Ready Capital CorpRC

時価総額

$4.2億

PER

中小・LMM商業不動産向けのSBA、住宅、建設ローン等の不動産金融の大手。LaaS・LenderAIを活用したローン組成プラットフォームを展開。2024年7月1日にFundingCircleを約4,131万ドルで買収、6月5日にMadisonOneを約3,287万ドルで買収。米国中心に展開。

概要財務

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	2013年 12月31日	2014年 12月31日	2015年 12月31日	2016年 12月31日	2017年 12月31日	2018年 12月31日	2019年 12月31日	2020年 12月31日	2021年 12月31日	2022年 12月31日	2023年 12月31日	2024年 12月31日
Net income (loss)	8	30	-1,419,277	53	46	61	75	46	160	203	348	-430
Net income (loss) from discontinued operations, net of tax	-	-	-	-	-	-	-	-	-	-	-3	-18
Net income (loss) from continuing operations	-	-	-	56	46	61	-	-	-	-	351	-412
Amortization of Debt Issuance Costs and Discounts	-	-	-	-	-	-	14	34	-24	3	67	53
Stock-based compensation	-	-	-	-	-	-	-	-	7	8	8	8
Provision for loan losses	-	-	-	8	2	2	4	35	8	34	7	293
Impairment of Real Estate	-	-	-	-	-	-	1	4	2	4	9	57
Repair and denial reserve (recovery)	-	-	-	-	-	-0	-0	4	10	-9	-4	0
Paid-in-kind accrued interest	-	-	-	-	-	-	-	-	-	-	-	78
Provision for loan losses on purchased future receivables	-	-	-	-	-	-	5	12	1	3	9	2
Loans, held for sale, net	-	-	-	-	-	2,587	2,629	5,153	5,475	281	18	326
Loan Held for Sale, Valuation Allowance	-	-	-	-	-	-	-	-	-	-	-	125
Net income (loss) of unconsolidated joint ventures, net of distributions	-	-	-	-	-	-1	6	2	-1	9	-3	8
Realized (gains) losses, net	-	-	-	-	-	-	102	263	183	61	66	-54
Unrealized (gains) losses, net	-	-	-	-	-	-	-19	-52	43	70	9	-15
Bargain purchase gain	-	-	-	-	-	-	-	-	-	-	-	14
Derivative instruments	-	-	-	-	-	-	-	-	63	-57	-12	-5
Assets of consolidated VIEs (excluding loans, net), accrued interest and due from servicers	-	-	-	-	-	12	21	-12	-6	32	28	61
Receivable from third parties	-	-	-	-	-0	2	-8	0	-10	-14	21	-2
Other assets	1	-559,791	-1,614,564	13	14	-1	26	-17	7	5	92	59
Accounts payable and other accrued liabilities	-	-	-	10	9	0	25	43	30	-58	56	-22
Net cash provided by operating activities from continuing operations	8	-4,689,880	-23,081,128	16	352	140	-	-	-	-	101	286
Cash Provided by (Used in) Operating Activities, Discontinued Operations	-	-	-	-2	-	-	-	-	-	-	-50	-12
Net cash provided by operating activities	-	-	-	-	-	-	-52	69	-34	359	51	275
Origination of loans	-	-	-	-	-	935	1,307	775	3,826	3,303	1,005	826
Purchase of loans	-	-	-	99	147	369	739	243	142	678	-	-
Proceeds from disposition and principal payment of loans	-	-	-	-	-	746	827	961	977	1,475	1,780	2,274
Funding of investments held to maturity	-	-	-	-	-	-	-	-	-	6	0	-
Proceeds from Sale and Maturity of Held-to-Maturity Securities	-	-	-	-	-	-	-	-	-	27	-	-
Proceeds from sale and principal payment of mortgage-backed securities	-	-	-	297	10	30	14	12	2,016	62	8	-
Funding of real estate, held for sale	-	-	-	-	-	-	-	-	-	11	12	1
Proceeds from Sale, Property, Held-for-Sale	-	-	-	-	5	2	19	17	42	8	78	67
Investment in unconsolidated joint ventures	-	-	-	-	54	-	27	24	60	122	25	33
Proceeds from Equity Method Investment, Distribution, Return of Capital	-	-	-	-	-	21	16	5	18	29	8	14
Payment of liabilities under participation agreements	-	-	-	2	1	1	-	-	-	19	9	15
Net cash provided by (used for) business acquisitions	-	50	-	-	-	-	16	-	12	-124	-39	44
