Ready Capital Corp 是一家知名的房地产投资信托基金（REIT），专注于发起、收购、融资和服务中低市场商业房地产贷款、小企业管理局贷款、建设贷款和抵押贷款支持证券，已发布其第三季度的 10-Q 报告。报告显示财务表现显著改善和战略业务扩展，突显了公司在挑战性经济环境中的韧性和增长。
财务亮点
<ul>
<li>利息收入：4.452 亿美元，较去年 6.93 亿美元有所下降，主要由于利率降低和贷款余额减少。</li>
<li>净利息收入（扣除贷款损失准备）：4190 万美元，低于去年 1.505 亿美元，受到贷款损失准备金显著影响。</li>
<li>持续经营的净收入（亏损）：1670 万美元，较去年亏损 1.145 亿美元有所改善，表明财务表现改善。</li>
<li>净收入（亏损）：1160 万美元，较去年亏损 1.156 亿美元实现扭转，得益于特价购买和估值恢复的收益。</li>
<li>归属于 Ready Capital Corporation 的净亏损：70 万美元，较去年亏损 1.256 亿美元显著改善。</li>
<li>持续经营的每股基本收益：0.02 美元，较去年每股亏损 0.74 美元有所改善，反映出收益改善。</li>
<li>每股总收益 - 基本：-0.01 美元，较去年每股亏损 0.75 美元有所改善，表明整体亏损减少。</li>
</ul>
业务亮点
<ul>
<li>收入细分：公司在多个细分市场运营，包括中低市场商业房地产贷款、小企业管理局贷款、建设贷款和抵押贷款支持证券。每个细分市场都为整体收入做出贡献，重点在于发起、收购、融资和服务这些贷款。</li>
<li>地域表现：公司继续在各个地区扩展业务，专注于为住宅房地产开发商和区域房屋建筑商提供资本解决方案。收购 United Development Funding IV 增强了其在住宅房地产市场的存在。</li>
<li>销售单位：公司在贷款发起和服务方面活动显著，特别是在小企业贷款领域，通过收购 Funding Circle 增强了其能力。这项收购提升了公司发起和服务小企业贷款的能力，促进了该细分市场销售单位的增加。</li>
<li>新产品发布：将 Funding Circle 的贷款发起服务平台与公司现有产品整合，扩展了其产品组合，提高了小企业贷款市场的服务交付能力。</li>
<li>未来展望：公司仍专注于保持其作为房地产投资信托基金的地位，分配的股息至少等于其应税收入的 90%。公司继续探索战略收购和合作伙伴关系，以增强其市场地位和运营能力。</li>
</ul>
SEC 文件：Ready Capital Corp [ RC ] - 10-Q -2025 年 11 月 07 日

Ready Capital Corp 是一家房地产投资信托公司，发布了其第三季度 10-Q 表格报告，显示出尽管面临挑战，财务表现有所改善。主要亮点包括利息收入为 4.452 亿美元，净收入为 1670 万美元，与去年相比损失显著减少。该公司正在扩大在各个地区的业务，并增强其产品供应，特别是通过收购 Funding Circle 来提供小企业贷款。Ready Capital 旨在通过分配股息和探索战略收购来维持其 REIT 身份

