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10/2
NIKE, Inc.
(NKE)
10/2
DARDEN RESTAURANTS INC
(DRI)
9/30
CONAGRA BRANDS INC.
(CAG)
9/29
Carnival Corp Ltd.
(CCL)
9/29
URANIUM ENERGY CORP
(UEC)
9/29
COPART INC
(CPRT)
9/24
BLACKBERRY Ltd
(BB)
9/24
PAYCHEX INC
(PAYX)
9/23
GENERAL MILLS INC
(GIS)
9/22
ADOBE INC.
(ADBE)
9/18
KROGER CO
(KR)
10/2
NIKE, Inc.
(NKE)
10/2
DARDEN RESTAURANTS INC
(DRI)
9/30
CONAGRA BRANDS INC.
(CAG)
9/29
Carnival Corp Ltd.
(CCL)
9/29
URANIUM ENERGY CORP
(UEC)
9/29
COPART INC
(CPRT)
9/24
BLACKBERRY Ltd
(BB)
9/24
PAYCHEX INC
(PAYX)
9/23
GENERAL MILLS INC
(GIS)
9/22
ADOBE INC.
(ADBE)
9/18
KROGER CO
(KR)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
|
Compare
Cash Flow Overview
Change in Cash
$66,760K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from secured borrowings
Proceeds from disposition and pr...
Loans, held for sale, net
Others
Negative Cash Flow Breakdown
Repayment of securitized debt ob...
Repayment of secured borrowings
Origination of loans
Others
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Page 1
Annual
123
Page 1
Cash Flow
2025-12-31
2024-12-31
Net income (loss) from continuing operations
-215,853
-411,999
Amortization of premiums, discounts, and debt issuance costs, net
45,611
52,541
Stock-based compensation
5,807
8,119
Provision for loan losses
87,038
292,759
Valuation allowance, loans held for sale
-
124,878
Bargain purchase gain
-
13,859
Impairment loss on real estate owned, held for sale
23,503
56,503
Depreciation and amortization on real estate owned
2,812
-
Repair and denial reserve (recovery)
4,969
385
Paid-in-kind accrued interest
6,022
77,573
Provision for loan losses on purchased future receivables
0
2,118
Valuation allowance (recovery), loans held for sale
-15,443
-
Net (income) loss of unconsolidated joint ventures, net of distributions
2,271
7,702
Realized (gains) losses, net
-143,544
-53,900
Unrealized (gains) losses, net
-12,083
-15,086
Bargain purchase gain
109,549
-
Loans, held for sale, net
635,599
326,035
Derivative instruments
1,384
-5,234
Assets of consolidated vies (excluding loans, net), accrued interest and due from servicers
-80,054
60,828
Receivable from third parties
2,973
-1,948
Other assets
217,211
58,932
Accounts payable and other accrued liabilities
-14,413
-22,214
Net cash provided by operating activities from continuing operations
455,901
286,399
Net cash used for operating activities from discontinued operations
-23,784
-11,584
Net cash provided by operating activities
432,117
274,815
Origination of loans
592,564
826,430
Purchase of loans
-
0
Proceeds from disposition and principal payment of loans
2,139,819
2,274,117
Funding of investments held to maturity
2,385
0
Proceeds from principal payments of investments held to maturity
-
0
Proceeds from sale and principal payment of mortgage-backed securities
776
0
Funding of real estate, held for sale
2,366
1,408
Proceeds from sale of real estate, held for sale
72,565
67,240
Investment in unconsolidated joint ventures
25,535
33,239
Distributions in excess of cumulative earnings from unconsolidated joint ventures
33,233
13,593
Payment of liabilities under participation agreements
48,110
14,535
Net cash provided by disposal of discontinued operations
-3,521
-
Net cash provided by asset acquisitions
4,249
-
Net cash provided by (used for) business acquisitions
-16,020
44,366
Net cash provided by investing activities from continuing operations
1,599,223
1,434,972
Net cash provided by investing activities from discontinued operations
43,316
100,045
Net cash provided by investing activities
1,642,539
1,535,017
Proceeds from secured borrowings
3,035,413
2,102,388
Repayment of secured borrowings
2,285,215
2,166,562
Repayment of the paycheck protection program liquidity facility borrowings
12,300
17,166
Proceeds from issuance of securitized debt obligations of consolidated vies
0
0
Repayment of securitized debt obligations of consolidated vies
2,416,143
1,520,669
Proceeds from corporate debt
0
125,905
Repayment of corporate debt
247,434
-
Proceeds from senior secured note
290,250
92,119
Repayment of convertible note
0
0
Repayment of guaranteed loan financing
185,089
153,422
Payment of deferred financing costs
29,827
12,178
Payment of contingent consideration
0
0
Proceeds from issuance of equity, net of issuance costs
0
0
Common stock repurchased
67,596
82,250
Settlement of share-based awards in satisfaction of withholding tax requirements
2,106
1,238
Dividend payments
113,317
206,057
Distributions, net
0
-18
Net cash used for financing activities from continuing operations
-2,033,364
-1,839,148
Net cash provided by (used for) financing activities from discontinued operations
-4,324
-40,632
Net cash used for financing activities
-2,037,688
-1,879,780
Net decrease in cash, cash equivalents, and restricted cash including cash classified within assets held for sale
36,968
-69,948
Less net increase (decrease) in cash and cash equivalents within assets held for sale
-29,792
9,784
Net increase (decrease) in cash, cash equivalents, and restricted cash
66,760
-79,732
Cash, cash equivalents, and restricted cash beginning balance
182,774
262,506
Cash, cash equivalents, and restricted cash ending balance
249,534
182,774
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS).
