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Ready Capital Corp (RCD)
Ready Capital Corp (RCD)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from disposition and pr...
Proceeds from secured borrowings
Proceeds from issuance of securi...
Others
Negative Cash Flow Breakdown
Repayment of secured borrowings
Net income (loss) from continuin...
Origination of loans
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income (loss) from continuing operations
-99,683
-200,087
-232,565
-16,947
Amortization of premiums, discounts, and debt issuance costs, net
18,262
12,054
12,403
6,168
Stock-based compensation
2,483
1,629
797
1,591
Provision for (recovery of) loan losses
21,554
70,907
149,989
37,977
Impairment (recovery) on real estate owned, held for sale
952
-469
15,027
1,862
Depreciation and amortization on real estate owned
1,575
1,576
1,712
1,100
Repair and denial reserve
2,353
354
3,342
469
Paid-in-kind accrued interest
93
708
1,961
3,013
Provision for loan losses on purchased future receivables
-
-
0
0
Valuation allowance, loans held for sale
-2,447
6,557
23,318
-38,761
Net (income) loss of unconsolidated joint ventures, net of distributions
645
1,533
762
7,960
Realized (gains) losses, net
-21,734
-60,401
-10,599
-160,451
Unrealized (gains) losses, net
-3,533
-6,919
-12,709
3,125
Loss on deconsolidation of securitization trust
-2,840
-
-
-
Bargain purchase gain
0
0
-3,013
112,562
Loans, held for sale, net
107,135
596,031
79,353
506,072
Derivative instruments
-1,326
-3,834
927
-539
Assets of consolidated vies (excluding loans, net), accrued interest and due from servicers
2,807
-8,622
-38,927
9,755
Receivable from third parties
-5,964
13,210
-3,236
8,865
Other assets
14,250
-33,634
105,637
6,558
Accounts payable and other accrued liabilities
5,321
3,678
-23,335
-22,632
Net cash provided by operating activities from continuing operations
75,107
590,189
-10,762
434,677
Net cash used for operating activities from discontinued operations
0
0
0
0
Net cash provided by operating activities
75,107
590,189
-10,762
434,677
Origination of loans
72,792
91,261
171,867
120,005
Proceeds from disposition and principal payment of loans
291,857
724,693
546,339
558,512
Funding of investments held to maturity
0
-
0
0
Proceeds from sale and principal payment of mortgage-backed securities
0
3,747
776
-
Funding of real estate, held for sale
474
669
1,402
749
Proceeds from sale of real estate, held for sale
54,864
36,728
14,822
49,431
Investment in unconsolidated joint ventures
3,444
6,484
5,255
8,383
Distributions in excess of cumulative earnings from unconsolidated joint ventures
5,682
2,190
23,433
6,872
Payment of liabilities under participation agreements
0
0
46,775
0
Net cash provided by disposal of discontinued operations
-
-
0
-3,521
Net cash provided by asset acquisitions
-
-
0
4,249
Net cash provided by (used for) business acquisitions
0
0
0
0
Net cash provided by investing activities from continuing operations
275,693
668,944
360,071
493,448
Net cash provided by investing activities from discontinued operations
0
0
0
0
Net cash provided by investing activities
275,693
668,944
360,071
493,448
Proceeds from secured borrowings
200,424
866,664
324,475
325,642
Repayment of secured borrowings
644,751
1,333,647
414,694
953,225
Repayment of the paycheck protection program liquidity facility borrowings
3,834
4,758
1,849
2,317
Proceeds from issuance of securitized debt obligations of consolidated vies
135,657
-
0
-
Repayment of securitized debt obligations of consolidated vies
24,478
649,409
120,316
220,815
Proceeds from corporate debt
-
-
0
-
Proceeds from sale of retained beneficial interests
24,065
-
-
-
Repayment of corporate debt
67,438
116,556
247,434
-
Proceeds from senior secured note
0
0
0
0
Repayment of corporate debt
-
-
-
629
Repayment of convertible note
-
-
0
-
Repayment of guaranteed loan financing
27,553
22,344
38,087
63,510
Payment of deferred financing costs
2,474
3,413
3,887
7,841
Payment of contingent consideration
-
-
0
-
Proceeds from issuance of equity, net of issuance costs
-
-
0
-
Common stock repurchased
0
0
1,875
10,570
Settlement of share-based awards in satisfaction of withholding tax requirements
165
374
142
16
Dividend payments
3,700
3,627
22,601
22,830
Distributions, net
-
-
0
0
Net cash used for financing activities from continuing operations
-414,247
-1,267,464
-294,270
-956,111
Net cash used for financing activities from discontinued operations
0
0
0
0
Net cash used for financing activities
-414,247
-1,267,464
-294,270
-956,111
Net increase (decrease) in cash, cash equivalents, and restricted cash including cash classified within assets held for sale
-63,447
-8,331
55,039
-27,986
Less net increase (decrease) in cash and cash equivalents within assets held for sale
0
0
0
0
Net increase (decrease) in cash, cash equivalents, and restricted cash
-63,447
-8,331
55,039
-27,986
Cash, cash equivalents, and restricted cash beginning balance
241,203
249,534
194,495
182,774
Cash, cash equivalents, and restricted cash ending balance
177,756
-
-
-
Cash paid for interest
151,131
-
-
-
Cash paid (received) for income taxes
160
-
-
-
Loans transferred from loans, held for sale to loans, net
37,270
-
-
-
Loans transferred from loans, net to loans, held for sale
322,952
-
-
-
Loans transferred to real estate owned, held for sale
49,633
-
-
-
Deconsolidation of assets in securitization trusts
26,300
-
-
-
Consolidation of assets in securitization trusts
475,919
-
-
-
Contingent consideration in connection with acquisitions
0
-
-
-
Deconsolidation of borrowings in securitization trusts
22,973
-
-
-
Consolidation of borrowings in securitization trusts
475,919
-
-
-
Shares and op units issued in connection with merger transactions
0
-
-
-
Conversion of op units to common stock
0
-
-
-
Cash and cash equivalents
124,149
-
-
-
Restricted cash
50,182
-
-
-
Cash, cash equivalents, and restricted cash in assets of consolidated vies
3,425
-
-
-
Cash, cash equivalents, and restricted cash ending balance
177,756
241,203
249,534
194,495
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Proceeds from
disposition and principal...
