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Ready CapitalRC +3.92%31 Cash-to-Debt is 0.04 as of Jun. 2026, which is at its 10-year median of 0.04. GuruFocus rates RC with a GF Score™ of 31/100. The stock has 1 warning sign investors should review. Among 858 REITs companies, Ready Capital ranks worse than 67.37% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Ready Capital's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.04.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Ready Capitalcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Ready Capital's Cash-to-Debt or its related term are showing as below:
RC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.04 Max: 0.93
Current: 0.04
During the past 13 years, Ready Capital's highest Cash to Debt Ratio was 0.93. The lowest was 0.02. And the median was 0.04.
RC's Cash-to-Debt is ranked worse than 67.37% of 858
companies
in the REITs industry
Industry Median: 0.09
vs RC: 0.04
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Ready Capital Cash-to-Debt Related Terms
Ready Capital Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Ready Capital's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the REIT - Mortgage subindustry, Ready Capital's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ready Capital Cash-to-Debt vs REITs Industry
For the REITs industry and Real Estate sector, Ready Capital's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Ready Capital's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ready Capital (RC) has a Cash-to-Debt of 0.04 as of Jun. 2026. This is near median its historical median of 0.04. Over the past decade, Ready Capital's Cash-to-Debt has ranged from 0.02 to 0.93. According to the industry distribution chart, Ready Capital ranks #578 out of 858 companies in the REITs industry, placing it in the top 67.4%.
Is Ready Capital's Cash-to-Debt too high?
Ready Capital's current Cash-to-Debt of 0.04 is near median its 10-year median of 0.04. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.93. The REITs industry median Cash-to-Debt is 0.09. Ready Capital's value of 0.04 is 55.6% below this industry median. Based on the distribution chart, Ready Capital ranks #578 out of 858 companies in the REITs industry, which is below the industry midpoint. Overall, Ready Capital has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Ready Capital's Cash-to-Debt compare to NREF and REFI?
According to the REITs industry distribution chart, Ready Capital ranks #578 out of 858 companies for Cash-to-Debt. This places Ready Capital in the lower half of its industry. The industry median Cash-to-Debt is 0.09. Ready Capital's value of 0.04 is 55.6% below this benchmark. Historically, Ready Capital's own Cash-to-Debt has ranged from 0.02 to 0.93 over the past decade. While the company's 10-year median is 0.04 vs. the industry median of 0.09, Ready Capital has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a REITs company?
The median Cash-to-Debt among REITs companies is 0.09, based on 858 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ready Capital's current Cash-to-Debt of 0.04 is 55.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the REITs industry, the median Cash-to-Debt is 0.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ready Capital's current Cash-to-Debt is 0.04, which is near median its own 10-year median of 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ready Capital stock overvalued right now?
Ready Capital (RC) has a current Cash-to-Debt of 0.04. The current Cash-to-Debt is 0.04, which is near median its 10-year median of 0.04 and 55.6% below the REITs industry median of 0.09. Ready Capital's overall GF Score™ is 31/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Ready Capital (RC), the current Cash-to-Debt is 0.04 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Ready Capital Corp is a real estate finance company that originates, acquires, finances, and services LMM loans, SBA loans, construction loans, USDA loans and, to a lesser extent, MBS collateralized mainly by LMM loans or other real estate-related investments. Its loans are used by businesses to purchase real estate used in their operations or by investors seeking to acquire multi-family, office, retail, mixed use or warehouse properties. It operates through two segments: LMM Commercial Real Estate, which originates LMM loans across the life-cycle of an LMM property including construction, bridge, stabilized and agency loan channels, and Small Business Lending, which acquires, originates and services owner-occupied loans guaranteed by the SBA and also originates and services USDA loans.
31GF Score
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