Ready Capital (NYSE:RC) Announces Earnings Results, Beats Estimates By $0.02 EPS

Ready Capital (NYSE:RC) announced its quarterly earnings data on Thursday. The real estate investment trust reported ($0.09) earnings per share (EPS) for the quarter, beating the consensus estimate of ($0.11) by $0.02, FiscalAI reports. Ready Capital had a negative net margin of 39.55% and a negative return on equity of 9.87%. The company had revenue of $207.55 million for the quarter, compared to analysts’ expectations of $133.50 million.

Ready Capital Stock Up 13.2%

NYSE:RC opened at $1.85 on Friday. The company has a current ratio of 1.56, a quick ratio of 1.56 and a debt-to-equity ratio of 0.79. The stock has a 50 day moving average of $2.05 and a 200-day moving average of $2.90. The firm has a market capitalization of $299.13 million, a PE ratio of -1.26 and a beta of 1.45. Ready Capital has a 52 week low of $1.55 and a 52 week high of $6.96.

Ready Capital Cuts Dividend

The firm also recently announced a quarterly dividend, which was paid on Friday, January 30th. Shareholders of record on Wednesday, December 31st were issued a $0.01 dividend. The ex-dividend date of this dividend was Wednesday, December 31st. This represents a $0.04 dividend on an annualized basis and a yield of 2.2%. Ready Capital’s dividend payout ratio (DPR) is currently -2.09%.

Ready Capital News Roundup

Here are the key news stories impacting Ready Capital this week:

• Positive Sentiment: Q4 results: distributable loss before realized losses was modest at $(0.09) and the company beat consensus on EPS (reported $(0.09) vs. est. $(0.11)) while reporting revenues well above expectations ($207.6M vs. est. $133.5M), which likely underpins the rally. Ready Capital Corporation Reports Fourth Quarter 2025 Results
• Positive Sentiment: Leadership changes: the company appointed Dominick Scali as Chief Credit Officer and elevated David Cohen to Co‑President of ReadyCap Commercial — management presented these moves as steps to strengthen credit oversight and commercial lending execution amid CRE market stress. Ready Capital Corporation Announces Leadership Changes
• Neutral Sentiment: Management commentary and conference call transcript are available; listen/read for details on portfolio credit trends, realized losses and capital/financing plans that will drive near-term earnings and liquidity. Ready Capital (RC) Q4 2025 Earnings Transcript
• Negative Sentiment: Large GAAP and distributable losses remain: GAAP loss from continuing operations was $(1.46) per share and distributable loss per common share was $(0.43), highlighting material realized/mark-to-market hits that keep fundamentals under pressure. Ready Capital Corporation Reports Fourth Quarter 2025 Results
• Negative Sentiment: Street skepticism: analysts maintain a weak stance (consensus “Reduce”) and several large institutional holders cut positions in recent quarters, which can limit upside and amplify volatility. Ready Capital Corp (NYSE:RC) Receives Consensus Recommendation of “Reduce” from Analysts

Analysts Set New Price Targets

Several research analysts recently issued reports on the stock. Weiss Ratings reissued a “sell (d)” rating on shares of Ready Capital in a report on Thursday, January 22nd. Piper Sandler lowered their price target on Ready Capital from $3.50 to $2.50 and set a “neutral” rating for the company in a report on Monday, December 22nd. Keefe, Bruyette & Woods cut their target price on Ready Capital from $3.50 to $2.50 and set an “underperform” rating on the stock in a research report on Wednesday, November 12th. Finally, UBS Group dropped their price target on shares of Ready Capital from $3.50 to $2.75 and set a “neutral” rating for the company in a research note on Friday, November 14th. Six equities research analysts have rated the stock with a Hold rating and two have given a Sell rating to the stock. Based on data from MarketBeat, the company currently has an average rating of “Reduce” and an average price target of $3.55.

Institutional Trading of Ready Capital

Several hedge funds and other institutional investors have recently modified their holdings of RC. Quarry LP raised its position in Ready Capital by 4,494.6% during the third quarter. Quarry LP now owns 9,373 shares of the real estate investment trust’s stock valued at $36,000 after acquiring an additional 9,169 shares in the last quarter. Ausdal Financial Partners Inc. acquired a new stake in Ready Capital in the 3rd quarter valued at about $39,000. Franklin Resources Inc. acquired a new position in Ready Capital in the third quarter valued at about $44,000. M&T Bank Corp bought a new position in shares of Ready Capital during the second quarter worth $50,000. Finally, United Services Automobile Association bought a new position in Ready Capital during the 1st quarter worth about $59,000. Institutional investors and hedge funds own 55.87% of the company’s stock.

Ready Capital Company Profile

Ready Capital Corporation is a specialty finance real estate investment trust (REIT) that originates, acquires and manages commercial real estate loans and related assets. The company offers financing solutions across a variety of property types, including multifamily, office, retail, industrial, hospitality and mixed-use assets. Ready Capital focuses on delivering flexible loan structures to meet the diverse needs of borrowers in the small balance and middle-market sectors.

Through its small balance commercial real estate lending platform, Ready Capital provides loans typically ranging from $1 million to $15 million for acquisitions, refinancings, renovations and bridge financing.