Should I Buy RC? RC 2026 Analysis

Should You Buy Ready Capital Corp (RC) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

2.060

1 Day change

4.57%

52 Week Range

6.850

Analysis Updated At

2026/01/30

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RC is not a good buy right now for an impatient investor looking for immediate upside. The stock is weak (down ~~4.75% today to $2.11), sitting just above key support (~~$2.056) with no Intellectia buy signals, bearish near-term options flow, and continued negative analyst revisions (including a $2.05 target with Underperform). This sets up as a high-risk “dead-cat bounce” candidate rather than a clean buy.

Technical Analysis

Price/Trend: The tape is bearish today (-4.75%) and price ($2.11) is below the pivot (2.279), implying downside pressure unless it reclaims ~2.28. Momentum: MACD histogram is slightly positive (0.00655) but contracting, suggesting upside momentum is fading rather than strengthening. RSI: RSI(6) ~31.6, near oversold territory—this can support a short-term bounce, but it is not a standalone buy signal without confirmation. Levels: Immediate support is S2 ~2.056 (critical). If that breaks, downside risk accelerates. Near resistance: 2.279 (pivot) then 2.416 (R1). Interpretation: Technically this looks like a weak downtrend/pressure zone with potential for a brief oversold bounce, but not a high-confidence entry for a quick win—especially with price below pivot and MACD contracting.

Intellectia Proprietary Trading Signals:

AI Stock Picker: No signal on given stock today.
SwingMax: No signal on given stock today.

Options Data

Bullish

Open Interest Put-Call Ratio

Bearish

Option Volume Put-Call Ratio

Sentiment: Open interest is call-heavy (OI put-call 0.26), but today’s flow is put-dominant (put-call volume 4.79; puts 670 vs calls 140). That combination often signals near-term fear/hedging or speculative downside positioning despite larger standing call OI. Volatility: 30D IV is very elevated (~86.8) with IV percentile ~97.6, meaning options are expensive and the market is pricing large moves—typically not supportive of a calm, steady upside grind. Activity: Volume is elevated (today vs 30D avg ~118%), reinforcing that sentiment is active and skewed bearish near-term.

Technical Summary

Sell

Buy

Positive Catalysts

Macro/sector tailwind mentioned by analysts: falling 30-year mortgage rates (toward ~6.2% from 7%+ highs) and tightening agency spreads can improve sector tone and origination/refi activity.
Potential policy catalyst: talk of GSE reform returning to focus could improve sentiment for parts of mortgage finance.
Mean-reversion setup: RSI near oversold and price near support can spark a short-lived bounce if support holds.

Neutral/Negative Catalysts

is below current price ($2.11).
with nearby support at 2.056—limited room before a breakdown.

Financial Performance

Latest reported quarter: 2025/Q3. Revenue: $180.5M, down ~27.0% YoY (clear top-line contraction). Profitability: Net income still negative (-$23.0M) but improved ~69% YoY; EPS -$0.14 improved ~75% YoY (loss narrowing, but still not profitable). Margins: Gross margin ~20.9%, down ~6.7% YoY (margin pressure persists). Bottom line: Some improvement in losses, but the revenue decline and margin deterioration support the market’s cautious stance.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent trend: predominantly negative revisions—multiple price target cuts since Nov 2025. Key points:

2026-01-08 Keefe Bruyette: PT cut to $2.05 (from $2.50), Underperform.
2025-12-22 Piper Sandler: PT cut to $2.50 (from $3.50), Neutral; acknowledges improving sector backdrop but not full normalization.
2025-11-14 UBS: PT cut to $2.75 (from $3.50), Neutral.
2025-11-12 Keefe Bruyette: PT cut to $2.50 (from $3.50), Underperform; credit uncertainty.
2025-11-10 Piper Sandler: PT cut to $3.50 (from $4.50), Neutral; notes core miss and dividend cut telegraphing. Wall Street pros vs cons: Pros focus on potentially improving mortgage/agency backdrop and the possibility much bad news is already in the price. Cons focus on credit uncertainty, reduced earnings visibility, and dividend risk—overall skew remains cautious/negative.

3 Analyst Rating

Wall Street analysts forecast RC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for RC is 2.43 USD with a low forecast of 2.05 USD and a high forecast of 2.75 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

2 Hold

1 Sell

Moderate Sell

Current: 1.970

Low

2.05

Averages

2.43

High

2.75

Current: 1.970

Low

2.05

Averages

2.43

High

2.75

Keefe Bruyette

NULL -> Underperform

downgrade

AI Analysis

2026-01-08

Reason

Keefe Bruyette

Price Target

AI Analysis

2026-01-08

downgrade

NULL -> Underperform

Reason

Keefe Bruyette lowered the firm's price target on Ready Capital to $2.05 from $2.50 and keeps an Underperform rating on the shares.

Piper Sandler

Crispin Love

Neutral

downgrade

2025-12-22

Reason

Piper Sandler

Crispin Love

Price Target

2025-12-22

downgrade

Neutral

Reason

Piper Sandler analyst Crispin Love lowered the firm's price target on Ready Capital to $2.50 from $3.50 and keeps a Neutral rating on the shares ahead of Q4 results for the firm's mortgage finance coverage. The sector backdrop has shifted positively, driven by 30-year rates falling to 6.2% from 7%-plus highs earlier in the year and material tightening in agency spreads. While the market has not yet fully "normalized," momentum is building, Piper argues. Mortgage application volumes are rising, led by an 18% sequential and 100%-plus year-over-year surge in refinance activity. Additionally, GSE reform is likely to return to the spotlight given the administration's push for a deal under President Trump and FHFA Director Bill Pulte, it adds.

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RC Should I Buy

RC Should I Buy

Should You Buy Ready Capital Corp (RC) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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