Ready Capital Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2023	FY 2023
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Sep '23 Sep 30, 2023	Jun '23 Jun 30, 2023
Net Interest Income	1,083	1,593	1,662	442.2	405.42
Net Interest Income Growth	-32.02%	-4.14%	275.91%	9.07%	7.26%
Non-Interest Income	46.71	-101.77	408.47	59.59	304.18
Non-Interest Income Growth	-	-	585.45%	-80.41%	589.79%
Revenues Before Loan Losses	1,130	1,492	2,071	501.79	709.6
Provision for Credit Losses	87.04	292.76	7.23	12.15	-19.43
Revenue	1,043	1,199	2,064	489.64	729.03
Revenue Growth (YoY)	-13.01%	-41.90%	321.43%	-32.84%	75.53%
Compensation Expenses	104.32	93.91	92.37	27.87	30.21
Selling, General & Admin	92.44	98.41	102.44	30.86	24.6
Other Non-Interest Expenses	120.51	130.19	77.36	20.79	31.78
Total Non-Interest Expense	317.27	322.51	272.17	79.51	86.59
Pretax Income	725.69	876.4	1,791	410.13	642.44
Provision for Income Taxes	86.7	104.51	-7.17	4.03	5.14
Net Income	-236.91	-443.75	331.45	43.66	246.88
Net Income to Common	-236.91	-443.75	331.45	43.66	246.88
Net Income Growth	-	-	659.12%	-82.31%	644.88%
Shares Outstanding (Basic)	165	169	147	172	172
Shares Outstanding (Diluted)	167	170	149	172	172
Shares Change (YoY)	-1.88%	14.74%	-13.64%	0.22%	55.00%
EPS (Basic)	-1.44	-2.63	2.25	0.25	1.44
EPS (Diluted)	-1.44	-2.63	2.22	0.25	1.44
EPS Growth	-	-	774.64%	-82.35%	380.58%
Free Cash Flow	429.75	273.41	38.67	348.18	348.18
Free Cash Flow Growth	57.18%	607.08%	-88.89%	-	-
Free Cash Flow Per Share	2.57	1.60	0.26	-	-
Dividends Per Share	0.385	1.100	1.460	-	-
Dividend Growth	-65.00%	-24.66%	-	-	-
Profit Margin	60.93%	64.38%	87.16%	82.00%	86.35%
FCF Margin	41.56%	22.80%	1.87%	75.04%	51.83%
EBITDA	2.81	4.97	0	0	0
EBITDA Margin	0.27%	0.41%	0.00%	0.00%	0.00%
Effective Tax Rate	12.10%	11.93%	-0.40%	1.05%	0.88%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q