MANHATTAN BRIDGE CAPITAL INC (LOAN) Stock Fundamental Analysis
USA - NASDAQ:LOAN - US5628031065 - REIT
5.6 USD
+0.04 (+0.72%)
LOAN gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. LOAN has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. LOAN is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year LOAN was profitable.
In the past year LOAN had a positive cash flow from operations.
Each year in the past 5 years LOAN has been profitable.
LOAN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 8.12%, LOAN belongs to the best of the industry, outperforming 98.51% of the companies in the same industry.
LOAN's Return On Equity of 12.65% is amongst the best of the industry. LOAN outperforms 98.51% of its industry peers.
With an excellent Return On Invested Capital value of 8.94%, LOAN belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
LOAN had an Average Return On Invested Capital over the past 3 years of 8.50%. This is significantly above the industry average of 1.28%.
The 3 year average ROIC (8.50%) for LOAN is below the current ROIC(8.94%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.12% | ||
| ROE | 12.65% | ||
| ROIC | 8.94% |
ROA(3y)7.41%
ROA(5y)7.18%
ROE(3y)12.61%
ROE(5y)12.25%
ROIC(3y)8.5%
ROIC(5y)7.93%
1.3 Margins
Looking at the Profit Margin, with a value of 59.04%, LOAN belongs to the top of the industry, outperforming 97.01% of the companies in the same industry.
In the last couple of years the Profit Margin of LOAN has remained more or less at the same level.
LOAN has a Operating Margin of 80.37%. This is amongst the best in the industry. LOAN outperforms 100.00% of its industry peers.
In the last couple of years the Operating Margin of LOAN has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 80.37% | ||
| PM (TTM) | 59.04% | ||
| GM | N/A |
OM growth 3Y0.65%
OM growth 5Y-0.48%
PM growth 3Y-3.88%
PM growth 5Y-1.16%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
LOAN has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for LOAN remains at a similar level compared to 1 year ago.
LOAN has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, LOAN has an improved debt to assets ratio.
2.2 Solvency
LOAN has an Altman-Z score of 3.23. This indicates that LOAN is financially healthy and has little risk of bankruptcy at the moment.
LOAN's Altman-Z score of 3.23 is amongst the best of the industry. LOAN outperforms 100.00% of its industry peers.
The Debt to FCF ratio of LOAN is 4.79, which is a neutral value as it means it would take LOAN, 4.79 years of fcf income to pay off all of its debts.
LOAN has a better Debt to FCF ratio (4.79) than 100.00% of its industry peers.
A Debt/Equity ratio of 0.52 indicates that LOAN is somewhat dependend on debt financing.
LOAN's Debt to Equity ratio of 0.52 is amongst the best of the industry. LOAN outperforms 97.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 4.79 | ||
| Altman-Z | 3.23 |
ROIC/WACC1.09
WACC8.23%
2.3 Liquidity
LOAN has a Current Ratio of 44.45. This indicates that LOAN is financially healthy and has no problem in meeting its short term obligations.
LOAN has a Current ratio of 44.45. This is amongst the best in the industry. LOAN outperforms 98.51% of its industry peers.
A Quick Ratio of 44.45 indicates that LOAN has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 44.45, LOAN belongs to the top of the industry, outperforming 98.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 44.45 | ||
| Quick Ratio | 44.45 |
3. Growth
3.1 Past
The earnings per share for LOAN have decreased by -3.28% in the last year.
The Earnings Per Share has been growing slightly by 0.42% on average over the past years.
LOAN shows a decrease in Revenue. In the last year, the revenue decreased by -7.13%.
The Revenue has been growing slightly by 5.71% on average over the past years.
EPS 1Y (TTM)-3.28%
EPS 3Y4.55%
EPS 5Y0.42%
EPS Q2Q%0%
Revenue 1Y (TTM)-7.13%
Revenue growth 3Y12.48%
Revenue growth 5Y5.71%
Sales Q2Q%64.82%
3.2 Future
LOAN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.06% yearly.
Based on estimates for the next years, LOAN will show a small growth in Revenue. The Revenue will grow by 1.05% on average per year.
EPS Next Y-0.12%
EPS Next 2Y-0.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.25%
Revenue Next 2Y1.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.91, the valuation of LOAN can be described as very reasonable.
Based on the Price/Earnings ratio, LOAN is valued a bit cheaper than the industry average as 67.16% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.79, LOAN is valued rather cheaply.
A Price/Forward Earnings ratio of 11.68 indicates a reasonable valuation of LOAN.
