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About the company
Ready Capital Corporation is a multi-strategy real estate finance company that originates, acquires, finances and services small- to medium-sized balance commercial loans. Its segments include LMM Commercial Real Estate and Small Business Lending. The LMM Commercial Real Estate segment originates lower-to-middle-market commercial real estate (LMM) loans across the full life cycle of an LMM property including construction, bridge, stabilized and agency loan origination channels through its wholly owned subsidiary, ReadyCap Commercial, LLC. These originated loans are generally held-for-investment or placed into securitization structures. As part of this segment, it originates and services multi-family loan products under the Freddie Mac SBL program. The Small Business Lending segment acquires, originates and services owner-occupied loans guaranteed by the Small Business Administration (SBA) under its SBA Section 7(a) Program through its wholly owned subsidiary, ReadyCap Lending, LLC.
- Revenue in USD (TTM)1.05bn
- Net income in USD325.00m
- Incorporated2011
- Employees374.00
- LocationReady Capital Corp1251 AVENUE OF THE AMERICAS, 50TH FLOORNEW YORK 10020United StatesUSA
- Phone+1 (212) 257-4600
- Websitehttps://readycapital.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| World Acceptance Corp. | 575.18m | 67.93m | 828.86m | 3.08k | 12.17 | 2.03 | 10.52 | 1.44 | 11.20 | 11.20 | 95.64 | 67.02 | 0.4923 | -- | -- | 187,049.30 | 5.81 | 5.25 | 6.55 | 5.97 | 91.33 | 94.63 | 11.81 | 9.26 | -- | -- | 0.5897 | 0.00 | 5.87 | 4.17 | -60.62 | -19.92 | -12.18 | -- |
| Federal Home Loan Mortgage Corp | 110.10bn | -87.00m | 848.33m | 8.00k | -- | -- | -- | 0.0077 | -0.1646 | -0.1646 | 84.95 | 77.63 | 0.0338 | -- | -- | 13,755,370.00 | 0.3473 | 0.3389 | 0.3509 | 0.3496 | 101.49 | -- | 10.27 | 11.65 | -- | 1.15 | 0.9845 | 0.00 | 22.32 | 10.36 | -148.54 | -- | -- | -- |
| Guild Holdings Co | 852.88m | -39.01m | 882.32m | 4.20k | -- | 0.746 | -- | 1.03 | -0.6603 | -0.6603 | 13.89 | 19.36 | 0.2466 | -- | 11.87 | 203,066.20 | -1.13 | 5.30 | -1.18 | 5.56 | -- | -- | -4.59 | 14.41 | -- | 0.3049 | 0.6265 | 15.96 | -14.41 | 1.70 | -111.87 | -- | -3.79 | -- |
| Global Blue Group Holding Ltd | 435.38m | 23.03m | 990.75m | 1.78k | 41.90 | 14.37 | 13.34 | 2.28 | 0.1189 | 0.1189 | 2.27 | 0.3465 | 0.3585 | -- | 1.79 | 244,184.50 | 2.44 | -- | 3.65 | -- | -- | -- | 6.80 | -- | -- | 2.24 | 0.8915 | -- | 147.32 | -- | 73.63 | -- | -- | -- |
| Ellington Financial Inc | 384.52m | 48.90m | 1.01bn | 400.00 | 18.75 | 0.8542 | 33.41 | 2.62 | 0.631 | 0.631 | 5.26 | 18.03 | 0.0263 | -- | 18.58 | 961,295.00 | 0.5421 | 0.5657 | 0.6614 | 0.8477 | 22.60 | 39.98 | 20.61 | 17.86 | -- | -0.1798 | 0.8944 | 244.22 | 31.17 | 22.35 | 171.36 | 5.46 | -- | 1.88 |
| LendingClub Corp | 799.61m | 37.52m | 1.03bn | 1.03k | 26.94 | 0.81 | 12.05 | 1.28 | 0.3426 | 0.3426 | 7.31 | 11.40 | 0.0889 | -- | -- | 780,110.30 | 0.417 | 0.5363 | 2.67 | 1.40 | -- | -- | 4.69 | 2.98 | -- | -- | 0.8601 | 0.00 | -27.17 | -4.36 | -86.56 | -- | 2.35 | -- |
| Repay Holdings Corp | 296.63m | -110.49m | 1.08bn | 512.00 | -- | 1.18 | -- | 3.63 | -1.22 | -1.22 | 3.29 | 8.98 | 0.1885 | -- | 8.53 | 579,349.60 | -7.46 | -5.78 | -7.94 | -6.48 | 76.50 | 75.60 | -39.59 | -33.43 | -- | 2.39 | 0.3432 | -- | 6.23 | -- | -960.78 | -- | -- | -- |