Ready Capital Corp, a prominent real estate investment trust (REIT) specializing in originating, acquiring, financing, and servicing lower-to-middle-market commercial real estate loans, Small Business Administration loans, construction loans, and mortgage-backed securities, has released its Form 10-Q report for the third quarter. The report reveals significant improvements in financial performance and strategic business expansions, underscoring the company's resilience and growth in a challenging economic environment.
<div class="lb-trans">Ready Capital Corp 是一家知名的房地产投资信托基金（REIT），专注于发起、收购、融资和服务中低市场商业房地产贷款、小企业管理局贷款、建设贷款和抵押贷款支持证券，已发布其第三季度的 10-Q 报告。报告显示财务表现显著改善和战略业务扩展，突显了公司在挑战性经济环境中的韧性和增长。
</div>Financial Highlights
<div class="lb-trans">财务亮点
</div><ul>
<li>Interest Income: $445.2 million, reflecting a decrease from the previous year's $693.0 million, primarily due to lower interest rates and reduced loan balances.</li>
<li>Net Interest Income Before (Provision for) Recovery of Loan Losses: $41.9 million, down from $150.5 million in the prior year, impacted by a significant provision for loan losses.</li>
<li>Net Income (Loss) from Continuing Operations: $16.7 million, compared to a loss of $114.5 million in the previous year, indicating improved financial performance.</li>
<li>Net Income (Loss): $11.6 million, a turnaround from a loss of $115.6 million in the prior year, driven by gains from bargain purchases and valuation recoveries.</li>
<li>Net Loss Attributable to Ready Capital Corporation: $(0.7) million, showing a significant improvement from a loss of $125.6 million in the previous year.</li>
<li>Earnings Per Common Share from Continuing Operations - Basic: $0.02, compared to a loss of $(0.74) per share in the prior year, reflecting improved earnings.</li>
<li>Total Earnings Per Common Share - Basic: $(0.01), an improvement from a loss of $(0.75) per share in the previous year, indicating a reduction in overall losses.</li>
</ul>
<div class="lb-trans"><ul>
<li>利息收入：4.452 亿美元，较去年 6.93 亿美元有所下降，主要由于利率降低和贷款余额减少。</li>
<li>净利息收入（扣除贷款损失准备）：4190 万美元，低于去年 1.505 亿美元，受到贷款损失准备金显著影响。</li>
<li>持续经营的净收入（亏损）：1670 万美元，较去年亏损 1.145 亿美元有所改善，表明财务表现改善。</li>
<li>净收入（亏损）：1160 万美元，较去年亏损 1.156 亿美元实现扭转，得益于特价购买和估值恢复的收益。</li>
<li>归属于 Ready Capital Corporation 的净亏损：70 万美元，较去年亏损 1.256 亿美元显著改善。</li>
<li>持续经营的每股基本收益：0.02 美元，较去年每股亏损 0.74 美元有所改善，反映出收益改善。</li>
<li>每股总收益 - 基本：-0.01 美元，较去年每股亏损 0.75 美元有所改善，表明整体亏损减少。</li>
</ul>
</div>Business Highlights
<div class="lb-trans">业务亮点
</div><ul>
<li>Revenue Segments: The company operates in multiple segments, including lower-to-middle-market commercial real estate loans, Small Business Administration loans, construction loans, and mortgage-backed securities. Each segment contributes to the overall revenue, with a focus on originating, acquiring, financing, and servicing these loans.</li>
<li>Geographical Performance: The company continues to expand its operations across various regions, focusing on providing capital solutions to residential real estate developers and regional homebuilders. The acquisition of United Development Funding IV has strengthened its presence in the residential real estate market.</li>
<li>Sales Units: The company has seen significant activity in loan origination and servicing, particularly in the small business loan sector through its acquisition of Funding Circle. This acquisition has enhanced the company's ability to originate and service small business loans, contributing to increased sales units in this segment.</li>
<li>New Product Launches: The integration of Funding Circle's loan origination servicing platform with the company's existing offerings has expanded its product portfolio, allowing for enhanced service delivery in the small business loan market.</li>
<li>Future Outlook: The company remains focused on maintaining its status as a real estate investment trust by distributing dividends equal to at least 90% of its taxable income. It continues to explore strategic acquisitions and partnerships to enhance its market position and operational capabilities.</li>
</ul>
<div class="lb-trans"><ul>
<li>收入细分：公司在多个细分市场运营，包括中低市场商业房地产贷款、小企业管理局贷款、建设贷款和抵押贷款支持证券。每个细分市场都为整体收入做出贡献，重点在于发起、收购、融资和服务这些贷款。</li>
<li>地域表现：公司继续在各个地区扩展业务，专注于为住宅房地产开发商和区域房屋建筑商提供资本解决方案。收购 United Development Funding IV 增强了其在住宅房地产市场的存在。</li>
<li>销售单位：公司在贷款发起和服务方面活动显著，特别是在小企业贷款领域，通过收购 Funding Circle 增强了其能力。这项收购提升了公司发起和服务小企业贷款的能力，促进了该细分市场销售单位的增加。</li>
<li>新产品发布：将 Funding Circle 的贷款发起服务平台与公司现有产品整合，扩展了其产品组合，提高了小企业贷款市场的服务交付能力。</li>
<li>未来展望：公司仍专注于保持其作为房地产投资信托基金的地位，分配的股息至少等于其应税收入的 90%。公司继续探索战略收购和合作伙伴关系，以增强其市场地位和运营能力。</li>
</ul>
</div>SEC Filing: Ready Capital Corp [ RC ] - 10-Q - Nov. 07, 2025
<div class="lb-trans">SEC 文件：Ready Capital Corp [ RC ] - 10-Q -2025 年 11 月 07 日
</div>

Ready Capital Corp 的 SEC 10-Q 报告