Real Estate peers we cover trades at 54% fair-value upside, at 184%, RC screens cheaper than that median.

Fair Value models

Bear $2.64 Fair Value $4.15 Bull $5.14
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Gordon GGM $4.78 $8.00 $10.39 66
DDM Multi-Stage $4.78 $7.59 $8.61 65
NCAV (Graham) $4.70 $6.30 $9.40 54
All 3 models by family
Dividend Discount
Gordon GGM $4.78 $8.00 $10.39 66
DDM Multi-Stage $4.78 $7.59 $8.61 65
Asset-Based
NCAV (Graham) $4.70 $6.30 $9.40 54

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Quality Score breakdown

Overall quality 34/100

Of which business quality 29 · Market factors (momentum, volatility) 13

Profitability 4
Margins and returns on capital today
Quality Growth 49
Are margins and returns improving?
Cashflow 9
Earnings quality: real cash, not paper profit
Fin. Strength 11
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 13
Calm price path (market factor)
Momentum 21
Price trend over the last 3–12 months (market factor)
52W Momentum 1
Distance to the 52-week high (market factor)
Net Issuance 49
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 34/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.1%
Start year 2020 (pandemic). Over 10 years: +24.0% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.1%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
19.7% (2020) → 24.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.REIT - Mortgage · 39 stocks

Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 34 · Bottom 25%
Fair Value upside +184% · Top 25%
Profitability
Return on assets −6% · Bottom 25%
Net margin (TTM) −46% · Bottom 25%
Operating margin (TTM) 163% · Top 25%
Growth and dividend
Revenue growth 1% · Below median
Dividend yield (TTM) 18.5% · Top 25%
Balance sheet
Debt / equity 2.02× · Above median

Valuation Multiplesvs REIT - Mortgage median · lower = cheaper

P/B 0.19× · Cheapest 25%
EV/EBITDA 14.8× · Pricier than median
PEG 2.74× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 100
FUTURE (revenue growth)5 · sector 9
PAST (return on equity)0 · sector 25
HEALTH (low debt)0 · sector 0
DIVIDEND (yield)100 · sector 100

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more REIT - Mortgage stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Annaly Capital Management, Inc NLY $21.44 $23.37 +9%
AGNC Investment Corp AGNC $10.09 $25.23 +150%
Starwood Property Trust, Inc STWD $15.10 $35.89 +138%
Rithm Capital Corp RITM $9.64 $12.93 +34%
Dynex Capital, Inc DX $12.10 $11.09 −8%
Blackstone Mortgage Trust, Inc BXMT $13.14 $32.85 +150%
ARMOUR Residential REIT, Inc ARR $14.99 $23.05 +54%
Ellington Financial Inc EFC $12.70 $13.45 +6%
Ladder Capital Corp LADR $9.41 $7.57 −20%
Orchid Island Capital, Inc ORC $6.12 $15.30 +150%

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Ready Capital Corp · Fair Value
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Cite: Fair Value Calculator (2026). "Ready Capital Corp Fair Value". https://www.fairvalue-calculator.com/stock/RC

Frequently asked questions

Is Ready Capital Corp (RC) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $4.15 versus a price of $1.46, about +184% upside (undervalued).
What is the fair value of RC?
Our model-based fair value for Ready Capital Corp is $4.15 (as of Sep 23, 2026), built from audited fundamentals. The current price: $1.46.
What is the quality score of RC?
Ready Capital Corp has a Quality Score of 34/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Ready Capital Corp (RC)?
Our model-based price target is the fair value of $4.15 (as of Sep 23, 2026) from 3 valuation models. Cautious scenario $2.64, optimistic scenario $5.14. It is a calculation from audited fundamentals, not an analyst target.
What is the Ready Capital Corp stock forecast for 2026?
Our models put fair value at $4.15, about +184% upside versus a price of $1.46 (undervalued). Cautious scenario $2.64, optimistic scenario $5.14. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Ready Capital Corp (RC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ready Capital Corp it is $4.15 per share (as of Sep 23, 2026), against a price of $1.46. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Ready Capital Corp stock overvalued or undervalued in 2026?
As of Sep 23, 2026, RC trades below its calculated fair value: price $1.46, fair value $4.15, a gap of about +184% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of RC?
No. The price is what the market pays today ($1.46); the fair value is what the company's own numbers justify ($4.15). For Ready Capital Corp the two are $2.69 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ready Capital Corp worth?
The market values Ready Capital Corp at about $290M (market capitalisation, as of Sep 23, 2026). Per share that is $1.46; our models calculate a fair value of $4.15 per share.
What do the bullish and bearish scenarios say about RC?
Our models span a range for Ready Capital Corp: cautious scenario $2.64, base $4.15, optimistic $5.14 per share (as of Sep 23, 2026, price $1.46). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of RC?
The PEG ratio of Ready Capital Corp is 2.74 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Ready Capital Corp (RC)?
Balance-sheet figures for Ready Capital Corp (as of Sep 23, 2026): return on equity −28.5%, debt of 2.02 per unit of equity. They feed the Quality Score of 34/100, which measures business quality independently of the share price.
How far is RC from its 52-week high?
Ready Capital Corp trades at $1.46, about 64% below its 52-week high of $4.07 and 2% above the low of $1.43 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $4.15 is for.
Which stocks are comparable to Ready Capital Corp?
From the same area (Real Estate) we also value Annaly Capital Management, Inc, AGNC Investment Corp, Starwood Property Trust, Inc, Rithm Capital Corp, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Ready Capital Corp stock attractive at the current price?
The data as of Sep 23, 2026: price $1.46, calculated fair value $4.15 (+184%), Quality Score 34/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of RC calculated?
We run Ready Capital Corp through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $4.15, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Ready Capital Corp currently trades 184 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Ready Capital Corp (RC)?
The closing price on Sep 23, 2026 was $1.46. Our model-based fair value is $4.15, about +184% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ready Capital Corp right now?
The large discount to fair value meets weak quality (34/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($2.64). The market is more pessimistic than our downside scenario. A fairly wide model range ($2.64 to $5.14) leaves room in how you read the outcome. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.

Key figures of Ready Capital Corp

How large is the market capitalisation of Ready Capital Corp (RC)?
The market capitalisation of Ready Capital Corp is $290M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of Ready Capital Corp (RC)?
Earnings per share at Ready Capital Corp are $−3.12. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Ready Capital Corp (RC)?
The net margin of Ready Capital Corp is −45.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Ready Capital Corp (RC)?
The return on equity (ROE) of Ready Capital Corp is −28.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Ready Capital Corp (RC)?
On an EBIT basis the return on assets of Ready Capital Corp is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Ready Capital Corp (RC)?
The operating margin of Ready Capital Corp is 163% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much revenue does Ready Capital Corp (RC) generate?
Ready Capital Corp generates revenue of −$238M (last twelve months). Revenue of the last twelve months (TTM), the most recent full year, not the calendar year.
How fast is revenue growing at Ready Capital Corp (RC)?
Revenue at Ready Capital Corp is growing +1.0% versus a year earlier (3y avg +9.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Ready Capital Corp (RC)?
Earnings per share at Ready Capital Corp are growing +305% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Ready Capital Corp (RC) generate?
The free cash flow of Ready Capital Corp is −$203M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Ready Capital Corp (RC) carry?
The net debt of Ready Capital Corp is $5.6B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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