MANHATTAN BRIDGE CAPITAL INC (LOAN) Stock Fundamental Analysis
NASDAQ:LOAN - Nasdaq - US5628031065 - REIT - Currency: USD
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 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 8.34%. This is amongst the best in the industry. LOAN outperforms 98.51% of its industry peers.
The Return On Equity of LOAN (12.67%) is better than 98.51% of its industry peers.
LOAN has a Return On Invested Capital of 9.30%. This is amongst the best in the industry. LOAN outperforms 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 1.41%.
The 3 year average ROIC (8.50%) for LOAN is below the current ROIC(9.30%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.34% | ||
| ROE | 12.67% | ||
| ROIC | 9.3% |
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 58.45%, LOAN belongs to the top of the industry, outperforming 95.52% 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.
Looking at the Operating Margin, with a value of 80.61%, LOAN belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
LOAN's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 80.61% | ||
| PM (TTM) | 58.45% | ||
| 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.
LOAN has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.31 indicates that LOAN is not in any danger for bankruptcy at the moment.
The Altman-Z score of LOAN (3.31) is better than 100.00% of its industry peers.
The Debt to FCF ratio of LOAN is 4.27, which is a neutral value as it means it would take LOAN, 4.27 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.27, LOAN belongs to the top of the industry, outperforming 98.51% of the companies in the same industry.
LOAN has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.48, LOAN belongs to the top of the industry, outperforming 95.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 4.27 | ||
| Altman-Z | 3.31 |
ROIC/WACC1.1
WACC8.42%
2.3 Liquidity
A Current Ratio of 43.38 indicates that LOAN has no problem at all paying its short term obligations.
The Current ratio of LOAN (43.38) is better than 98.51% of its industry peers.
LOAN has a Quick Ratio of 43.38. This indicates that LOAN is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 43.38, LOAN belongs to the top of the industry, outperforming 98.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 43.38 | ||
| Quick Ratio | 43.38 |
3. Growth
3.1 Past
The earnings per share for LOAN have decreased by -3.48% 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 -5.84% in the past year.
Measured over the past years, LOAN shows a small growth in Revenue. The Revenue has been growing by 5.71% on average per year.
EPS 1Y (TTM)-3.48%
EPS 3Y4.55%
EPS 5Y0.42%
EPS Q2Q%-7.69%
Revenue 1Y (TTM)-5.84%
Revenue growth 3Y12.48%
Revenue growth 5Y5.71%
Sales Q2Q%-11.64%
3.2 Future
The Earnings Per Share is expected to grow by 1.00% on average over the next years.
Based on estimates for the next years, LOAN will show a small growth in Revenue. The Revenue will grow by 0.75% on average per year.
EPS Next Y-0.12%
EPS Next 2Y1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.78%
Revenue Next 2Y0.75%
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.
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
A Price/Earnings ratio of 11.49 indicates a reasonable valuation of LOAN.
Based on the Price/Earnings ratio, LOAN is valued a bit cheaper than 65.67% of the companies in the same industry.
LOAN is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.03 indicates a reasonable valuation of LOAN.
LOAN's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of LOAN to the average of the S&P500 Index (36.44), we can say LOAN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.49 | ||
| Fwd PE | 11.03 |
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.
LOAN's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.72 | ||
| EV/EBITDA | 10.87 |
4.3 Compensation for Growth
LOAN has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)27.23
EPS Next 2Y1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
LOAN has a Yearly Dividend Yield of 8.29%, which is a nice return.
Compared to an average industry Dividend Yield of 11.97, LOAN's dividend is way lower than its industry peers. On top of this 85.07% of the companies listed in the same industry pay a better dividend than LOAN!
LOAN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.29% |
5.2 History
The dividend of LOAN decreases each year by -0.97%.
LOAN has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-0.97%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
LOAN pays out 95.88% of its income as dividend. This is not a sustainable payout ratio.
DP95.88%
EPS Next 2Y1%
EPS Next 3YN/A
NASDAQ:LOAN (7/18/2025, 8:00:01 PM)
5.4
-0.15 (-2.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners32.4%
Inst Owner Change1.31%
Ins Owners24.47%
Ins Owner Change0%
Market Cap61.78M
Analysts43.33
Price TargetN/A
Short Float %0.24%
Short Ratio1.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.29% |
Yearly Dividend0.46
Dividend Growth(5Y)-0.97%
DP95.88%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-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)59.3%
Min Revenue beat(2)58.67%
Max Revenue beat(2)59.93%
Revenue beat(4)2
Avg Revenue beat(4)27.87%
Min Revenue beat(4)-4%
Max Revenue beat(4)59.93%
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)-3.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.49 | ||
| Fwd PE | 11.03 | ||
| P/S | 6.58 | ||
| P/FCF | 12.72 | ||
| P/OCF | 12.71 | ||
| P/B | 1.43 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | 10.87 |
EPS(TTM)0.47
EY8.7%
EPS(NY)0.49
Fwd EY9.07%
FCF(TTM)0.42
FCFY7.86%
OCF(TTM)0.42
OCFY7.87%
SpS0.82
BVpS3.79
TBVpS3.79
PEG (NY)N/A
PEG (5Y)27.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.34% | ||
| ROE | 12.67% | ||
| ROCE | 11.77% | ||
| ROIC | 9.3% | ||
| ROICexc | 9.33% | ||
| ROICexgc | 9.33% | ||
| OM | 80.61% | ||
| PM (TTM) | 58.45% | ||
| GM | N/A | ||
| FCFM | 51.72% |
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-Score7
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 4.27 | ||
| Debt/EBITDA | 2.74 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.61 | ||
| Cash Conversion | 64.17% | ||
| Profit Quality | 88.48% | ||
| Current Ratio | 43.38 | ||
| Quick Ratio | 43.38 | ||
| Altman-Z | 3.31 |
F-Score7
WACC8.42%
ROIC/WACC1.1
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)-3.48%
EPS 3Y4.55%
EPS 5Y0.42%
EPS Q2Q%-7.69%
EPS Next Y-0.12%
EPS Next 2Y1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.84%
Revenue growth 3Y12.48%
Revenue growth 5Y5.71%
Sales Q2Q%-11.64%
Revenue Next Year-2.78%
Revenue Next 2Y0.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-8.04%
EBIT growth 3Y13.21%
EBIT growth 5Y5.2%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-3.25%
FCF growth 3Y2.33%
FCF growth 5Y2.15%
OCF growth 1Y-3.33%
OCF growth 3Y2.35%
OCF growth 5Y2.17%