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Sep 30, 2024

Ready Capital Q3 2024 Earnings Report

Ready Capital reported a net loss and a distributable loss per common share for Q3 2024, but demonstrated efforts to reposition underperforming loans and achieved record growth in the Small Business Lending business.

Key Takeaways

Ready Capital Corporation reported a GAAP loss per common share of $(0.07) and a distributable earnings per common share of $(0.28) for the third quarter of 2024. However, distributable earnings per common share before realized losses was $0.25, and the company saw record growth in its Small Business Lending business.

Lower-to-Middle Market originations totaled $246 million.

Small Business Lending loan originations reached a record $440 million, including $355 million of Small Business Administration 7(a) loans.

Net book value was $12.59 per share of common stock as of September 30, 2024.

A dividend of $0.25 per share was declared and paid.

Total Revenue
$178M
Previous year: $306M
-42.0%
EPS
-$0.28
Previous year: $0.28
-200.0%
Adjusted net book value
$12.6
Previous year: $14.4
-12.7%
Dividend per share
$0.25
Previous year: $0.36
-30.6%
Cash and Equivalents
$181M
Previous year: $182M
-0.3%
Free Cash Flow
-$352K
Total Assets
$11.3B
Previous year: $12.8B
-12.1%

Ready Capital

Ready Capital

Forward Guidance

No specific forward guidance was provided in the earnings report.