LOAN
Manhattan Bridge Capital, Inc.
REIT - Mortgage
Market Cap$49M
5Y Perf.-8.8%
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Stock Comparison
LOAN vs OPEN
Revenue, margins, valuation, and 5-year total return — side by side.
OPEN
Opendoor Technologies Inc.
Real Estate - Services
Market Cap$5.19B
5Y Perf.-53.7%
LOAN vs OPEN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | LOAN | OPEN |
|---|---|---|
| Industry | REIT - Mortgage | Real Estate - Services |
| Market Cap | $49M | $5.19B |
| Revenue (TTM) | $8M | $4.37B |
| Net Income (TTM) | $5M | $-1.30B |
| Gross Margin | 99.9% | 8.0% |
| Operating Margin | 58.1% | -6.6% |
| Forward P/E | 8.7x | — |
| Total Debt | $23M | $193M |
| Cash & Equiv. | $178K | $962M |
LOAN vs OPEN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
LOAN
OPEN
| Stock | Jun 20 | May 26 | Return |
|---|---|---|---|
| Manhattan Bridge Ca… (LOAN) | 100 | 91.2 | -8.8% |
| Opendoor Technologi… (OPEN) | 100 | 46.3 | -53.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LOAN vs OPEN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: LOAN leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Opendoor Technologies Inc. is the stronger pick specifically for valuation and capital efficiency and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
LOAN
Manhattan Bridge Capital, Inc.
The Real Estate Income Play
LOAN carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.12, yield 10.8%
- Rev growth 32.7%, EPS growth 2.1%, 3Y rev CAGR 18.8%
- 102.3% 10Y total return vs OPEN's -49.6%
Best for: income & stability and growth exposure
OPEN
Opendoor Technologies Inc.
The Real Estate Income Play
OPEN is the clearest fit if your priority is value and momentum.
- Better valuation composite
- +6.8% vs LOAN's -8.1%
Best for: value and momentum
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | LOAN | 32.7% FFO/revenue growth vs OPEN's -15.2% |
| Value | OPEN | Better valuation composite |
| Quality / Margins | LOAN | 70.0% margin vs OPEN's -29.7% |
| Stability / Safety | LOAN | Beta 0.12 vs OPEN's 3.09 |
| Dividends | LOAN | 10.8% yield; the other pay no meaningful dividend |
| Momentum (1Y) | OPEN | +6.8% vs LOAN's -8.1% |
| Efficiency (ROA) | LOAN | 8.1% ROA vs OPEN's -54.0%, ROIC 8.5% vs -16.6% |
LOAN vs OPEN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLLOANLAGGINGOPEN
OPENOpendoor Technologies…
1leads
LOANManhattan Bridge Capi…
3leads
6 Total Categories
CATEGORYLEADERvs OPENMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
LOAN6/6
Valuation MetricsMultiples, price ratios, and targets
OPEN3/4
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
LOAN6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
LOAN2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
LOAN leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
OPEN is the larger business by revenue, generating $4.4B annually — 577.8x LOAN's $8M. LOAN is the more profitable business, keeping 70.0% of every revenue dollar as net income compared to OPEN's -29.7%. On growth, LOAN holds the edge at +14.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | LOANManhattan Bridge … | OPENOpendoor Technolo… |
|---|---|---|
| RevenueTrailing 12 months | $8M | $4.4B |
| EBITDAEarnings before interest/tax | $4M | -$287M |
| Net IncomeAfter-tax profit | $5M | -$1.3B |
| Free Cash FlowCash after capex | $5M | $1.0B |
| Gross MarginGross profit ÷ Revenue | +99.9% | +8.0% |
| Operating MarginEBIT ÷ Revenue | +58.1% | -6.6% |
| Net MarginNet income ÷ Revenue | +70.0% | -29.7% |
| FCF MarginFCF ÷ Revenue | +62.6% | +23.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | +14.6% | -32.1% |
| EPS Growth (YoY)Latest quarter vs prior year | -8.3% | -7.9% |
LOAN leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
OPEN leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
| Metric | LOANManhattan Bridge … | OPENOpendoor Technolo… |
|---|---|---|
| Market CapShares × price | $49M | $5.2B |
| Enterprise ValueMkt cap + debt − cash | $71M | $4.4B |
| Trailing P/EPrice ÷ TTM EPS | 8.67x | -3.20x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 8.97x | — |
| Price / SalesMarket cap ÷ Revenue | 5.02x | 1.19x |
| Price / BookPrice ÷ Book value/share | 1.12x | 4.15x |
| Price / FCFMarket cap ÷ FCF | 9.87x | 5.00x |
OPEN leads this category, winning 3 of 4 comparable metrics.
Profitability & Efficiency
LOAN leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
LOAN delivers a 12.2% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $-129 for OPEN. OPEN carries lower financial leverage with a 0.19x debt-to-equity ratio, signaling a more conservative balance sheet compared to LOAN's 0.52x. On the Piotroski fundamental quality scale (0–9), LOAN scores 7/9 vs OPEN's 5/9, reflecting strong financial health.
| Metric | LOANManhattan Bridge … | OPENOpendoor Technolo… |
|---|---|---|
| ROE (TTM)Return on equity | +12.2% | -129.4% |
| ROA (TTM)Return on assets | +8.1% | -54.0% |
| ROICReturn on invested capital | +8.5% | -16.6% |
| ROCEReturn on capital employed | +11.3% | -12.3% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | 0.52x | 0.19x |
| Net DebtTotal debt minus cash | $22M | -$769M |
| Cash & Equiv.Liquid assets | $178,012 | $962M |
| Total DebtShort + long-term debt | $23M | $193M |
| Interest CoverageEBIT ÷ Interest expense | 3.38x | — |
LOAN leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — LOAN and OPEN each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in LOAN five years ago would be worth $10,353 today (with dividends reinvested), compared to $3,054 for OPEN. Over the past 12 months, OPEN leads with a +675.8% total return vs LOAN's -8.1%. The 3-year compound annual growth rate (CAGR) favors OPEN at 38.4% vs LOAN's 5.3% — a key indicator of consistent wealth creation.
