About Ready Capital Corporation 5.75% (RCC) — Dividend Analysis 2026
Ready Capital Corp. is a real estate finance company, which engages in acquiring, managing, and financing small balance commercial loans. It operates through the following segments: SBC Lending and Acquisitions, Small Business Lending, and Residential Mortgage Banking. The SBC Lending and Acquisitions segment is involved in the SBC loans across the full life-cycle of an SBC property including construction, bridge, stabilized, and agency loan origination channels through wholly-owned subsidiary, ReadyCap Commercial, LLC. The Small Business Lending segment acquires, originates, and services owner-occupied loans guaranteed by the SBA under its SBA Section 7(a) Program through wholly-owned subsidiary, ReadyCap Lending, LLC. The Residential Mortgage Banking segment focuses on the residential mortgage loan origination segment through wholly-owned subsidiary, GMFS, LLC. The company was founded in November 2011 and is headquartered in New York, NY.
Is RCC a good dividend investment in 2026?
RCC offers a 5.74% forward yield with a 50% payout ratio. Strand Safety Score: 45/100 (Moderate Risk). The 5-year dividend CAGR of -34.9% is modest — investors should weigh current income against growth alternatives.
RCC DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your RCC portfolio grows to $137.85 vs $1.1K without reinvestment. This is the compound interest effect in action.
RCC dividend growth history & forecast
RCC has grown its dividend by 0% over the last year and -34.9% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 5.74%.
Company generates negative FCF ($-203M) — borrowing to pay dividends
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum-0.2B → -0.4B → +0.3B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
45
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 RCC Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold RCC.
Gross yield
5.74%
Tax rate
15.00%
After-tax yield
4.88%
Real yield (−CPI)
2.08%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
5.74%
2.94%
$574 / yr
🇺🇸 US Taxable (15%) ✓
15%
4.88%
2.08%
$488 / yr
🇺🇸 US Taxable (20%)
20%
4.59%
1.79%
$459 / yr
🇬🇧 UK ISA
0%
5.74%
2.94%
$574 / yr
🇬🇧 UK Taxable
8.75%
5.24%
2.44%
$524 / yr
🇨🇦 TFSA
0%
5.74%
2.94%
$574 / yr
🇨🇦 CA Taxable
25%
4.30%
1.50%
$431 / yr
🇦🇺 Super (pension)
15%
4.88%
2.08%
$488 / yr
🇦🇺 AU Taxable
30%
4.02%
1.22%
$402 / yr
🇩🇪 DE Taxable
26.375%
4.23%
1.43%
$423 / yr
🇫🇷 FR Taxable
30%
4.02%
1.22%
$402 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 RCC Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your RCC investment of $25.04/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$1.1K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$-1345.75
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in RCC for:
Shares needed
19,642
Capital required
$491,836
Monthly income
$2,000
Based on current dividend of $1.44/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 RCC Dividend Payment Schedule
RCC pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$3.05 / payment
$12.22 / year after tax
100 shares
$30.55 / payment
$122.19 / year after tax
1,000 shares
$305.48 / payment
$1221.91 / year after tax
📊 RCC vs Real Estate Benchmarks
How RCC compares to typical Real Estate averages.
Benchmark: Real Estate
Dividend Yield▲+0.54% vs sectorBetter
RCC
5.74%
avg
5.20%
5Y Dividend CAGR▼-39.00% vs sectorBelow avg
RCC
-34.90%
avg
4.10%
Payout Ratio▲-28.00% vs sectorBetter
RCC
50.00%
avg
78.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for RCC sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ RCC Insider Activity
No recent SEC filings reported in the last 90 days.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the RCC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →