Welcome to our dedicated page for Ready Capital SEC filings (Ticker: RC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Ready Capital Corporation (NYSE: RC), a Maryland-incorporated, multi-strategy real estate finance REIT focused on lower-to-middle-market commercial real estate and small business lending. Through these filings, investors can review the company’s official financial statements, risk disclosures, governance information, and material event reports.
Ready Capital’s annual reports on Form 10-K and quarterly reports on Form 10-Q contain audited and interim financial statements, segment information related to lower-to-middle-market commercial real estate and Small Business Lending, details on mortgage-backed securities and securitizations, and discussions of credit risk, funding sources, and REIT tax considerations. These filings also describe how the company defines and uses non-GAAP measures such as distributable earnings alongside GAAP net income.
The company’s current reports on Form 8-K include earnings releases, investor presentations, and information about stockholder votes at annual meetings. For example, Ready Capital has filed 8-Ks to furnish quarterly earnings releases, to provide investor presentation materials, and to report the results of stockholder votes on director elections, advisory votes on executive compensation, and the frequency of future advisory votes.
Ready Capital’s SEC filings also list its registered securities, including common stock, 6.25% Series C Cumulative Convertible Preferred Stock, 6.50% Series E Cumulative Redeemable Preferred Stock, and senior notes with stated coupon rates and maturities. These disclosures help investors understand the company’s capital structure, debt obligations, and preferred equity.
On Stock Titan, filings are updated as they are made available on EDGAR, and AI-powered tools can help summarize lengthy documents such as 10-Ks, 10-Qs, and 8-Ks. Users can quickly identify key items, such as changes in distributable earnings definitions, updates to risk factors, or new financing transactions, and can review Ready Capital’s regulatory history, including governance decisions like the frequency of advisory votes on executive compensation.
Ready Capital Corp and the New York Stock Exchange are removing the company’s 5.75% Senior Notes due 2026 from listing and registration under Section 12(b) of the Securities Exchange Act of 1934.
The NYSE certifies it has followed its own rules to strike this class of notes from listing, and the issuer has complied with the exchange’s rules and SEC requirements governing the voluntary withdrawal of this security from the exchange.
The Vanguard Group reports beneficial ownership of 8,607,299 shares of Ready Capital Corp common stock, representing 5.3% of the class as of 12/31/2025. Vanguard has shared voting power over 1,153,609 shares and shared dispositive power over all 8,607,299 shares, with no sole voting or dispositive power.
Vanguard states the securities are held in the ordinary course of business and not for the purpose of changing or influencing control of Ready Capital. It notes an internal realignment effective 01/12/2026, after which certain subsidiaries or business divisions may report beneficial ownership separately while pursuing the same investment strategies.
BlackRock, Inc. has filed an amended ownership report showing it beneficially owns 13,045,875 shares of Ready Capital Corporation common stock, representing 8.0% of the class as of the event date. BlackRock reports sole voting power over 12,690,943 shares and sole dispositive power over 13,045,875 shares, with no shared voting or dispositive power.
The filing explains that these holdings are aggregated across certain BlackRock business units, while other units’ holdings are disaggregated. Various underlying clients and investors have the right to receive dividends or sale proceeds from Ready Capital shares, but no single person has more than 5% of the outstanding common stock. BlackRock certifies that the shares are held in the ordinary course of business and not for the purpose of changing or influencing control of Ready Capital.
Howard Amster and affiliated entitiesReady Capital Corp (RC), reporting beneficial ownership of 14,242,965 shares, or 8.8% of the common stock. The percentage is based on 162,126,276 shares outstanding as of November 6, 2025. Amster reports 13,227,973 shares with sole voting and dispositive power and 1,014,992 shares with shared voting and dispositive power.
The filing lists recent open‑market purchases over the past 60 days across multiple affiliated entities. Notable trades include 611,526 shares at $2.89 on 11/07/25 (2019 CRUT #1), 342,000 shares at $2.89 on 11/07/25 (Howard Amster), 170,000 shares at $2.89 on 10/31/25, and 150,000 shares at $3.05 on 10/30/25. Earlier buys included 387,450 shares at $4.34 on 09/16/25 and 128,000 shares at $4.29 on 09/17/25. All transactions were conducted on the open market, with per‑day prices shown as weighted averages.
