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Ready CapitalRC -5.49%31 Debt-to-Equity is 2.02 as of Mar. 2026, which is 32% below its 10-year median of 2.95. GuruFocus rates RC with a GF Score™ of 31/100 and a GF Value™ of $0.65 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 690 REITs companies, Ready Capital ranks worse than 89.86% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Ready Capital's Debt-to-Equity or its related term are showing as below:
RC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.2 Med: 2.95 Max: 5.67
Current: 2.02
During the past 13 years, the highest Debt-to-Equity Ratio of Ready Capital was 5.67. The lowest was 1.20. And the median was 2.95.
RC's Debt-to-Equity is ranked worse than 89.86% of 690
companies
in the REITs industry
Industry Median: 0.78
vs RC: 2.02
Ready Capital (NYSE:RC) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Ready Capital Debt-to-Equity Related Terms
Ready Capital Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Ready Capital's Debt-to-Equity 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.
For the REIT - Mortgage subindustry, Ready Capital's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs REITs Industry
For the REITs industry and Real Estate sector, Ready Capital's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Ready Capital's Debt-to-Equity 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 Debt-to-Equity of 2.02 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Ready Capital and its competitors. This is 32% below median its historical median of 2.95. Over the past decade, Ready Capital's Debt-to-Equity has ranged from 1.20 to 5.67. According to the industry distribution chart, Ready Capital ranks #620 out of 690 companies in the REITs industry, placing it in the top 89.9%.
Is Ready Capital's Debt-to-Equity too high?
Ready Capital's current Debt-to-Equity of 2.02 is 32% below median its 10-year median of 2.95. Over the past 10 years, this metric has ranged from a low of 1.20 to a high of 5.67. The REITs industry median Debt-to-Equity is 0.78. Ready Capital's value of 2.02 is 159% above this industry median. Based on the distribution chart, Ready Capital ranks #620 out of 690 companies in the REITs industry, which is in the bottom quartile relative to peers. Overall, Ready Capital has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ready Capital's Debt-to-Equity compare to NREF and MITT?
According to the REITs industry distribution chart, Ready Capital ranks #620 out of 690 companies for Debt-to-Equity. This places Ready Capital in the lower half of its industry. The industry median Debt-to-Equity is 0.78. Ready Capital's value of 2.02 is 159% above this benchmark. Historically, Ready Capital's own Debt-to-Equity has ranged from 1.20 to 5.67 over the past decade. While the company's 10-year median is 2.95 vs. the industry median of 0.78, Ready Capital has consistently been above 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 Debt-to-Equity for a REITs company?
The median Debt-to-Equity among REITs companies is 0.78, based on 690 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ready Capital's current Debt-to-Equity of 2.02 is 159% above 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Ready Capital and its competitors. For the REITs industry, the median Debt-to-Equity is 0.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ready Capital's current Debt-to-Equity is 2.02, which is 32% below median its own 10-year median of 2.95. 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?
Based on GuruFocus' analysis, Ready Capital (RC) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.65, compared to a current price of $1.55 — trading 138.5% above its estimated fair value. The current Debt-to-Equity is 2.02, which is 32% below median its 10-year median of 2.95 and 159% above the REITs industry median of 0.78. Ready Capital's overall GF Score™ is 31/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Ready Capital (RC), the current Debt-to-Equity is 2.02 as of Mar. 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.
Is Ready Capital (RC) Overvalued in 2026?
Based on GuruFocus' analysis, Ready Capital stock appears to be overvalued.
The current stock price of $1.55 is trading 138.5% above its estimated GF Value™ of $0.65.
GuruFocus considers Ready Capital to be Significantly Overvalued.
Key valuation signals for RC:
Debt-to-Equity: 2.02 (32% below median its 10-year median of 2.95)
GF Value™: $0.65 vs. price of $1.55 (138.5% above fair value)
Industry Position: 159% above the REITs median (#620 of 690)
No single metric tells the full story. See the RC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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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