RC Should I Buy
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Ready Capital Corp (RC) is not a good buy for a beginner, long-term investor with $50,000-$100,000 available for investment. The technical indicators are bearish, options sentiment is overwhelmingly negative, financial performance is weak, and analysts have downgraded the stock with reduced price targets. Additionally, there are no positive catalysts or influential trading activity to support a bullish case.
The technical indicators for RC are bearish. The MACD is below zero and negatively expanding, RSI is at 13.987 indicating an oversold condition, and moving averages are bearish (SMA_200 > SMA_20 > SMA_5). The stock is trading below key support levels, with S1 at 1.727 and S2 at 1.596, suggesting further downside potential. Historical analysis shows a 70% chance of the stock declining -18.97% in the next day, -20.51% in the next week, and -22.18% in the next month.
NULL identified. There is no recent news, no significant hedge fund or insider trading activity, and no recent congress trading data.
Analysts have downgraded the stock with reduced price targets. Keefe Bruyette lowered the price target to $2.05 from $2.50 and maintains an Underperform rating. Piper Sandler also lowered the price target to $2.50 from $3.50, citing challenges in the mortgage finance sector.
Weak financial performance in Q3 2025, with revenue dropping -27.04% YoY and gross margin declining -6.73% YoY.
Technical indicators and historical stock trends suggest further downside potential.
No positive sentiment or influential trading activity to support a bullish case.
In Q3 2025, Ready Capital's financial performance was weak. Revenue dropped to $180.52M, down -27.04% YoY. Net income improved to -$22.95M (up 69.40% YoY), but it remains negative. EPS increased to -0.14 (up 75.00% YoY), but still in the negative range. Gross margin dropped to 20.92%, down -6.73% YoY. Overall, the financials indicate a struggling business with no clear signs of recovery.
Analysts have a negative outlook on RC. Keefe Bruyette and Piper Sandler both lowered their price targets, with Keefe Bruyette maintaining an Underperform rating and Piper Sandler maintaining a Neutral rating. The sector backdrop has improved slightly, but analysts remain cautious about the stock's prospects.
