Ready Capital Total provisions for credit losses decreased by 52.7% to $70.91M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 164.7%, from -$109.57M to $70.91M. Over 4 years (FY 2021 to FY 2025), Total provisions for credit losses shows an upward trend with a 81.3% CAGR.
operating_provision_for_loan_losses_expensed| 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 | $5.52M | $1.58M | $961.00K | $1.54M | -$4.39M | $3.43M | $33.86M | -$6.73M | $19.43M | -$12.15M | $6.69M | -$26.54M | -$18.87M | $53.17M | $285.01M | -$109.57M | $8.64M | $37.98M | $149.99M | $70.91M |
| QoQ Change | — | -71.4% | -39.1% | +60.5% | -384.7% | +178.2% | +886.9% | -119.9% | +388.5% | -162.5% | +155.0% | -496.9% | +28.9% | +381.7% | +436.1% | -138.4% | +107.9% | +339.5% | +294.9% | -52.7% |
| YoY Change | — | — | — | — | -179.6% | +117.3% | >999% | -536.7% | +542.5% | -454.2% | -80.2% | -294.2% | -197.1% | +537.5% | >999% | -312.8% | +145.8% | -28.6% | -47.4% | +164.7% |
| Segment | Q3 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q2 '24 | Q3 '24 | Q1 '25 |
|---|---|---|---|---|---|---|---|---|
| Lmm Commercial Real Estate | $7.87M | — | — | — | $6.59M | -$14.41M | $49.24M | -$117.94M |
| Small Business Lending | $200.00K | $1.40M | $2.01M | $2.31M | $96.00K | -$4.46M | $3.93M | $8.37M |
| Sbc Lending And Acquisitions | $3.23M | -$8.13M | $17.42M | -$14.47M | — | — | — | — |
| Total | $3.43M | -$6.73M | $19.43M | -$12.15M | $6.69M | -$18.87M | $53.17M | -$109.57M |
Lmm Commercial Real Estate, Sbc Lending And Acquisitions, Small Business Lending were previously reported and have since been discontinued or reclassified. Only currently active segments are shown in the chart.
| Segment | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|
| LMM Commercial Real Estate | -$117.94M | $5.15M | $30.98M | $143.54M | $66.52M |
| Small Business Lending | $8.37M | $3.49M | $7.00M | $6.45M | $4.38M |
| Total | -$109.57M | $8.64M | $37.98M | $149.99M | $70.91M |