Ready Capital Corporation (RC)

Ready Capital Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2023	FY 2023
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023
Net Income	-442.12	-860.8	696.82	203.16	203.16
Depreciation & Amortization	2.81	4.97	-	-	-
Provision for Credit Losses	96.03	292.76	7.23	37.8	37.8
Stock-Based Compensation	5.81	8.12	7.55	7.5	7.5
Net Change in Loans Held-for-Sale	620.16	450.91	-2.27	-	-
Other Adjustments	71.27	-24.51	-85.4	-356.27	-356.27
Changes in Accrued Interest and Accounts Receivable	-28.03	-2.97	1.95	6.81	6.81
Changes in Accrued Expenses	-59.97	-14.41	-22.21	20.16	20.16
Changes in Other Operating Activities	-204.84	21.12	-82.14	-42.83	-42.83
Operating Cash Flow	432.12	274.82	51.13	359.15	359.15
Operating Cash Flow Growth	57.24%	437.48%	-85.76%	-	-
Net Change in Loans Held-for-Investment	1,547	1,448	935.85	-2,487	-2,487
Net Change in Securities and Investments	-1.61	-0.14	8.06	105.98	105.98
Payments for Business Acquisitions	-	-44.37	38.71	-	-
Capital Expenditures	-2.37	-1.41	-12.46	-10.97	-10.97
Sale of Property, Plant & Equipment	72.57	67.24	78	10.11	10.11
Other Investing Activities	-32.64	-34.18	-10.64	31.84	31.84
Investing Cash Flow	1,643	1,535	1,019	-1,556	-1,556
Short-Term Debt Repaid	-12.3	-17.17	-164.98	-740.49	-740.49
Net Short-Term Debt Issued (Repaid)	-12.3	-17.17	-164.98	-740.49	-740.49
Long-Term Debt Issued	3,452	3,315	4,127	10,537	10,537
Long-Term Debt Repaid	-5,134	-3,841	-5,938	-10,774	-10,774
Net Long-Term Debt Issued (Repaid)	-1,682	-525.33	-1,811	-236.09	-236.09
Issuance of Common Stock	0.11	-	-	1,264	1,264
Repurchase of Common Stock	-69.7	-117.27	-18.11	-99.01	-99.01
Net Common Stock Issued (Repurchased)	-69.59	-117.27	-18.11	1,165	1,165
Common Dividends Paid	-215.09	-206.06	-82.25	-187.83	-187.83
Other Financing Activities	-29.85	-12.2	-42.45	66.24	66.24
Financing Cash Flow	-2,038	-1,880	-1,085	1,171	1,171
Net Cash Flow	66.76	-79.73	-11.1	-26.3	-26.3
Free Cash Flow	429.75	273.41	38.67	348.18	348.18
Free Cash Flow Growth	57.18%	607.08%	-88.89%	-	-
FCF Margin	41.56%	22.80%	1.87%	75.04%	51.83%
Free Cash Flow Per Share	2.57	1.60	0.26	-	-
Levered Free Cash Flow	-2,224	-978.95	-1,759	-959.75	-756.53
Unlevered Free Cash Flow	-292.39	7.3	-114.87	-26.83	-26.83

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

SEC Filings: 10-K · 10-Q