Ready Capital Corporation filed its Q3 2025 10‑Q, detailing a smaller balance sheet and mixed operating results. Total assets were $8.33 billion, down from $10.14 billion at year‑end, as loans, net reached $4.36 billion and real estate owned rose to $632.99 million. Cash and cash equivalents were $147.51 million.
On the income side, for the quarter ended September 30, 2025, interest income was $137.49 million and interest expense was $126.97 million, yielding net interest income of $10.52 million before credit costs. A $37.98 million provision for loan losses turned net interest income after provision to a loss of $27.46 million. Results were heavily influenced by fair‑value and portfolio actions: valuation recovery on loans held for sale was $178.23 million, offset by a $160.40 million net realized loss on financial instruments and real estate owned. The quarter also included a $24.47 million gain on bargain purchase.
Liability mix shifted with securitized debt of consolidated VIEs at $1.29 billion (from $3.58 billion) and senior secured notes at $721.15 million. Corporate debt stood at $666.62 million. Stockholders’ equity was $1.88 billion. Shares outstanding were 162,126,276 as of November 6, 2025.
Ready Capital Corporation furnished an update on its latest results. The company announced an earnings release for the quarter ended September 30, 2025 and posted supplemental financial information on its investor relations website. Copies are provided as Exhibit 99.1 (earnings release) and Exhibit 99.2 (supplemental data). The information under Item 2.02 is being furnished and not deemed filed under the Exchange Act.
Ready Capital Corporation amended a prior report to disclose its chosen frequency for executive pay advisory votes. Following the shareholder advisory vote and the Board of Directors’ recommendation at the Annual Meeting held on June 25, 2025, the company determined it will hold Say‑on‑Pay votes every year until the next required advisory vote on frequency.
Ready Capital Corporation (RC) presents an amended annual report describing a diversified real estate finance platform focused on lower-to-middle-market (LMM) commercial real estate loans and government-guaranteed small business and USDA loans. The filing discloses that the Residential Mortgage Banking segment is classified as held for sale and presented as discontinued operations. As of June 30, 2024 the market value of RC common stock held by non-affiliates was $1,313.4 million, and 163,151,086 shares were outstanding as of February 28, 2025. Book value grew from $536 million at year-end 2017 to approximately $1.9 billion at December 31, 2024 (22% CAGR). Consolidated leverage was reported at 3.8x with recourse leverage of 1.3x (LMM 0.4x; Small Business Lending 0.1x). The filing details an expected merger with UDF IV where UDF IV shareholders would receive ~12.8 million RC shares (implied value ~$94 million or $3.07 per UDF IV share) and ~0.416 contingent value rights per UDF IV share, with closing targeted in H1 2025.
Ready Capital Corporation filed a current report to share that its management team is giving an investor presentation beginning the week of September 8, 2025. The company attached the slide deck as Exhibit 99.1 and made it available as part of this disclosure.
The presentation is furnished under Regulation FD, meaning it is intended to provide broad, fair disclosure to investors but is not treated as filed financial information and is not automatically incorporated into other securities filings.
Amendment No. 1 to Schedule 13D reports that Howard Amster and affiliated entities are the beneficial owners of 11,615,200 shares of Ready Capital Corp common stock, representing 7.1% of the outstanding shares based on a 164,327,272-share denominator. The filing amends an initial Schedule 13D and discloses numerous open-market purchases between July 29, 2025 and August 27, 2025, including large blocks such as 690,000 and 684,000 shares, with purchase prices shown in the filing in the ~$4.18–$4.44 range. The cover pages allocate sole and shared voting and dispositive power across Mr. Amster and multiple trusts, partnerships and entities, and state that, other than the reporting persons, no one else is known to have rights to dividends or sale proceeds from these shares.