GHLD vs LOAN

For growth investors, Guild Holdings Company (GHLD) is the stronger pick with 60.

9% revenue growth year-over-year, versus 32. 7% for Manhattan Bridge Capital, Inc. (LOAN). Manhattan Bridge Capital, Inc. (LOAN) offers the better valuation at 8. 8x trailing P/E, making it the more compelling value choice. Analysts rate Guild Holdings Company (GHLD) a "Hold" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Manhattan Bridge Capital, Inc.

(LOAN) is the cheapest at 8. 8x versus Guild Holdings Company at 12. 8x.

Over the past 5 years, Guild Holdings Company (GHLD) delivered a total return of +55.

0%, compared to +3. 0% for Manhattan Bridge Capital, Inc. (LOAN). Over 10 years, the gap is even starker: LOAN returned +108. 2% versus GHLD's +58. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Guild Holdings Company (GHLD) is the lower-risk stock at 0.

04β versus Manhattan Bridge Capital, Inc. 's 0. 12β — meaning LOAN is approximately 182% more volatile than GHLD relative to the S&P 500. On balance sheet safety, Manhattan Bridge Capital, Inc. (LOAN) carries a lower debt/equity ratio of 52% versus 2% for Guild Holdings Company — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Guild Holdings Company (GHLD) is pulling ahead at 60.

9% versus 32. 7% for Manhattan Bridge Capital, Inc. (LOAN). On earnings-per-share growth, the picture is similar: Guild Holdings Company grew EPS 343. 8% year-over-year, compared to 2. 1% for Manhattan Bridge Capital, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Manhattan Bridge Capital, Inc.

(LOAN) is the more profitable company, earning 57. 7% net margin versus 8. 3% for Guild Holdings Company — meaning it keeps 57. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LOAN leads at 81. 6% versus 10. 1% for GHLD. At the gross margin level — before operating expenses — GHLD leads at 90. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

All stocks in this comparison pay dividends.

Manhattan Bridge Capital, Inc. (LOAN) offers the highest yield at 10. 6%, versus 2. 5% for Guild Holdings Company (GHLD).

For long-horizon retirement investors, Guild Holdings Company (GHLD) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

04), 2. 5% yield). Both have compounded well over 10 years (GHLD: +58. 4%, LOAN: +108. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (GHLD (Financial Services) and LOAN (Real Estate)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.