| Metric | LOANManhattan Bridge … | OPENOpendoor Technolo… |
|---|---|---|
| YTD ReturnYear-to-date | -5.8% | -10.4% |
| 1-Year ReturnPast 12 months | -8.1% | +675.8% |
| 3-Year ReturnCumulative with dividends | +16.8% | +165.4% |
| 5-Year ReturnCumulative with dividends | +3.5% | -69.5% |
| 10-Year ReturnCumulative with dividends | +102.3% | -49.6% |
| CAGR (3Y)Annualised 3-year return | +5.3% | +38.4% |
Evenly matched — LOAN and OPEN each lead in 3 of 6 comparable metrics.
Risk & Volatility
LOAN leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
LOAN is the less volatile stock with a 0.12 beta — it tends to amplify market swings less than OPEN's 3.09 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. LOAN currently trades 72.6% from its 52-week high vs OPEN's 50.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LOANManhattan Bridge … | OPENOpendoor Technolo… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.12x | 3.09x |
| 52-Week HighHighest price in past year | $5.85 | $10.87 |
| 52-Week LowLowest price in past year | $4.13 | $0.51 |
| % of 52W HighCurrent price vs 52-week peak | +72.6% | +50.0% |
| RSI (14)Momentum oscillator 0–100 | 39.5 | 51.8 |
| Avg Volume (50D)Average daily shares traded | 27K | 36.3M |
LOAN leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
LOAN is the only dividend payer here at 10.77% yield — a key consideration for income-focused portfolios.
| Metric | LOANManhattan Bridge … | OPENOpendoor Technolo… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $6.50 |
| # AnalystsCovering analysts | — | 26 |
| Dividend YieldAnnual dividend ÷ price | +10.8% | — |
| Dividend StreakConsecutive years of raises | 0 | — |
| Dividend / ShareAnnual DPS | $0.46 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +0.0% | +22.8% |
Insufficient data to determine a leader in this category.
Key Takeaway
LOAN leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). OPEN leads in 1 (Valuation Metrics). 1 tied.
Best OverallManhattan Bridge Capital, I… (LOAN)Leads 3 of 6 categories
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LOAN vs OPEN: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is LOAN or OPEN a better buy right now?
For growth investors, Manhattan Bridge Capital, Inc.
(LOAN) is the stronger pick with 32. 7% revenue growth year-over-year, versus -15. 2% for Opendoor Technologies Inc. (OPEN). Manhattan Bridge Capital, Inc. (LOAN) offers the better valuation at 8. 7x trailing P/E, making it the more compelling value choice. Analysts rate Opendoor Technologies Inc. (OPEN) a "Hold" — based on 26 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.
02Which is the better long-term investment — LOAN or OPEN?
Over the past 5 years, Manhattan Bridge Capital, Inc.
(LOAN) delivered a total return of +3. 5%, compared to -69. 5% for Opendoor Technologies Inc. (OPEN). Over 10 years, the gap is even starker: LOAN returned +102. 3% versus OPEN's -49. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — LOAN or OPEN?
By beta (market sensitivity over 5 years), Manhattan Bridge Capital, Inc.
(LOAN) is the lower-risk stock at 0. 12β versus Opendoor Technologies Inc. 's 3. 09β — meaning OPEN is approximately 2508% more volatile than LOAN relative to the S&P 500. On balance sheet safety, Opendoor Technologies Inc. (OPEN) carries a lower debt/equity ratio of 19% versus 52% for Manhattan Bridge Capital, Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — LOAN or OPEN?
By revenue growth (latest reported year), Manhattan Bridge Capital, Inc.
(LOAN) is pulling ahead at 32. 7% versus -15. 2% for Opendoor Technologies Inc. (OPEN). On earnings-per-share growth, the picture is similar: Manhattan Bridge Capital, Inc. grew EPS 2. 1% year-over-year, compared to -203. 6% for Opendoor Technologies Inc.. Over a 3-year CAGR, LOAN leads at 18. 8% annualised revenue growth. 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.
05Which has better profit margins — LOAN or OPEN?
Manhattan Bridge Capital, Inc.
(LOAN) is the more profitable company, earning 57. 7% net margin versus -29. 7% for Opendoor Technologies Inc. — 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 -6. 6% for OPEN. At the gross margin level — before operating expenses — LOAN leads at 76. 0%, 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.
06Which pays a better dividend — LOAN or OPEN?
In this comparison, LOAN (10.
8% yield) pays a dividend. OPEN does not pay a meaningful dividend and should not be held primarily for income.
07Is LOAN or OPEN better for a retirement portfolio?
For long-horizon retirement investors, Manhattan Bridge Capital, Inc.
(LOAN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 12), 10. 8% yield, +102. 3% 10Y return). Opendoor Technologies Inc. (OPEN) carries a higher beta of 3. 09 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (LOAN: +102. 3%, OPEN: -49. 6%), 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.
08What are the main differences between LOAN and OPEN?
Both stocks operate in the Real Estate sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: LOAN is a small-cap high-growth stock; OPEN is a small-cap quality compounder stock. LOAN pays a dividend while OPEN does not, making them suitable for different income and tax situations. 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.
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