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

What is Ready Capital LT-Debt-to-Total-Asset?

Ready Capital RC +2.89% 31 LT-Debt-to-Total-Asset is 0.37 as of Mar. 2026. 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.

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 (NYSE:RC) 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

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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

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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															0.49	0.39	0.40	0.40	0.37

31GF Score

Ready Capital Corp RC

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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 )
	=	3139.273	/	7769.796
	=	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 )
	=	2353.812	/	6314.288
	=	0.37

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 (RC) 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 31/100 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 ACRE?

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 (RC) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.65, compared to a current price of $1.78 — trading 173.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.37. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Ready Capital (RC), 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 (RC) Overvalued in 2026?

Based on GuruFocus' analysis, Ready Capital stock appears to be overvalued. The current stock price of $1.78 is trading 173.8% above its estimated GF Value™ of $0.65. GuruFocus considers Ready Capital to be Significantly Overvalued.

Key valuation signals for RC:

LT-Debt-to-Total-Asset: 0.37
GF Value™: $0.65 vs. price of $1.78 (173.8% above fair value)
GF Score™: 31/100 with 2 warning signs

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 Business Description

Industry Real Estate REITs

Comparable Companies NREF ACRE CMTG MITT REFI AOMR SEVN KREF ACR SUNS NLY AGNC STWD RITM BXMT DX ARR EFC BSP:KNCR11 ARI

Other Exchanges RCpC.PFD:USA 0SZ:Germany

Address 1251 Avenue of the Americas, 50th Floor, New York, NY, USA, 10020

Website https://www.readycapital.com

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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$1.78

Price

$0.65

GF Value

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