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Ready Capital RC Q4 2025 Annual earnings

Reported February 26, 2026 · After market close

Revenue-$14.1MMiss by $98.6MDiluted EPS-$0.09Beat by $0.02
Revenue estimate$84.4M
EPS estimate-$0.11

Next report

Aug 6, 2026 (In 1 week)
Revenue estimate$16.4M
EPS estimate-$0.48

Financials

Q4 2025

Income statement

See full
Revenue$124.0M-39.2%
Net income-$232.6M+26.1%
EPS (diluted)-$1.43+23.9%

Balance sheet

See full
Cash & equivalents$249.5M+36.5%
Total equity$1.5B-16.0%
Total assets$7.8B-23.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$353.44M-69.2%
P/S0.6×-0.7×

Profitability

See full
Net margin-38.8%-6.2pp

Returns & leverage

See full
Return on equity-13.1%-3.3pp

Versus estimates

Revenue

Q1 2026-$63.1MMiss by $131.8M
Q4 2025-$14.1MMiss by $98.6M
Q3 2025$85.4MBeat by $12.4MQ2 2025$181.9MBeat by $12.6MQ1 2025-$74.1MMiss by $281.5MQ4 2024$58.2MMiss by $150.2M

Diluted EPS

Q1 2026-$0.33Miss by $0.18
Q4 2025-$0.09Beat by $0.02
Q3 2025-$0.94Miss by $0.70Q2 2025-$0.14Miss by $0.13Q1 2025-$0.09Miss by $0.21Q4 2024$0.23Beat by $0.02

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Questions, answered.

When did Ready Capital report Q4 2025 earnings?
Ready Capital (RC) reported Q4 2025 earnings on February 26, 2026 after market close.
What were Ready Capital's Q4 2025 revenue and EPS?
Ready Capital reported revenue of -$14.1M and diluted EPS of $-0.09 for Q4 2025.
Did Ready Capital beat estimates in Q4 2025?
Revenue missed the consensus estimate of $84.4M by $98.6M. EPS beat the consensus estimate of $-0.11 by $0.02.
How did Ready Capital's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 124.3% from $58.2M a year earlier.
Where can I find Ready Capital's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-012348) and the 10-K periodic report (0001628280-26-013256) directly on SEC EDGAR. The filing index links above go to sec.gov.