4.55 USD
-0.03 (-0.66%)
4.51 USD
-0.04 (-0.88%)
Overall LOAN gets a fundamental rating of 7 out of 10. We evaluated LOAN against 68 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 has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year LOAN was profitable.
LOAN had a positive operating cash flow in the past year.
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.
1.2 Ratios
LOAN has a Return On Assets of 8.83%. This is amongst the best in the industry. LOAN outperforms 100.00% of its industry peers.
With an excellent Return On Equity value of 12.22%, LOAN belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 9.67%, LOAN belongs to the top 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 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 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
LOAN has a Profit Margin of 58.68%. This is amongst the best in the industry. LOAN outperforms 100.00% of its industry peers.
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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), LOAN is creating some value.
LOAN has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for LOAN has been increased compared to 5 years ago.
LOAN has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.57 indicates that LOAN is not in any danger for bankruptcy at the moment.
The Altman-Z score of LOAN (3.57) is better than 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.
Looking at the Debt to FCF ratio, with a value of 3.17, LOAN belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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 98.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 3.17 | ||
| Altman-Z | 3.57 |
ROIC/WACC1.18
WACC8.17%
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.
Looking at the Current ratio, with a value of 40.17, LOAN belongs to the top of the industry, outperforming 98.53% of the companies in the same industry.
A Quick Ratio of 40.17 indicates that LOAN has no problem at all paying its short term obligations.
LOAN has a Quick ratio of 40.17. This is amongst the best in the industry. LOAN outperforms 98.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 40.17 | ||
| Quick Ratio | 40.17 |
3. Growth
3.1 Past
LOAN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.01%.
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.
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.
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-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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 9.89, which indicates a very decent valuation of LOAN.
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 27.19, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.29, which indicates a very decent valuation of LOAN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LOAN indicates a somewhat cheap valuation: LOAN is cheaper than 61.76% of the companies listed in the same industry.
LOAN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.89 | ||
| Fwd PE | 9.29 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of LOAN indicates a rather cheap valuation: LOAN is cheaper than 100.00% of the companies listed 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 70.59% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11 | ||
| EV/EBITDA | 9.38 |
4.3 Compensation for Growth
LOAN has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)23.44
EPS Next 2Y1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
LOAN has a Yearly Dividend Yield of 10.09%, which is a nice return.
Compared to an average industry Dividend Yield of 10.90, LOAN has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.92, LOAN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.09% |
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 99.38% of its income as dividend. This is not a sustainable payout ratio.
DP99.38%
EPS Next 2Y1%
EPS Next 3YN/A
4.55
-0.03 (-0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners27.35%
Inst Owner Change0%
Ins Owners24.52%
Ins Owner Change0.4%
Market Cap52.05M
Revenue(TTM)9.02M
Net Income(TTM)5.29M
Analysts43.33
Price TargetN/A
Short Float %0.12%
Short Ratio0.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.09% |
Yearly Dividend0.46
Dividend Growth(5Y)-0.97%
DP99.38%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-9.09%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.89 | ||
| Fwd PE | 9.29 | ||
| P/S | 5.77 | ||
| P/FCF | 11 | ||
| P/OCF | 11 | ||
| P/B | 1.2 | ||
| P/tB | 1.2 | ||
| EV/EBITDA | 9.38 |
EPS(TTM)0.46
EY10.11%
EPS(NY)0.49
Fwd EY10.76%
FCF(TTM)0.41
FCFY9.09%
OCF(TTM)0.41
OCFY9.09%
SpS0.79
BVpS3.79
TBVpS3.79
PEG (NY)N/A
PEG (5Y)23.44
Graham Number6.26
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3.57 |
F-Score7
WACC8.17%
ROIC/WACC1.18
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 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 9.89 and the Price/Book (PB) ratio is 1.2.
How financially healthy is MANHATTAN BRIDGE CAPITAL INC?
The financial health rating of MANHATTAN BRIDGE CAPITAL INC (LOAN) is 9 / 10.