RC Stock — Ready Capital Corp

Ready Capital Corp (RC)

Updated October 16, 2026.

RC is a Stock. its distribution rate is 3.64%, its trailing-12-month yield is 3.64%. Dividend Vision Distribution Safety Score™ is 0/100 (High risk). Total return is -74.6% over the past 13.7 years, 609.3 points behind SPY at 534.7%.

Ready Capital Corporation is a real estate investment trust that originates, acquires, and services lower-to-middle-market commercial real estate loans, small business administration loans, and residential mortgage loans through its LMM Commercial Real Estate and Small Business Lending segments. The company distributes quarterly with a modest current distribution rate. Ready Capital appeals to income-focused investors seeking exposure to real estate finance and the mortgage lending market.

RC performance versus SPY

Price and return data through 2026-10-16.

Total return is -74.6% over the past 13.7 years, 609.3 points behind SPY at 534.7%. Over the past year its total return — price change plus distributions reinvested — is -65.6%. Its deepest 1-year drawdown was 66.6%.

RC key facts

Distribution Safety Score™

0 · High risk

Safety-Adjusted Yield

0.00%

Asset type

Stock

Asset class

Equity

Inception date

02/08/2013

Distribution rate

3.64%

Distribution frequency

Quarterly

Trailing yield

3.64%

5-year average yield

13.24

Last close

$1.10 (as of 2026-10-16)

Market cap

$181,710,091

Average volume

1176887.0

Dividend

$0.01

Ex-dividend date

09/30/2026

Payment date

10/30/2026

Beta

1.596

Payout ratio

85.0%

Forward P/E

7.0522

EPS

$-3.46

How Dividend Vision calculates yield and returns

Distribution rate (3.64%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (3.64%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

RC risks and drawbacks

RC's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are quarterly, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 66.6%.

Who may consider RC — and who may not

RC may suit someone looking for moderate current income with a quality tilt. It is a weaker fit for investors who need monthly cash flow (RC pays quarterly); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

More on RC

• All tickers starting with R

Tagged: Real Estate, Dividend.

Frequently asked questions