MANHATTAN BRIDGE CAPITAL INC (LOAN) Fundamental Analysis & Valuation

NASDAQ:LOAN • US5628031065

Current stock price

4.45 USD
+0.1 (+2.3%)
Last:

This LOAN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. LOAN Profitability Analysis

1.1 Basic Checks

  • In the past year LOAN was profitable.
  • In the past year LOAN had a positive cash flow from operations.
  • LOAN had positive earnings in each of the past 5 years.
  • In the past 5 years LOAN always reported a positive cash flow from operatings.
LOAN Yearly Net Income VS EBIT VS OCF VS FCFLOAN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M

1.2 Ratios

  • The Return On Assets of LOAN (8.83%) is better than 100.00% of its industry peers.
  • LOAN has a Return On Equity of 12.22%. This is amongst the best in the industry. LOAN outperforms 95.59% of its industry peers.
  • With an excellent Return On Invested Capital value of 9.67%, LOAN belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for LOAN is significantly above the industry average of 1.30%.
  • The last Return On Invested Capital (9.67%) for LOAN is above the 3 year average (8.50%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 8.83%
ROE 12.22%
ROIC 9.67%
ROA(3y)7.41%
ROA(5y)7.18%
ROE(3y)12.61%
ROE(5y)12.25%
ROIC(3y)8.5%
ROIC(5y)7.93%
LOAN Yearly ROA, ROE, ROICLOAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • LOAN has a Profit Margin of 58.68%. This is amongst the best in the industry. LOAN outperforms 98.53% of its industry peers.
  • LOAN's Profit Margin has been stable in the last couple of years.
  • The Operating Margin of LOAN (79.39%) is better than 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 RankSector Rank
OM 79.39%
PM (TTM) 58.68%
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
LOAN Yearly Profit, Operating, Gross MarginsLOAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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9

2. LOAN Health Analysis

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.
  • LOAN has about the same amout of shares outstanding than it did 1 year ago.
  • LOAN has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for LOAN has been reduced compared to a year ago.
LOAN Yearly Shares OutstandingLOAN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
LOAN Yearly Total Debt VS Total AssetsLOAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

2.2 Solvency

  • LOAN has an Altman-Z score of 3.51. This indicates that LOAN is financially healthy and has little risk of bankruptcy at the moment.
  • LOAN has a Altman-Z score of 3.51. This is amongst the best in the industry. LOAN outperforms 100.00% of its industry peers.
  • LOAN has a debt to FCF ratio of 3.17. This is a good value and a sign of high solvency as LOAN would need 3.17 years to pay back of all of its debts.
  • LOAN has a Debt to FCF ratio of 3.17. This is amongst the best in the industry. LOAN outperforms 100.00% of its industry peers.
  • A Debt/Equity ratio of 0.35 indicates that LOAN is not too dependend on debt financing.
  • LOAN has a better Debt to Equity ratio (0.35) than 97.06% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 3.17
Altman-Z 3.51
ROIC/WACC1.16
WACC8.33%
LOAN Yearly LT Debt VS Equity VS FCFLOAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

2.3 Liquidity

  • LOAN has a Current Ratio of 40.17. This indicates that LOAN is financially healthy and has no problem in meeting its short term obligations.
  • LOAN has a better Current ratio (40.17) than 98.53% of its industry peers.
  • LOAN has a Quick Ratio of 40.17. This indicates that LOAN is financially healthy and has no problem in meeting its short term obligations.
  • The Quick ratio of LOAN (40.17) is better than 98.53% of its industry peers.
Industry RankSector Rank
Current Ratio 40.17
Quick Ratio 40.17
LOAN Yearly Current Assets VS Current LiabilitesLOAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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3

3. LOAN Growth Analysis

3.1 Past

  • The earnings per share for LOAN have decreased by -6.01% in the last year.
  • The Earnings Per Share has been growing slightly by 0.42% on average over the past years.
  • Looking at the last year, LOAN shows a decrease in Revenue. The Revenue has decreased by -8.80% in the last year.
  • The Revenue has been growing slightly by 5.71% on average over the past years.
EPS 1Y (TTM)-6.01%
EPS 3Y4.55%
EPS 5Y0.42%
EPS Q2Q%-8.33%
Revenue 1Y (TTM)-8.8%
Revenue growth 3Y12.48%
Revenue growth 5Y5.71%
Sales Q2Q%43.71%

3.2 Future

  • LOAN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.00% yearly.
  • The Revenue is expected to grow by 1.05% on average over the next years.
EPS Next Y-4.37%
EPS Next 2Y1%
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
LOAN Yearly Revenue VS EstimatesLOAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2M 4M 6M 8M
LOAN Yearly EPS VS EstimatesLOAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4

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6

4. LOAN Valuation Analysis

4.1 Price/Earnings Ratio

  • LOAN is valuated reasonably with a Price/Earnings ratio of 9.67.
  • Based on the Price/Earnings ratio, LOAN is valued a bit cheaper than the industry average as 70.59% of the companies are valued more expensively.
  • LOAN is valuated cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 9.09, the valuation of LOAN can be described as very reasonable.
  • 64.71% of the companies in the same industry are more expensive than LOAN, based on the Price/Forward Earnings ratio.
  • LOAN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.67
Fwd PE 9.09
LOAN Price Earnings VS Forward Price EarningsLOAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, LOAN is valued cheaper than 100.00% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, LOAN is valued a bit cheaper than the industry average as 76.47% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.76
EV/EBITDA 9.17
LOAN Per share dataLOAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

