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Rithm Capital

RITM
50
REIT - Diversified · Real Estate
Also trades as: 0K76.L GBP 0.09 (+6.45%)
Price
$9.38
+0.70 (+8.12%)
after-hours:$9.21-1.86%
Market Cap
$5.24B
Exchange
New York Stock Exchange
Winston Score
50
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Oct 23, 2026 · filings through Sep 30, 2026

§How the score breaks down

Quality
Strong
23/30
Growth
Good
10/20
Cash Flow
Weak
0/10
Stability
Mixed
3/10
Valuation
Exceptional
9/10
Ownership
Weak
2/15
Dividends
Good
3/5

50 of 100 counted points = Winston Score 50.

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Share count rising — dilution

+20.7% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 467.7M (2021) → 564.7M (2025)

§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

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

Revenue Growth

+31.7% YoY

YoY Growth Rate

Revenue accelerating

Reported EPS Growth

+8.3% YoY

Quarterly reporting periods ended:

30 Sept 2025: $0.36

30 Sept 2026: $0.39

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (1%)

Research and development spending

Insider Activity

0.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$2.4B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

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

Revenue accelerating

Rithm Capital grew revenue 32% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

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
100.0%
Premium pricing power — 100.0% gross margin
Profit after running costs
Operating Margin
54.7%
Excellent — 54.7% operating margin
Return on the money invested
ROCE
10.6%
Below par — 10.6% 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
+22.1%
Fast-growing sales (+22.1% YoY)
Profit growth
EPS YoY
-56.8%
Earnings shrinking (-56.8% YoY)

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

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash
Cash Conversion
-342%
Weak — only -342% of profit becomes cash
Spare cash per sale
FCF Margin
-28.4%
Burning cash (-28.4%)

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
0.82
Moderate — manageable debt (0.82)
Covers its interest
Interest Cover
0.97x
Dangerous — barely covers interest (1.0x)

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

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Valuation

Price vs profit
P/E Ratio (TTM)
14.7x
Attractive valuation — P/E 14.7

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
+9.4
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (14.7 → 5.3)

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Dividends

Dividend
Dividend Yield
11.42%
Healthy income — 11.42% yield

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

Dividend record
Dividend Growth
+0.0%
Dividend flat
Payout Ratio
134%
no trend
Paying out more than the last 12 months of profit. The dividend is being funded from cash or borrowing, not this year’s earnings.

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