4.57 USD
-0.01 (-0.22%)
LOAN gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. LOAN gets an excellent profitability rating and is at the same time showing great financial health properties. LOAN is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- LOAN had positive earnings in the past year.
- In the past year LOAN had a positive cash flow from operations.
- Each year in the past 5 years LOAN has been profitable.
- In the past 5 years LOAN always reported a positive cash flow from operatings.
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 100.00% of its industry peers.
- LOAN has a better Return On Invested Capital (9.67%) than 100.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for LOAN is significantly above the industry average of 1.28%.
- The 3 year average ROIC (8.50%) for LOAN is below the current ROIC(9.67%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- Looking at the Profit Margin, with a value of 58.68%, LOAN belongs to the top of the industry, outperforming 100.00% 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.
- With an excellent Operating Margin value of 79.39%, LOAN belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
- 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 | 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
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so LOAN is still 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.
2.2 Solvency
- An Altman-Z score of 3.56 indicates that LOAN is not in any danger for bankruptcy at the moment.
- LOAN has a Altman-Z score of 3.56. 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.
- With an excellent Debt to FCF ratio value of 3.17, LOAN belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
- LOAN has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
- LOAN has a Debt to Equity ratio of 0.35. This is amongst the best in the industry. LOAN outperforms 98.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 3.17 | ||
| Altman-Z | 3.56 |
ROIC/WACC1.18
WACC8.21%
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 Current ratio of 40.17. This is amongst the best in the industry. LOAN outperforms 98.53% of its industry peers.
- A Quick Ratio of 40.17 indicates that LOAN has no problem at all paying its short term obligations.
- The Quick ratio of LOAN (40.17) is better than 98.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 40.17 | ||
| Quick Ratio | 40.17 |
3. Growth
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.
- The Revenue has decreased by -8.80% in the past year.
- LOAN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.71% yearly.
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.
- LOAN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.05% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 9.93, which indicates a very decent valuation of LOAN.
- LOAN's Price/Earnings ratio is a bit cheaper when compared to the industry. LOAN is cheaper than 70.59% of the companies in the same industry.
- LOAN is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 9.33 indicates a reasonable valuation of LOAN.
- Based on the Price/Forward Earnings ratio, LOAN is valued a bit cheaper than 61.76% of the companies in the same industry.
- LOAN is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.93 | ||
| Fwd PE | 9.33 |
4.2 Price Multiples
- 100.00% of the companies in the same industry are more expensive than LOAN, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, LOAN is valued a bit cheaper than 70.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.05 | ||
| EV/EBITDA | 9.36 |
4.3 Compensation for Growth
- The excellent profitability rating of LOAN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)23.54
EPS Next 2Y1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- LOAN has a Yearly Dividend Yield of 10.04%, which is a nice return.
- LOAN's Dividend Yield is comparable with the industry average which is at 11.26.
- Compared to an average S&P500 Dividend Yield of 1.81, LOAN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.04% |
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
- 99.38% of the earnings are spent on dividend by LOAN. This is not a sustainable payout ratio.
DP99.38%
EPS Next 2Y1%
EPS Next 3YN/A
MANHATTAN BRIDGE CAPITAL INC / LOAN 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 9.93 and the Price/Book (PB) ratio is 1.21.
How financially healthy is MANHATTAN BRIDGE CAPITAL INC?
The financial health rating of MANHATTAN BRIDGE CAPITAL INC (LOAN) is 9 / 10.