| Foreign Trade Bank of Latin America Inc | 729.45m | 180.47m | 1.13bn | 268.00 | 6.24 | -- | 6.16 | 4.05 | 4.94 | 4.94 | 7.65 | -- | -- | -- | -- | -- | -- | 1.18 | -- | -- | -- | -- | 64.56 | 61.69 | -- | -- | -- | 46.25 | 104.21 | 21.32 | 80.53 | 71.69 | 25.96 | -8.27 |
| Ready Capital Corp | 1.05bn | 325.00m | 1.46bn | 374.00 | 3.65 | 0.6143 | 4.24 | 1.39 | 2.37 | 2.36 | 6.88 | 14.79 | 0.0872 | -- | 21.09 | 2,804,655.00 | 2.92 | 1.91 | 3.01 | 1.96 | 23.95 | 34.04 | 33.49 | 24.63 | -- | -- | 0.777 | 98.17 | 46.92 | 34.88 | 144.19 | 40.92 | 45.19 | -0.0476 |
| Zuora Inc | 431.66m | -68.19m | 1.53bn | 1.62k | -- | 11.48 | -- | 3.55 | -0.4878 | -0.4878 | 3.08 | 0.9155 | 0.5785 | -- | 3.94 | 266,786.80 | -9.14 | -20.82 | -15.13 | -36.77 | 65.95 | 59.84 | -15.80 | -29.74 | -- | -- | 0.729 | -- | 8.98 | 12.93 | 65.55 | -- | -5.73 | -- |
| Federal National Mortgage Association | 142.48bn | -1.00m | 1.60bn | 8.10k | -- | -- | -- | 0.0112 | -0.0002 | -0.0002 | 24.26 | 47.86 | 0.033 | -- | -- | 17,589,880.00 | 0.4156 | 0.3944 | 0.4166 | 0.3954 | 18.15 | 20.57 | 12.60 | 13.35 | -- | -- | 0.9809 | -- | 15.58 | 3.45 | 0.00 | -75.42 | -- | -- |
| Enova International Inc | 1.29bn | 172.63m | 1.70bn | 1.68k | 11.31 | 1.49 | 8.10 | 1.32 | 5.56 | 5.56 | 41.45 | 42.06 | 0.3041 | -- | 0.3727 | 770,088.40 | 4.07 | 8.69 | 4.31 | 9.24 | -- | -- | 13.38 | 21.91 | -- | 2.12 | 0.7256 | 0.00 | 10.05 | 4.81 | -15.57 | 26.86 | 22.99 | -- |
| Navient Corp | 1.11bn | 190.00m | 1.73bn | 4.50k | 9.77 | 0.6248 | -- | 1.56 | 1.58 | 1.58 | 9.30 | 24.70 | 0.0176 | -- | 13.10 | 246,000.00 | 0.3017 | 0.624 | 0.3283 | 0.6827 | 105.78 | 109.67 | 17.16 | 32.92 | -- | -- | 0.9523 | 21.01 | -18.81 | -6.66 | -64.65 | -7.46 | -- | 0.00 |
| Upbound Group Inc | 4.07bn | -24.82m | 1.78bn | 12.97k | -- | 3.08 | 15.89 | 0.4381 | -0.4613 | -0.4613 | 73.40 | 10.59 | 1.52 | 1.80 | 38.75 | 313,979.90 | -0.9248 | 4.70 | -1.27 | 6.72 | 50.22 | 52.73 | -0.6095 | 2.86 | -- | 2.63 | 0.6903 | 63.40 | -5.96 | 8.46 | -141.91 | -- | 13.81 | -- |
| Federal Agricultural Mortgage Corp | 1.47bn | 179.55m | 1.87bn | 185.00 | 10.87 | 1.95 | -- | 1.27 | 16.40 | 16.40 | 134.55 | 136.20 | 0.0511 | -- | 5.49 | 7,963,962.00 | 0.7164 | 0.602 | 1.04 | 0.9443 | 23.86 | 34.22 | 14.03 | 19.97 | -- | -- | 0.9495 | 30.59 | 94.22 | 20.66 | 14.48 | 12.74 | -- | 13.66 |
| Bread Financial Holdings Inc | 4.77bn | 416.00m | 2.00bn | 7.00k | 4.83 | 0.6586 | 3.83 | 0.4185 | 8.33 | 7.93 | 95.64 | 61.13 | 0.2155 | -- | 0.3003 | 681,428.60 | 1.88 | 1.98 | 4.67 | 4.41 | 91.72 | 90.67 | 8.72 | 11.43 | -- | 1.57 | 0.8557 | 13.04 | 11.11 | -3.22 | 229.02 | -4.25 | -24.82 | -18.10 |
Data as of May 11 2024. Currency figures normalised to Ready Capital Corp's reporting currency: US Dollar USD
36.89%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2023 | 25.78m | 14.94% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 10.91m | 6.32% |
| Waterfall Asset Management LLCas of 15 Apr 2024 | 7.33m | 4.25% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 6.06m | 3.51% |
| Geode Capital Management LLCas of 31 Dec 2023 | 3.46m | 2.01% |
| Fuh Hwa Securities Investment Trust Co., Ltd.as of 02 Apr 2024 | 2.88m | 1.67% |
| Invesco Capital Management LLCas of 31 Dec 2023 | 2.50m | 1.45% |
| Northern Trust Investments, Inc.(Investment Management)as of 31 Dec 2023 | 2.06m | 1.20% |
| Ramsey Quantitative Systems, Inc.as of 31 Dec 2023 | 1.34m | 0.78% |
| Balyasny Asset Management LPas of 31 Dec 2023 | 1.32m | 0.77% |
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Data from 31 Dec 2023 - 02 May 2024Source: FactSet Research Systems Inc.
