Ready Capital Corporation (RC)

Ready Capital Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-1,006	-442.12	-860.8	696.82	406.33	164.62
Depreciation & Amortization	1.58	2.81	4.97	-	-	-
Provision for Credit Losses	238.53	96.03	292.76	7.23	37.8	8.22
Stock-Based Compensation	5.65	5.81	8.12	7.55	7.5	-23.13
Net Change in Loans Held-for-Sale	591.87	620.16	450.91	-2.27	192.09	-
Other Adjustments	244.92	71.27	-24.51	-85.4	-238.58	-25.19
Changes in Accrued Interest and Accounts Receivable	-40.38	-28.03	-2.97	1.95	14.11	-
Changes in Accrued Expenses	-80.42	-59.97	-14.41	-22.21	-67.5	-1.16
Changes in Other Operating Activities	-149.09	-204.84	21.12	-82.14	-39.2	6.02
Operating Cash Flow	913.84	432.12	274.82	51.13	359.15	-133.64
Operating Cash Flow Growth	153.96%	57.24%	437.48%	-85.76%	-	-
Net Change in Loans Held-for-Investment	1,940	1,547	1,448	935.85	-1,767	-1,053
Net Change in Securities and Investments	2.55	-1.61	-0.14	8.06	82.66	2,015
Payments for Business Acquisitions	-16.02	-	-44.37	38.71	123.57	-1,720
Capital Expenditures	-3.03	-2.37	-1.41	-12.46	-10.97	41.75
Sale of Property, Plant & Equipment	102.2	72.57	67.24	78	7.52	11.24
Other Investing Activities	-33.52	-32.64	-34.18	-10.64	12.82	-1,702
Investing Cash Flow	2,004	1,643	1,535	1,019	-1,556	-1,718
Short-Term Debt Issued	-	-	-	-	-	2,290
Short-Term Debt Repaid	-11.42	-12.3	-17.17	-164.98	-740.49	-1,401
Net Short-Term Debt Issued (Repaid)	-11.42	-12.3	-17.17	-164.98	-740.49	888.83
Long-Term Debt Issued	2,717	3,452	3,315	4,127	7,991	9,650
Long-Term Debt Repaid	-5,566	-5,134	-3,841	-5,938	-8,199	-5,737
Net Long-Term Debt Issued (Repaid)	-2,849	-1,682	-525.33	-1,811	-208.24	3,914
Issuance of Common Stock	-	0.11	-	-	1,264	185.95
Repurchase of Common Stock	-50.76	-69.7	-117.27	-18.11	-99.01	-1.29
Net Common Stock Issued (Repurchased)	-50.76	-69.59	-117.27	-18.11	1,165	184.66
Repurchase of Preferred Stock	-	-	-	-	-	-40.24
Net Preferred Stock Issued (Repurchased)	-	-	-	-	-	-40.24
Common Dividends Paid	-174.67	-215.09	-206.06	-82.25	-187.83	-
Other Financing Activities	-20.41	-29.85	-12.2	-42.45	-67.25	-44.26
Financing Cash Flow	-2,950	-2,038	-1,880	-1,085	1,171	2,021
Net Cash Flow	-7.18	66.76	-79.73	-11.1	-23.68	169.32
Free Cash Flow	910.81	429.75	273.41	38.67	348.18	-91.9
Free Cash Flow Growth	111.94%	57.18%	607.08%	-88.89%	-	-
FCF Margin	86.18%	41.20%	22.80%	1.87%	29.60%	-12.68%
Free Cash Flow Per Share	5.45	2.57	1.60	0.26	2.97	-1.34
Levered Free Cash Flow	-3,650	-2,224	-978.95	-1,759	-866.04	5,000
Unlevered Free Cash Flow	-271.33	-292.39	7.3	-114.87	-103.57	46.6

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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