What is Ready Capital Corporation's Shariah compliance score?

Ready Capital Corporation's (RC) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Ready Capital Corporation pass AAOIFI screening?

Ready Capital Corporation (RC) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (RC: 2163.8%), (3) interest-bearing deposits below 30% (RC: 91.4%), and (4) prohibited income below 5% (RC: 114.0%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Ready Capital Corporation stock?

Ready Capital Corporation (RC) has a non-permissible income ratio of 113.95%. Muslim investors should purify this percentage of any dividends received and capital gains realized from RC shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Ready Capital Corporation for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Ready Capital Corporation (RC) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about RC's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

RC: Is Ready Capital Corporation Halal?

Ready Capital Corporation

NYSEReal EstateUS

$1.64

+1.23%

Market Cap: 271.0M

Compliance Status

Not Halal

Screened on Jul 17, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Ready Capital Corporation (RC) halal? Not Halal. Based on AAOIFI screening, Ready Capital Corporation has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

2163.8% of 30.0% limit

What this means for you

Most scholars advise not holding RC

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Ready Capital Corporation

Ready Capital Corporation is a U.S.-based entity primarily engaged in the real estate finance sector. Its business activities encompass the procurement, generation, administration, servicing, and funding of various loan types, including commercial loans of small to moderate value (SBC loans), those guaranteed by the Small Business Administration (SBA loans), and residential mortgages. Additionally, it deals in mortgage-backed securities, predominantly supported by SBC loans or other property-linked financial instruments. The organization conducts its operations through three distinct divisions: SBC Lending and Acquisitions: This division, leveraging its subsidiary ReadyCap Commercial, LLC, creates SBC loans. These loans are typically collateralized by investor properties, whether stable or undergoing transition, and are sourced via multiple origination avenues. Small Business Lending: Operating through ReadyCap Lending, LLC, this segment focuses on the acquisition, generation, and servicing of owner-occupied loans. These are secured by guarantees from the SBA, specifically under its Section 7(a) Program. Residential Mortgage Banking: Via its subsidiary GMFS, LLC, this division is responsible for initiating residential mortgage loans. For federal income tax considerations, the company holds the designation of a real estate investment trust (REIT). Consequently, it typically avoids federal corporate income taxation, provided it disburses a minimum of 90% of its taxable earnings to its shareholders. Historically, the firm operated as Sutherland Asset Management Corporation before adopting the name Ready Capital Corporation in September 2018. Established in 2007, its main office is situated in New York City, New York.

Sector: Real Estate · Industry: REIT - Mortgage

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 17, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: REIT - Mortgage

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Real Estate

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

HBNBA+

Hotel101 Global Holdings Corp. Class A Ordinary Shares

$5.85

+2.82%

GMREA+

Global Medical REIT Inc.

$35.74

-1.24%

MLPA+

Maui Land & Pineapple Company, Inc.

$17.21

+3.86%

NNNA+

NNN REIT, Inc.

$49.22

+3.80%

AHRA+

American Healthcare REIT, Inc.

$53.84

-1.43%

More Real Estate Stocks

PLD

Prologis, Inc.

B+

PSA

Public Storage

DLR

Digital Realty Trust, Inc.

Realty Income Corporation

SPG

Simon Property Group, Inc.

WELL

Welltower Inc.

Free · No credit card required

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Frequently Asked Questions

Is Ready Capital Corporation (RC) halal to invest in?

Ready Capital Corporation (RC) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Ready Capital Corporation get a F compliance rating?

Ready Capital Corporation (RC) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 2163.8% (limit 30%); interest-bearing deposits of 91.4% (limit 30%); prohibited income of 113.95% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Ready Capital Corporation's Shariah verdict?

Ready Capital Corporation's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Ready Capital Corporation re-screened for Shariah compliance?

Ready Capital Corporation (RC) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 17, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.