LOAN's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.21. LOAN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.91 | ||
| Fwd PE | 11.68 |
4.2 Price Multiples
LOAN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. LOAN is cheaper than 100.00% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of LOAN indicates a somewhat cheap valuation: LOAN is cheaper than 64.18% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.67 | ||
| EV/EBITDA | 11.48 |
4.3 Compensation for Growth
LOAN has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)28.24
EPS Next 2Y-0.06%
EPS Next 3YN/A
5. Dividend
5.1 Amount
LOAN has a Yearly Dividend Yield of 8.42%, which is a nice return.
LOAN's Dividend Yield is slightly below the industry average, which is at 11.22.
LOAN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.42% |
5.2 History
The dividend of LOAN decreases each year by -0.97%.
LOAN has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.97%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
LOAN pays out 95.81% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of LOAN has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP95.81%
EPS Next 2Y-0.06%
EPS Next 3YN/A
NASDAQ:LOAN (10/2/2025, 1:00:11 PM)
5.6
+0.04 (+0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners28.89%
Inst Owner Change-10.02%
Ins Owners24.47%
Ins Owner Change0%
Market Cap64.06M
Analysts43.33
Price TargetN/A
Short Float %0.27%
Short Ratio1.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.42% |
Yearly Dividend0.46
Dividend Growth(5Y)-0.97%
DP95.81%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.96%
Min EPS beat(2)-1.96%
Max EPS beat(2)-1.96%
EPS beat(4)0
Avg EPS beat(4)-4%
Min EPS beat(4)-10.13%
Max EPS beat(4)-1.96%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)62.97%
Min Revenue beat(2)58.67%
Max Revenue beat(2)67.28%
Revenue beat(4)3
Avg Revenue beat(4)45.47%
Min Revenue beat(4)-4%
Max Revenue beat(4)67.28%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.91 | ||
| Fwd PE | 11.68 | ||
| P/S | 6.89 | ||
| P/FCF | 13.67 | ||
| P/OCF | 13.66 | ||
| P/B | 1.48 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | 11.48 |
EPS(TTM)0.47
EY8.39%
EPS(NY)0.48
Fwd EY8.56%
FCF(TTM)0.41
FCFY7.32%
OCF(TTM)0.41
OCFY7.32%
SpS0.81
BVpS3.8
TBVpS3.8
PEG (NY)N/A
PEG (5Y)28.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.12% | ||
| ROE | 12.65% | ||
| ROCE | 11.31% | ||
| ROIC | 8.94% | ||
| ROICexc | 8.97% | ||
| ROICexgc | 8.97% | ||
| OM | 80.37% | ||
| PM (TTM) | 59.04% | ||
| GM | N/A | ||
| FCFM | 50.4% |
ROA(3y)7.41%
ROA(5y)7.18%
ROE(3y)12.61%
ROE(5y)12.25%
ROIC(3y)8.5%
ROIC(5y)7.93%
ROICexc(3y)8.51%
ROICexc(5y)7.95%
ROICexgc(3y)8.51%
ROICexgc(5y)7.95%
ROCE(3y)10.76%
ROCE(5y)10.04%
ROICexcg growth 3Y12.78%
ROICexcg growth 5Y0.67%
ROICexc growth 3Y12.78%
ROICexc growth 5Y0.67%
OM growth 3Y0.65%
OM growth 5Y-0.48%
PM growth 3Y-3.88%
PM growth 5Y-1.16%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 4.79 | ||
| Debt/EBITDA | 3 | ||
| Cap/Depr | 58.18% | ||
| Cap/Sales | 0.03% | ||
| Interest Coverage | 3.88 | ||
| Cash Conversion | 62.71% | ||
| Profit Quality | 85.36% | ||
| Current Ratio | 44.45 | ||
| Quick Ratio | 44.45 | ||
| Altman-Z | 3.23 |
F-Score5
WACC8.23%
ROIC/WACC1.09
Cap/Depr(3y)110.7%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.04%
Cap/Sales(5y)0.05%
Profit Quality(3y)95.22%
Profit Quality(5y)97.83%
High Growth Momentum
Growth
EPS 1Y (TTM)-3.28%
EPS 3Y4.55%
EPS 5Y0.42%
EPS Q2Q%0%
EPS Next Y-0.12%
EPS Next 2Y-0.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.13%
Revenue growth 3Y12.48%
Revenue growth 5Y5.71%
Sales Q2Q%64.82%
Revenue Next Year-2.25%
Revenue Next 2Y1.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-9.28%
EBIT growth 3Y13.21%
EBIT growth 5Y5.2%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.82%
FCF growth 3Y2.33%
FCF growth 5Y2.15%
OCF growth 1Y-6.87%
OCF growth 3Y2.35%
OCF growth 5Y2.17%