Keefe Bruyette cuts Ready Capital price target to $3.75

Published 13/05/2025, 12:42
Keefe Bruyette cuts Ready Capital price target to $3.75

On Tuesday, Keefe, Bruyette & Woods adjusted their outlook on Ready Capital Corp. (NYSE:RC), decreasing the price target from $4.00 to $3.75, while maintaining an Underperform rating on the company’s stock. The revision follows Ready Capital’s first-quarter results, which prompted the firm to reassess their estimates based on several factors, including a smaller interest-earning portfolio, projected credit and real estate owned (REO) costs, as well as lower new originations, particularly in the Small Business Administration (SBA (LON:SBA)) sector.

Analysts at Keefe, Bruyette & Woods highlighted increased borrowing costs as a significant concern, noting Ready Capital’s recent issuance of $50 million of notes at an interest rate of 9.375%. They anticipate that these higher borrowing costs will negatively impact the company’s earnings. Additionally, the analysts pointed out the company’s elevated senior note and corporate debt maturities in 2026, totaling $699 million, as detailed in the company’s 10-Q filing.

Despite Ready Capital’s shares trading at 0.4 times book value, Keefe, Bruyette & Woods remain cautious. Their caution is based on credit risks, ongoing uncertainty, and limited visibility into the company’s long-term earnings. The firm’s analysts do not expect Ready Capital to earn its dividend based on core earnings, excluding credit considerations.

The revised price target reflects Keefe, Bruyette & Woods’ assessment of these challenges facing Ready Capital, as the company navigates a difficult financial landscape in 2025. The analysts’ commentary underscores the impact of the company’s financial strategies and market conditions on its valuation and performance.

In other recent news, Ready Capital Corp reported disappointing financial results for Q1 2025, missing earnings expectations significantly. The company posted a loss of $0.09 per share, contrary to the anticipated gain of $0.14. Revenue also fell short, totaling $40.24 million against the forecasted $92.17 million. Despite these setbacks, Ready Capital completed a merger with UDF, which added $167.1 million in equity, positively impacting the company’s book value. The merger was seen as a strategic move to bolster the company’s financial standing. Analysts from UBS and Ladenburg Thalmann inquired about the company’s future asset liquidation and share repurchase strategies during the earnings call. Ready Capital’s management expressed confidence in asset stabilization and highlighted plans to reposition assets and reinvest for future growth. The company anticipates maintaining stable dividends but remains cautious given the current financial challenges.

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