  • The excellent profitability rating of LOAN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)22.93
EPS Next 2Y1%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. LOAN Dividend Analysis

5.1 Amount

  • LOAN has a Yearly Dividend Yield of 10.11%, which is a nice return.
  • Compared to an average industry Dividend Yield of 13.30, LOAN is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, LOAN pays a better dividend.
Industry RankSector Rank
Dividend Yield 10.11%

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
LOAN Yearly Dividends per shareLOAN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • LOAN pays out 99.38% of its income as dividend. This is not a sustainable payout ratio.
DP99.38%
EPS Next 2Y1%
EPS Next 3YN/A
LOAN Yearly Income VS Free CF VS DividendLOAN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
LOAN Dividend Payout.LOAN Dividend Payout, showing the Payout Ratio.LOAN Dividend Payout.PayoutRetained Earnings

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LOAN Fundamentals: All Metrics, Ratios and Statistics

MANHATTAN BRIDGE CAPITAL INC

NASDAQ:LOAN (3/27/2026, 8:00:00 PM)

4.45

+0.1 (+2.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)03-20
Earnings (Next)04-21
Inst Owners27.64%
Inst Owner Change3.51%
Ins Owners24.52%
Ins Owner Change0.4%
Market Cap50.91M
Revenue(TTM)9.02M
Net Income(TTM)5.29M
Analysts43.33
Price TargetN/A
Short Float %0.07%
Short Ratio0.22
Dividend
Industry RankSector Rank
Dividend Yield 10.11%
Yearly Dividend0.46
Dividend Growth(5Y)-0.97%
DP99.38%
Div Incr Years0
Div Non Decr Years0
Ex-Date04-08
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.05%
Min EPS beat(2)-10.13%
Max EPS beat(2)-1.96%
EPS beat(4)0
Avg EPS beat(4)-6.05%
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)53.33%
Min Revenue beat(2)39.38%
Max Revenue beat(2)67.28%
Revenue beat(4)4
Avg Revenue beat(4)56.32%
Min Revenue beat(4)39.38%
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%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 9.67
Fwd PE 9.09
P/S 5.64
P/FCF 10.76
P/OCF 10.76
P/B 1.18
P/tB 1.18
EV/EBITDA 9.17
EPS(TTM)0.46
EY10.34%
EPS(NY)0.49
Fwd EY11%
FCF(TTM)0.41
FCFY9.3%
OCF(TTM)0.41
OCFY9.3%
SpS0.79
BVpS3.79
TBVpS3.79
PEG (NY)N/A
PEG (5Y)22.93
Graham Number6.26
Profitability
Industry RankSector Rank
ROA 8.83%
ROE 12.22%
ROCE 12.24%
ROIC 9.67%
ROICexc 9.7%
ROICexgc 9.7%
OM 79.39%
PM (TTM) 58.68%
GM N/A
FCFM 52.45%
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%
ROICexgc growth 3Y12.78%
ROICexgc 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-Score7
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 3.17
Debt/EBITDA 2.09
Cap/Depr 7.41%
Cap/Sales 0%
Interest Coverage 3.87
Cash Conversion 66.02%
Profit Quality 89.38%
Current Ratio 40.17
Quick Ratio 40.17
Altman-Z 3.51
F-Score7
WACC8.33%
ROIC/WACC1.16
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)-6.01%
EPS 3Y4.55%
EPS 5Y0.42%
EPS Q2Q%-8.33%
EPS Next Y-4.37%
EPS Next 2Y1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.8%
Revenue growth 3Y12.48%
Revenue growth 5Y5.71%
Sales Q2Q%43.71%
Revenue Next Year-2.25%
Revenue Next 2Y1.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-11.74%
EBIT growth 3Y13.21%
EBIT growth 5Y5.2%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-10.34%
FCF growth 3Y2.33%
FCF growth 5Y2.15%
OCF growth 1Y-10.44%
OCF growth 3Y2.35%
OCF growth 5Y2.17%

MANHATTAN BRIDGE CAPITAL INC / LOAN Fundamental Analysis FAQ

What is the ChartMill fundamental rating of MANHATTAN BRIDGE CAPITAL INC (LOAN) stock?

ChartMill assigns a fundamental rating of 7 / 10 to LOAN.


What is the valuation status for LOAN stock?

ChartMill assigns a valuation rating of 6 / 10 to MANHATTAN BRIDGE CAPITAL INC (LOAN). This can be considered as Fairly Valued.


What is the profitability of LOAN stock?

MANHATTAN BRIDGE CAPITAL INC (LOAN) has a profitability rating of 8 / 10.


What are the PE and PB ratios of MANHATTAN BRIDGE CAPITAL INC (LOAN) stock?

The Price/Earnings (PE) ratio for MANHATTAN BRIDGE CAPITAL INC (LOAN) is 9.67 and the Price/Book (PB) ratio is 1.18.


How financially healthy is MANHATTAN BRIDGE CAPITAL INC?

The financial health rating of MANHATTAN BRIDGE CAPITAL INC (LOAN) is 9 / 10.