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RC

Ready CapitalC
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
The completed redemption reduces the 2026 maturity overhang, while Q2 cash generation and SBA funding capacity provide a path toward renewed lending. The modestly positive deterministic prior supports watching for stabilization, not assuming it has occurred [#8-K-2026-09-28] [#SEC-8K-2026-08-06].
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Further CRE credit losses, weak asset-sale prices or additional book-value erosion.
Momentum
94
Value
40
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $1.15 · Bull $1.65 · Bear $0.65Analysis 2026-10-02; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-02 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $1.25
Why
Momentum94 · Δ7d -
Value40 · Δ7d 0.0
Sentiment54 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Further CRE credit losses, weak asset-sale prices or additional book-value erosion.
  • • Higher interest expense from the 10.00% new notes despite the reduction in secured debt principal [#8-K-2026-09-28].
  • • Q2 losses, continuing book-value pressure and the 10.00% cost of new secured debt could absorb the benefit of refinancing.

Catalyst clock

2026-10-30

Market reassessment of completed 2026 debt refinancing

Lead driver: Sentiment · See AI snapshot
Momentum
94
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
40
47% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-8.1
Sentiment
54
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 93.7 / Value 40.0 / Sentiment 53.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-02. Scenario method

B+
Bull case
25%
Probability
Target price
$1.65
Analysis reference price unavailable
Analysis 2026-10-02 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$1.15
Analysis reference price unavailable
Analysis 2026-10-02 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$0.65
Analysis reference price unavailable
Analysis 2026-10-02 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$193.27M
Beta
1.50
Shares Out
165.19M
P/E (TTM) · Derived
-0.8
P/S (TTM)
0.44
P/FCF (TTM)
0.95
Rev YoY
-60.3%
EPS YoY
+79.7%
Gross Margin
+48.7%
Op Margin
-25.1%
Net Debt
$5.63B
Current Ratio
1.45
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data