Rithm Capital

RITM

Financial - Diversified · Financial Services

Also trades as: 0K76.L

Exchange

New York Stock Exchange

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Mixed

Growth

Mixed

Cash Flow

Weak

Stability

Mixed

Valuation

Strong

Dividends

Good

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Winston Score History

The full picture

Rithm Capital is a real estate finance company that lends money to homebuyers and manages mortgage-related investments. Its main businesses include originating and servicing home loans, meaning it helps people get mortgages and then collects their monthly payments on behalf of investors. It operates through well-known brands like Newrez, one of the larger mortgage servicers in the United States.

Rithm makes money from fees earned on servicing mortgages, gains from selling loans, and income from its portfolio of mortgage-backed securities. It operates primarily in the United States and has a servicing portfolio of over $600 billion in unpaid loan balances, which gives it significant scale. As a mortgage REIT, it is sensitive to interest rate changes — when rates rise, mortgage origination volumes tend to fall, which is the central risk the business faces going forward.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+3.9% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-92.6% YoY

YoY Growth Rate

Earnings declining

Insider Activity

0.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$2.5B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Rithm Capital is growing revenue at 4% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

63.8%

Premium pricing power — 63.8% gross margin

Profit after running costs

Operating Margin

0.5%

Thin — 0.5% operating margin

Return on the money invested

ROCE

9.7%

Below par — 9.7% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+7.3%

Steady sales growth (+7.3% YoY)

Profit growth

EPS YoY

-53.8%

Earnings shrinking (-53.8% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

-520%

Weak — only -520% of profit becomes cash

Spare cash per sale

FCF Margin

-43.5%

Burning cash (-43.5%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

0.66

Moderate — manageable debt (0.66)

Covers its interest

Interest Cover

0.83x

Dangerous — barely covers interest (0.8x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

16.7x

no trend

Fair value — P/E 16.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+12.4

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (16.7 → 4.3)

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Dividends

Dividend

Dividend Yield

10.12%

no trend

Healthy income — 10.12% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

+0.0%

no trend

Dividend flat

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