Net cash provided by (used for) investing activities from continuing operations	-386,813,283	-31,482,246	46	385	-242	-	-	-	-	-	1,021	1,435
Cash Provided by (Used in) Investing Activities, Discontinued Operations	-	-	-	-	-	-	-	-	-	-	-2	100
Net cash provided by (used for) investing activities	-	-	-	-	-	-581	-1,213	-59	-1,718	-1,556	1,019	1,535
Proceeds from Lines of Credit	-	-	-	164	4,556	3,604	5,399	6,871	12,201	10,317	4,127	2,102
Repayment of secured borrowings	-	-	-	155	4,852	3,407	5,087	6,692	12,759	10,054	4,692	2,167
Repayment of the Paycheck Protection Program Liquidity Facility borrowings	-	-	-	-	-	-	-	-	1,434	740	165	17
Proceeds from issuance of securitized debt obligations of consolidated VIEs	-	-	-	-	-	608	1,396	495	1,993	2,387	1,121	-
Repayment of securitized debt obligations of consolidated VIEs	-	-	-	-	-	298	477	441	673	676	977	1,521
Proceeds from corporate debt	-	-	-	-	-	50	-	-	304	220	-	126
Proceeds from senior secured note	-	-	-	-	-	-	-	-	350	-	-	92
Repayment of convertible note	-	-	-	-	-	-	-	-	-	-	115	-
Repayment of guaranteed loan financing	-	-	-	-	-	75	35	102	70	109	154	153
Payment of deferred financing costs	-	-	-	1	17	19	28	13	47	44	32	12
Payment of contingent consideration	-	-	-	-	-	9	1	-	-	9	9	-
Proceeds from Issuance of Common Stock	119	-	-	-	-	0	91	13	165	123	0	-
Common stock repurchased	-	-	-	0	-	-	-	11	-	37	18	82
Settlement of share-based awards in satisfaction of withholding tax requirements	-	-	-	-	-	-	-	-	1	6	4	1
Dividend payments	-	-	-	47	48	51	63	57	112	188	215	206
Distributions, net	-	-	-	-	-	-	0	-0	-0	-14	-0	-0
Net cash provided by (used for) financing activities from continuing operations	417	13	-35,852,525	-381	-	-	-	-	-	-	-1,133	-1,839
Cash Provided by (Used in) Financing Activities, Discontinued Operations	-	-	-	-	-	-	-	-	-	-	48	-41
Net cash provided by (used for) financing activities	-	-	-	-	-106	444	1,298	63	1,876	1,171	-1,085	-1,880
Net decrease in cash, cash equivalents, and restricted cash including cash classified within assets held for sale	-	-	-	-	-	-	-	-	-	-	-	-70
Less: Net increase (decrease) in cash and cash equivalents within assets held for sale	-	-	-	-	-	-	-	-	-	-	-	10
Net decrease in cash, cash equivalents, and restricted cash	-	-	-	-	-	-	-	-	-	-	-	-80
Cash paid for interest	-	-	-	-	62	96	126	156	186	355	661	659
Income Taxes Paid, Net	-	-	-	-	-	-	-3	-8	13	29	2	-12
Loans transferred from loans, held for sale to loans, net	-	-	-	-	0	1	1	1	-	4	69	13
Loans transferred from loans, net to loans, held for sale	-	-	-	-	-	1	-	-	1	3	4	729
Consolidation of assets in securitization trusts	-	-	-	-	-	-	463	-	-	-	689	-
Real Estate Owned, Transfer to Real Estate Owned	-	-	-	-	-	-	-	11	9	2	57	87
Investments held to maturity transferred to real estate owned	-	-	-	-	-	-	-	-	-	30	-	-
Common Stock Issued During Period, Acquisitions, Value	-	-	-	-	-	-	-	-	240	458	637	-
Retirement of OP units	-	-	-	-	-	-	-	-	-	2	-	-
Consolidation of borrowings in securitization trusts	-	-	-	-	-	-	463	-	-	-	689	-
Stock Issued, Conversion of OP units	-	-	-	-	-	-	-	-	-	-	3	4