NYSE$RC

Ready Capital Corporation · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Ready Capital reported second quarter 2022 results, with GAAP earnings per common share of $0.47 and distributable earnings per common share of $0.48.

Ready Capital Corporation reported financial results for the quarter ended June 30, 2022. The company's results reflect its ability to deploy capital across economic cycles, with growth in the loan portfolio and continued access to capital markets.

  • Total investments of $2.1 billion, including $1.2 billion of SBC originations and acquisitions, $746.4 million of residential mortgage loans, and $128.8 million of U.S. Small Business Administration 7(a) loans
  • Total year-to-date investment activity of $5.2 billion, 17% year-over-year growth
  • Closed a $754.2 million commercial mortgage CLO, consisting of 25 first-lien floating rate loans
  • Declared and paid dividend of $0.42 per share in cash with distributable earnings coverage of the common dividend at 1.14x

Headline financials

Total Revenue

$124M

Previous: $123M+0.1%
EPS (adj)

$0.46

Previous: $0.52-11.5%
Book Value Per Share

$15.28

No prior period
Dividend Per Share

$0.42

Previous: $0.42+0.0%
Capital Expenditures

-$2.16M

No prior period
Free Cash Flow

$56.8M

Previous: $30.9M+83.8%
Net Income

$59M

Previous: $30.9M+90.8%
Operating Income

$17.7M

Previous: $33.4M-47.1%
Gross Profit

$119M

Previous: $112M+6.5%
Cash & Equivalents

$128M

Previous: $201M-36.3%
Total Assets

$11.9B

Previous: $8.98B+33.0%
Stock-Based Comp

$2.15M

Previous: $767K+179.9%

Revenue & EPS history

Ready Capital · Revenue · Quarterly

$124M

Q2 2022+0.1%vs Q2 2021
Beat estimate in 5 of 14 quarters(36%)
ActualEstimate

Forward guidance

Management will host a webcast and conference call on Friday, August 5, 2022, at 8:30 am ET to provide a general business update and discuss the financial results for the quarter ended June 30, 2022.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2022

Historical avgQ2 2022

-1.0%

Avg return

Earnings day

-1.5%

Avg return

5 days after

-0.2%

Avg return

30 days after

39%

22 / 56 earnings

Positive

+16.2%

Q2 2020

Best reaction

-26.8%

Q4 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-12.9%-21.7%-21.7%
Q4 2025+12.2%+27.0%-6.7%
Q3 2025-1.7%-11.0%-12.4%
Q1 2025-5.3%-3.0%-1.6%
Q4 2024-26.8%-22.7%-26.3%
Q3 2024+4.7%+3.0%+5.9%
Q2 2024+0.1%-4.7%-9.8%
Q1 2024-0.9%+4.9%-1.5%
Q4 2023-5.0%+0.3%+2.1%
Q3 2023+1.0%-1.9%+5.3%
Q2 2023-0.8%-2.5%-5.1%
Q1 2023-2.0%+0.2%+8.1%
Q4 2022-9.9%-10.6%-19.0%
Q3 2022+4.4%+10.2%+6.8%
Q2 2022+1.3%+1.6%-7.2%
Q1 2022-6.5%-7.7%-3.2%
Q4 2021+6.6%+7.6%+13.5%
Q3 2021+5.4%+4.2%+2.1%
Q2 2021+2.6%+2.5%+3.5%
Q1 2021+0.9%-2.9%+7.9%
Q4 2020+4.3%+4.1%-4.0%
Q3 2020-4.0%-4.7%+12.8%
Q2 2020+16.2%+16.1%+25.7%
Q1 2020-11.1%-12.1%+40.8%
Q4 2019-18.7%-34.7%-47.6%
Q3 2019+1.8%+0.1%-1.4%
Q2 2019+1.4%-0.3%-0.3%
Q1 2019-2.2%-3.6%-3.6%
Q4 2018-4.0%-5.8%-8.0%
Q3 2018-2.9%-1.3%+0.7%
Q2 2018-0.3%-2.1%+2.1%
Q1 2018+4.2%+5.2%+11.5%
Q4 2017+2.7%+2.4%-3.4%
Q3 2017+2.3%+1.7%+6.3%
Q2 2017-1.0%+0.0%+4.4%
Q1 2017-2.0%-3.4%+0.3%
Q4 2016+4.1%+3.7%+6.7%
Q4 2015+0.4%+1.2%+5.8%
Q3 2016+1.6%+2.8%+6.3%
Q2 2016-1.9%-1.7%-3.8%
Q1 2016-0.5%
Q4 2014-0.4%
Q3 2015-5.9%
Q2 2015-1.5%
Q1 2015-0.9%
Q3 2014-2.4%
Q2 2014+7.2%
Q1 2014-0.3%
Q4 2013+0.8%
Q3 2012-3.1%
Q3 2013-3.1%
Q2 2013-0.9%
Q2 2012-0.9%
Q4 2012-1.2%
Q1 2013-1.2%
Q1 2012-1.2%

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