Loan Portfolio Expense
Ready Capital Loan Portfolio Expense increased by 240.4% to $15.67M in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 1.1%, from $15.84M to $15.67M. Over 4 years (FY 2021 to FY 2025), Loan Portfolio Expense shows an upward trend with a 18.3% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
Rising costs relative to portfolio size may indicate declining operational efficiency or increased complexity in managing distressed assets.
Detailed definition
Direct costs associated with the management, maintenance, and administration of the company's loan portfolio. This inclu...
Peer comparison
Highly comparable among real estate finance firms, reflecting the intensity of asset management requirements.
operating_expenses_loan_portfolio_expenseHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $6.85M | $8.12M | $0.00 | $8.92M | $10.30M | $10.70M | $901.00K | $8.16M | $10.89M | $12.54M | $9.22M | $12.79M | $11.01M | $10.10M | $12.75M | $15.84M | $11.04M | $9.77M | $4.61M | $15.67M |
| QoQ Change | — | +18.6% | -100.0% | — | +15.4% | +3.9% | -91.6% | +805.1% | +33.6% | +15.1% | -26.5% | +38.7% | -13.9% | -8.3% | +26.2% | +24.3% | -30.3% | -11.5% | -52.9% | +240.4% |
| YoY Change | — | — | — | — | +50.3% | +31.7% | — | -8.6% | +5.8% | +17.2% | +923.4% | +56.9% | +1.1% | -19.5% | +38.3% | +23.8% | +0.2% | -3.3% | -63.9% | -1.1% |
Business Segments — Sbc Lending And Acquisitions
| Segment | Q2 '21 | Q3 '21 | Q1 '22 | Q2 '22 | Q3 '22 |
|---|---|---|---|---|---|
| Sbc Lending And Acquisitions | $4.62M | $4.33M | $5.88M | $7.91M | $8.23M |
| Residential Mortgage Banking | $2.09M | $3.36M | $2.54M | $2.46M | $2.37M |
| Total | $6.85M | $8.12M | $8.92M | $10.30M | $10.70M |
Residential Mortgage Banking, Sbc Lending And Acquisitions were previously reported and have since been discontinued or reclassified. Only currently active segments are shown in the chart.
Business Segments — LMM Commercial Real Estate
| Segment | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| LMM Commercial Real Estate | $10.90M | $9.63M | $11.59M | $15.06M | $11.01M | $8.08M | $3.56M | $14.57M |
| Small Business Lending | $116.00K | $469.00K | $1.16M | $780.00K | $25.00K | $1.69M | $1.05M | $1.10M |
| Total | $11.01M | $10.10M | $12.75M | $15.84M | $11.04M | $9.77M | $4.61M | $15.67M |
Loan Portfolio Expense at Other Companies
Frequently Asked Questions
- What is Ready Capital's loan portfolio expense?
- Ready Capital (RC) reported loan portfolio expense of $15.67M in Q1 2026.
- How has Ready Capital's loan portfolio expense changed year-over-year?
- Ready Capital's loan portfolio expense decreased by 1.1% year-over-year, from $15.84M to $15.67M.
- What is the long-term trend for Ready Capital's loan portfolio expense?
- Over 4 years (2021 to 2025), Ready Capital's loan portfolio expense has grown at a 18.3% compound annual growth rate (CAGR), from $21.08M to $41.26M.
- What does loan portfolio expense mean?
- The cost of managing and servicing the company's existing loan assets.