$291,857K
(-71.80%↓ Y/Y)
Loans, held for sale,
net
$107,135K
(113.53%↑ Y/Y)
Proceeds from sale of real
estate, held for sale
$54,864K
(560.06%↑ Y/Y)
Distributions in excess of
cumulative earnings from...
$5,682K
(94.06%↑ Y/Y)
Realized (gains) losses,
net
-$21,734K
(-179.02%↓ Y/Y)
Provision for (recovery
of) loan losses
$21,554K
(121.36%↑ Y/Y)
Amortization of premiums,
discounts, and debt...
$18,262K
(-32.46%↓ Y/Y)
Receivable from third
parties
-$5,964K
(-124.55%↓ Y/Y)
Accounts payable and
other accrued...
$5,321K
(-83.14%↓ Y/Y)
Unrealized (gains) losses,
net
-$3,533K
(-41.38%↓ Y/Y)
Loss on
deconsolidation of...
-$2,840K
Stock-based compensation
$2,483K
(-27.38%↓ Y/Y)
Repair and denial
reserve
$2,353K
(103.20%↑ Y/Y)
Depreciation and
amortization on real estate...
$1,575K
Derivative instruments
-$1,326K
(-233.13%↓ Y/Y)
Impairment (recovery) on
real estate owned,...
$952K
(-85.61%↓ Y/Y)
Net cash provided by
investing activities from...
$275,693K
(-63.03%↓ Y/Y)
Net cash provided by
operating activities from...
$75,107K
(134.81%↑ Y/Y)
Canceled cashflow
$76,710K
Canceled cashflow
$119,925K
Net increase
(decrease) in cash, cash...
-$63,447K
(-259.79%↓ Y/Y)
Net cash provided by
investing activities
$275,693K
(-65.06%↓ Y/Y)
Net cash provided by
operating activities
$75,107K
(815.72%↑ Y/Y)
Origination of loans
$72,792K
(-75.79%↓ Y/Y)
Investment in
unconsolidated joint ventures
$3,444K
(-71.05%↓ Y/Y)
Funding of real estate,
held for sale
$474K
(120.47%↑ Y/Y)
Net income (loss)
from continuing...
-$99,683K
(-396.16%↓ Y/Y)
Other assets
$14,250K
(-86.43%↓ Y/Y)
Assets of consolidated
vies (excluding...
$2,807K
(105.52%↑ Y/Y)
Valuation allowance,
loans held for sale
-$2,447K
(-101.75%↓ Y/Y)
Net (income) loss of
unconsolidated joint ventures,...
$645K
(110.00%↑ Y/Y)
Paid-in-kind accrued
interest
$93K
(-91.13%↓ Y/Y)
Net increase
(decrease) in cash, cash...
-$63,447K
(-739.91%↓ Y/Y)
Canceled cashflow
$350,800K
Net cash used for
financing activities
-$414,247K
(47.38%↑ Y/Y)
Proceeds from secured
borrowings
$200,424K
(-91.60%↓ Y/Y)
Proceeds from issuance of
securitized debt...
$135,657K
Proceeds from sale of
retained beneficial...
$24,065K
Net cash used for
financing activities from...
-$414,247K
(47.09%↑ Y/Y)
Canceled cashflow
$360,146K
Repayment of secured
borrowings
$644,751K
(-29.71%↓ Y/Y)
Repayment of corporate
debt
$67,438K
(-70.87%↓ Y/Y)
Repayment of guaranteed
loan financing
$27,553K
(-67.00%↓ Y/Y)
Repayment of securitized
debt obligations of...
$24,478K
(-98.82%↓ Y/Y)
Repayment of the paycheck
protection program...
$3,834K
(-52.86%↓ Y/Y)
Dividend payments
$3,700K
(-94.55%↓ Y/Y)
Payment of deferred
financing costs
$2,474K
(-86.33%↓ Y/Y)
Settlement of share-based
awards in satisfaction...
$165K
(-91.53%↓ Y/Y)
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