Ready Capital (FRA:0SZ) LT-Debt-to-Total-Asset: 0.37 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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FRA:0SZ Ready Capital Corp FRA:0SZ
34 GF Score
Price €1.39
GF Value €0.55
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Ready Capital LT-Debt-to-Total-Asset?

Ready Capital FRA:0SZ -2.60% 34 LT-Debt-to-Total-Asset is 0.37 as of Mar. 2026. GuruFocus rates FRA:0SZ with a GF Score™ of 34/100 and a GF Value™ of €0.55 (Significantly Overvalued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Ready Capital's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.37.

Ready Capital's long-term debt to total assets ratio declined from Mar. 2025 (0.49) to Mar. 2026 (0.37). It may suggest that Ready Capital is progressively becoming less dependent on debt to grow their business.

Ready Capital  (FRA:0SZ) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Ready Capital LT-Debt-to-Total-Asset Related Terms

Ready Capital LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Ready Capital's LT-Debt-to-Total-Asset 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.

Ready Capital LT-Debt-to-Total-Asset Chart

Ready Capital Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.47 0.55 0.57 0.56 0.40

Ready Capital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.49 0.39 0.40 0.40 0.37
FRA:0SZ
34GF Score
Ready Capital Corp FRA:0SZ
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Ready Capital LT-Debt-to-Total-Asset Calculation

Ready Capital's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=2680.939/6635.406
=0.40

Ready Capital's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=2036.047/5461.859
=0.37

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.37 mean?
Ready Capital (FRA:0SZ) has a LT-Debt-to-Total-Asset of 0.37 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Ready Capital and its competitors.
Is Ready Capital's LT-Debt-to-Total-Asset too high?
Ready Capital's current LT-Debt-to-Total-Asset is 0.37. Overall, Ready Capital has a GF Score™ of 34/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ready Capital's LT-Debt-to-Total-Asset compare to NREF and MITT?
Ready Capital's LT-Debt-to-Total-Asset of 0.37 can be compared against companies in the REITs industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a REITs company?
A good LT-Debt-to-Total-Asset depends on the REITs industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Ready Capital and its competitors. Ready Capital's current LT-Debt-to-Total-Asset is 0.37. 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 (FRA:0SZ) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.55, compared to a current price of €1.39 — trading 152.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.37. Ready Capital's overall GF Score™ is 34/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Ready Capital (FRA:0SZ), the current LT-Debt-to-Total-Asset is 0.37 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 (FRA:0SZ) Overvalued in 2026?

Based on GuruFocus' analysis, Ready Capital stock appears to be overvalued. The current stock price of €1.39 is trading 152.4% above its estimated GF Value™ of €0.55. GuruFocus considers Ready Capital to be Significantly Overvalued.

Key valuation signals for FRA:0SZ:

  • LT-Debt-to-Total-Asset: 0.37
  • GF Value™: €0.55 vs. price of €1.39 (152.4% above fair value)
  • GF Score™: 34/100 with 2 warning signs

No single metric tells the full story. See the FRA:0SZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ready Capital Business Description

Industry Real EstateREITs
Address 1251 Avenue of the Americas, 50th Floor, New York, NY, USA, 10020
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.
34GF Score

Get the complete analysis for FRA:0SZ

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.39
Price
€0.55
GF Value