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Rithm Capital Corp.
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NYSE: RITM Real Estate IT 🔎 Screen
🏹 Trader: 🎯 Near 52W High View all →
$5.5B
Market Cap
10.5
P/E
1.63
PEG
—
ROCE
8.4%
ROE
2.33
D/E
—
OPM
-11.9%
% from 52W High
39
α RS
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🌏 Global Investor Returns
Currency-adjusted total returns for RITM including FX impact
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📈 Price History
Ratio Health
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— Poor
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About

Rithm Capital Corp. operates as an asset manager focused on real estate, credit, and financial services in the United States.

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3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
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📊 MIXED Diversified asset manager with $110B+ assets, 17% ROE in Q1 2026
Revenue & Profitability
First quarter 2026 earnings available for distribution (EAD) were $289.6 million or $0.51 per diluted share, delivering a 17% return on equity. GAAP net income was $67.8 million ($0.12 per share, 4% ROE). Book value stood at $7 billion or $12.51 per share. Newrez contributed $274 million in pre-tax income (excluding mark-to-market) with a 19% ROE. Genesis Capital generated record production of $1.6 billion in the quarter and is expected to produce $6.5-$7 billion for the full year, with EBITDA between $150 million and $175 million.
Outlook
Management sees opportunity in current private credit market dislocations, which they view as sentiment-driven and not systemic, with no deterioration in their credit exposure. The consumer remains healthy based on their 4 million mortgage customers. Office markets in NYC (92% leased) and San Francisco (strongest leasing since 2019) are benefiting from a flight to quality and AI-driven demand. The firm notes that securitization markets remain robust and that debt returns look attractive relative to equity at current rate levels.
Growth Drivers
Key growth levers include expanding the asset management business through Sculptor and Crestline, particularly in ABF (asset-based finance) and direct lending; growing Genesis Capital's multifamily originations (currently 35-40% of production); and leveraging technology in Newrez to reduce servicing costs and improve margins. Elecor's capital improvement plan for four key office assets and potential JV partnerships (e.g., on 1301 Avenue of the Americas) are expected to drive rent growth and occupancy gains.
Balance Sheet & CapEx
Not discussed in this earnings call with a formal CapEx guidance figure. However, the company highlighted a growth-focused capital improvement strategy for four core office assets (1633 Broadway, 712 Fifth Avenue, One Market Plaza, One Front Street) involving lobby redesigns, amenity spaces, and elevator upgrades. Additionally, the firm invested $3 billion in mortgage assets during the quarter, including $1.4 billion in non-QM loans and $1.6 billion in residential transitional loans.
Margins
Newrez's cost per loan is already nearly half the industry average, with a targeted additional 15% reduction from current run rate. The transition to the Valon servicing platform is expected to reduce direct cost per loan by 15% to $93, enabling over $65 million in annual expense savings. Gain-on-sale margins were pressured by competition but remained within the historical four-quarter range. Genesis originated at yields of 9.5% (down from 10.1% in Q4 2025) due to competitive dynamics. Overall, the firm focuses on operating leverage across all segments.
Key Risks
Management flagged potential headwinds from proposed legislation requiring build-to-rent developers to sell units within seven years, which has put $3.4 billion in commitments on hold. Consumer sentiment is a concern due to inflation (cited a $15 sandwich). Interest rate volatility and competitive pressure on gain-on-sale margins are ongoing risks. The firm has low software exposure (7% of invested assets) and sees no systemic risk in private credit, but retail investor redemptions in evergreen funds could create short-term dislocations.
Generated by AI · Q1 2026 results · Not investment advice
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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-28
Q2 2026 saw robust performance across all divisions, with $338.9M EAD and $20.2M GAAP net income. Asset management AUM reached $61B, and Newrez, Genesis, and Elecor all posted strong growth. Focus remains on performance, risk management, and expanding third-party business.
Q1 2026 Q1 2026 2026-04-28
Strong Q1 results with robust earnings, record loan production at Genesis, and continued growth in asset management and mortgage segments. Elecor rebranding and operational efficiencies, plus technology-driven cost reductions at Newrez, position the firm for further growth.
Q4 2025 Q4 2025 2026-02-03
Record 2025 results driven by strong asset management and mortgage performance, with EAD up 12% and major acquisitions expanding the platform. Paramount and Crestline deals boosted real estate and credit capabilities, while technology investments and disciplined growth position the firm for continued success.
Q3 2025 Q3 2025 2025-10-30
Earnings reached $300M with 18% ROE, driven by strong performance across all segments. Major acquisitions of Crestline and Paramount will expand offerings and asset management capabilities, funded without new equity. Cash and liquidity remain robust post-acquisition.
Q2 2025 Q2 2025 2025-07-28
Strong quarterly results with $283.9M net income, record origination at Genesis, and robust growth at NewRez and Sculptor. Asset management and servicing segments expanded, with technology and AI driving efficiency. Focus remains on scaling credit, insurance, and M&A.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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