Ready Capital posts Q3 2025 earnings materials; Exhibits 99.1, 99.2

Rhea-AI Filing Summary

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.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549 

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): November 6, 2025

READY CAPITAL CORPORATION

(Exact name of registrant as specified in its charter)

Maryland			001-35808			90-0729143
(State or other jurisdiction			(Commission File Number)			(IRS Employer
of incorporation)						Identification No.)

1251 Avenue of the Americas, 50th Floor
New York, NY 10020

(Address of principal executive offices)
(Zip Code)

Registrant's telephone number, including area code: (212) 257-4600

n/a
(Former name or former address, if changed since last report.) 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

			☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
			☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
			☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
			☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Securities registered pursuant to Section 12(b) of the Exchange Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, $0.0001 par value per share			RC			New York Stock Exchange
Preferred Stock, 6.25% Series C Cumulative Convertible, par value $0.0001 per share			RC PRC			New York Stock Exchange
Preferred Stock, 6.50% Series E Cumulative Redeemable, par value $0.0001 per share			RC PRE			New York Stock Exchange
6.20% Senior Notes due 2026			RCB			New York Stock Exchange
5.75% Senior Notes due 2026			RCC			New York Stock Exchange
9.00% Senior Notes due 2029			RCD			New York Stock Exchange

Item 2.02. Results of Operations and Financial Condition

On November 6, 2025, Ready Capital Corporation (the “Company”) issued an earnings release announcing the financial results for the quarter ended September 30, 2025. A copy of the earnings release is attached as Exhibit 99.1 hereto and incorporated herein by reference.

On November 6, 2025, the Company posted supplemental financial information on the Investor Relations section of its website (www.readycapital.com). A copy of the supplemental financial information is furnished as Exhibit 99.2 hereto and incorporated herein by reference.

The information in Item 2.02 of this Current Report, including Exhibits 99.1 and 99.2, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, unless it is specifically incorporated by reference therein.

Item 9.01 Financial Statements and Exhibits

 (d) Exhibits 

Exhibit No.						Description
99.1						Earnings Release, dated November 6, 2025
99.2						Supplemental Financial Information for the quarter ended September 30, 2025
104						Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			READY CAPITAL CORPORATION
			By:			/s/ Andrew Ahlborn
						Name:  Andrew Ahlborn
						Title:   Chief Financial Officer

Date: November 6, 2025

FAQ

What did Ready Capital (RC) announce in this 8-K?

The company furnished an earnings release for the quarter ended September 30, 2025 and posted supplemental financial information.

Where can I find the detailed Q3 2025 materials for RC?

They are available as Exhibit 99.1 (earnings release) and Exhibit 99.2 (supplemental information), and on the investor relations site at www.readycapital.com.

How is the information in this 8-K treated under the Exchange Act?

The Item 2.02 information, including Exhibits 99.1 and 99.2, is being furnished and not deemed filed for purposes of Section 18.

What reporting period does the RC update cover?

It covers the quarter ended September 30, 2025.

Which exhibits were included with this RC 8-K?

Exhibit 99.1 (Earnings Release), Exhibit 99.2 (Supplemental Financial Information), and Exhibit 104 (Cover Page Inline XBRL).

Which RC securities are listed on the NYSE?

Common Stock (RC); Preferred C (RC PRC); Preferred E (RC PRE); 6.20% Notes 2026 (RCB); 5.75% Notes 2026 (RCC); 9.00% Notes 2029 (RCD).

What is the date of the RC earnings announcement?

November 6, 2025.