Page 1
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Time Plot
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Cash Flow
RCB Cash Flow Sankey Diagram
Sankey diagram visualizing RCB cash flow for the period
Proceeds from
disposition and principal...
$2,139,819K
(-5.91%↓ Y/Y)
Loans, held for sale,
net
$635,599K
(94.95%↑ Y/Y)
Proceeds from sale of real
estate, held for sale
$72,565K
(7.92%↑ Y/Y)
Distributions in excess of
cumulative earnings from...
$33,233K
(144.49%↑ Y/Y)
Net cash provided by
(used for) business...
-$16,020K
(-136.11%↓ Y/Y)
Net cash provided by
asset acquisitions
$4,249K
Net cash provided by
disposal of discontinued...
-$3,521K
Proceeds from sale and
principal payment of...
$776K
Realized (gains) losses,
net
-$143,544K
(-166.32%↓ Y/Y)
Provision for loan losses
$87,038K
(-70.27%↓ Y/Y)
Assets of consolidated
vies (excluding...
-$80,054K
(-231.61%↓ Y/Y)
Amortization of premiums,
discounts, and debt...
$45,611K
(-13.19%↓ Y/Y)
Impairment loss on real
estate owned, held for...
$23,503K
(-58.40%↓ Y/Y)
Unrealized (gains) losses,
net
-$12,083K
(19.91%↑ Y/Y)
Stock-based compensation
$5,807K
(-28.48%↓ Y/Y)
Repair and denial
reserve (recovery)
$4,969K
(1190.65%↑ Y/Y)
Depreciation and
amortization on real estate...
$2,812K
Net cash provided by
investing activities from...
$1,599,223K
(11.45%↑ Y/Y)
Net cash provided by
investing activities from...
$43,316K
(-56.70%↓ Y/Y)
Net cash provided by
operating activities from...
$455,901K
(59.18%↑ Y/Y)
Canceled cashflow
$670,960K
Canceled cashflow
$585,119K
Net cash provided by
investing activities
$1,642,539K
(7.00%↑ Y/Y)
Net cash provided by
operating activities
$432,117K
(57.24%↑ Y/Y)
Canceled cashflow
$23,784K
Origination of loans
$592,564K
(-28.30%↓ Y/Y)
Payment of liabilities
under participation...
$48,110K
(230.99%↑ Y/Y)
Investment in
unconsolidated joint ventures
$25,535K
(-23.18%↓ Y/Y)
Funding of investments
held to maturity
$2,385K
Funding of real estate,
held for sale
$2,366K
(68.04%↑ Y/Y)
Other assets
$217,211K
(268.58%↑ Y/Y)
Net income (loss)
from continuing...
-$215,853K
(47.61%↑ Y/Y)
Bargain purchase gain
$109,549K
(690.45%↑ Y/Y)
Valuation allowance
(recovery), loans held for...
-$15,443K
Accounts payable and
other accrued...
-$14,413K
(35.12%↑ Y/Y)
Paid-in-kind accrued
interest
$6,022K
(-92.24%↓ Y/Y)
Receivable from third
parties
$2,973K
(252.62%↑ Y/Y)
Net (income) loss of
unconsolidated joint ventures,...
$2,271K
(-70.51%↓ Y/Y)
Derivative instruments
$1,384K
(126.44%↑ Y/Y)
Net decrease in
cash, cash...
$36,968K
(152.85%↑ Y/Y)
Less net increase
(decrease) in cash and cash...
-$29,792K
(-404.50%↓ Y/Y)
Canceled cashflow
$2,037,688K
Net cash used for
operating activities from...
-$23,784K
(-105.32%↓ Y/Y)
Net increase
(decrease) in cash, cash...
$66,760K
(183.73%↑ Y/Y)
Net cash used for
financing activities
-$2,037,688K
(-8.40%↓ Y/Y)
Proceeds from secured
borrowings
$3,035,413K
(44.38%↑ Y/Y)
Proceeds from senior
secured note
$290,250K
(215.08%↑ Y/Y)
Net cash used for
financing activities from...
-$2,033,364K
(-10.56%↓ Y/Y)
Net cash provided by
(used for) financing...
-$4,324K
(89.36%↑ Y/Y)
Canceled cashflow
$3,325,663K
Repayment of securitized
debt obligations of...
$2,416,143K
(58.89%↑ Y/Y)
Repayment of secured
borrowings
$2,285,215K
(5.48%↑ Y/Y)
Repayment of corporate
debt
$247,434K
Repayment of guaranteed
loan financing
$185,089K
(20.64%↑ Y/Y)
Dividend payments
$113,317K
(-45.01%↓ Y/Y)
Common stock
repurchased
$67,596K
(-17.82%↓ Y/Y)
Payment of deferred
financing costs
$29,827K
(144.93%↑ Y/Y)
Repayment of the paycheck
protection program...
$12,300K
(-28.35%↓ Y/Y)
Settlement of share-based
awards in satisfaction...
$2,106K
(70.11%↑ Y/Y)
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Ready Capital Corp (RCB)
Ready Capital Corp (RCB)