LOAN
Manhattan Bridge Capital, Inc.
REIT - Mortgage
Market Cap$48M
5Y Perf.-22.4%
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Stock Comparison
LOAN vs REFI vs GPMT vs TPVG
Revenue, margins, valuation, and 5-year total return — side by side.
REFI
Chicago Atlantic Real Estate Finance, Inc.
REIT - Mortgage
Market Cap$245M
5Y Perf.-28.2%
GPMT
Granite Point Mortgage Trust Inc.
REIT - Mortgage
Market Cap$74M
5Y Perf.-87.4%
TPVG
TriplePoint Venture Growth BDC Corp.
Asset Management
Market Cap$243M
5Y Perf.-67.9%
LOAN vs REFI vs GPMT vs TPVG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | LOAN | REFI | GPMT | TPVG |
|---|---|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage | REIT - Mortgage | Asset Management |
| Market Cap | $48M | $245M | $74M | $243M |
| Revenue (TTM) | $8M | $44M | $132M | $97M |
| Net Income (TTM) | $5M | $4.87B | $-40M | $-12M |
| Gross Margin | 99.9% | 95.6% | 47.3% | 83.5% |
| Operating Margin | 58.1% | 18.4% | -4.3% | 77.9% |
| Forward P/E | 8.6x | 6.5x | — | 6.2x |
| Total Debt | $23M | $98M | $1.17B | $469M |
| Cash & Equiv. | $178K | $15M | $66M | $20M |
LOAN vs REFI vs GPMT vs TPVG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
LOAN
REFI
GPMT
TPVG
| Stock | Dec 21 | May 26 | Return |
|---|---|---|---|
| Manhattan Bridge Ca… (LOAN) | 100 | 77.6 | -22.4% |
| Chicago Atlantic Re… (REFI) | 100 | 71.8 | -28.2% |
| Granite Point Mortg… (GPMT) | 100 | 12.6 | -87.4% |
| TriplePoint Venture… (TPVG) | 100 | 32.1 | -67.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LOAN vs REFI vs GPMT vs TPVG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: LOAN and REFI are tied at the top with 2 categories each — the right choice depends on your priorities. Chicago Atlantic Real Estate Finance, Inc. is the stronger pick specifically for profitability and margin quality and dividend income and shareholder returns. TPVG and GPMT also each lead in at least one category. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
LOAN
Manhattan Bridge Capital, Inc.
The Real Estate Income Play
LOAN has the current edge in this matchup, primarily because of its strength in long-term compounding and sleep-well-at-night.
- 102.8% 10Y total return vs REFI's 24.7%
- Lower volatility, beta 0.12, Low D/E 52.1%, current ratio 31.09x
- Beta 0.12 vs GPMT's 1.44, lower leverage
- 8.1% ROA vs GPMT's -2.3%, ROIC 8.5% vs 2.6%
Best for: long-term compounding and sleep-well-at-night
REFI
Chicago Atlantic Real Estate Finance, Inc.
The Real Estate Income Play
REFI is the #2 pick in this set and the best alternative if income & stability and defensive is your priority.
- Dividend streak 1 yrs, beta 0.69, yield 100.0%
- Beta 0.69, yield 100.0%, current ratio 0.28x
- 109.7% margin vs GPMT's -30.5%
- 100.0% yield, 1-year raise streak, vs LOAN's 10.8%
Best for: income & stability and defensive
GPMT
Granite Point Mortgage Trust Inc.
The Real Estate Income Play
GPMT is the clearest fit if your priority is growth exposure.
- Rev growth 187.8%, EPS growth 73.7%, 3Y rev CAGR 22.9%
- 187.8% FFO/revenue growth vs REFI's 15.2%
Best for: growth exposure
TPVG
TriplePoint Venture Growth BDC Corp.
The Banking Pick
TPVG is the clearest fit if your priority is value and momentum.
- Better valuation composite
- +19.3% vs GPMT's -19.7%
Best for: value and momentum
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | GPMT | 187.8% FFO/revenue growth vs REFI's 15.2% |
| Value | TPVG | Better valuation composite |
| Quality / Margins | REFI | 109.7% margin vs GPMT's -30.5% |
| Stability / Safety | LOAN | Beta 0.12 vs GPMT's 1.44, lower leverage |
| Dividends | REFI | 100.0% yield, 1-year raise streak, vs LOAN's 10.8% |
| Momentum (1Y) | TPVG | +19.3% vs GPMT's -19.7% |
| Efficiency (ROA) | LOAN | 8.1% ROA vs GPMT's -2.3%, ROIC 8.5% vs 2.6% |
LOAN vs REFI vs GPMT vs TPVG — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLREFILAGGINGTPVG
Who Leads Where
REFI leads in 2 of 6 categories
GPMT leads 1 • LOAN leads 1 • TPVG leads 0 • 2 tied
Explore the data ↓TPVGTriplePoint Venture G…
0leads
GPMTGranite Point Mortgag…
1leads
LOANManhattan Bridge Capi…
1leads
REFIChicago Atlantic Real…
2leads
6 Total Categories
CATEGORYLEADERvs LOANvs GPMTMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
GPMT3/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
LOAN7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
REFI4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
REFI2/2
Income & Cash Flow (Last 12 Months)
Evenly matched — REFI and GPMT each lead in 2 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
GPMT is the larger business by revenue, generating $132M annually — 17.4x LOAN's $8M. REFI is the more profitable business, keeping 109.7% of every revenue dollar as net income compared to GPMT's -30.5%. On growth, GPMT holds the edge at +157.8% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … | GPMTGranite Point Mor… | TPVGTriplePoint Ventu… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $8M | $44M | $132M | $97M |
| EBITDAEarnings before interest/tax | $4M | $8M | -$8M | -$22M |
| Net IncomeAfter-tax profit | $5M | $4.9B | -$40M | -$12M |
| Free Cash FlowCash after capex | $5M | $3.2B | $463,000 | $35M |
| Gross MarginGross profit ÷ Revenue | +99.9% | +95.6% | +47.3% | +83.5% |
| Operating MarginEBIT ÷ Revenue | +58.1% | +18.4% | -4.3% | +77.9% |
| Net MarginNet income ÷ Revenue | +70.0% | +109.7% | -30.5% | +50.6% |
| FCF MarginFCF ÷ Revenue | +62.6% | +71.8% | +0.4% | -58.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | +14.6% | -100.0% | +157.8% | — |
| EPS Growth (YoY)Latest quarter vs prior year | -8.3% | -51.1% | +40.9% | -2.3% |
Evenly matched — REFI and GPMT each lead in 2 of 6 comparable metrics.
Valuation Metrics
GPMT leads this category, winning 3 of 6 comparable metrics.
Valuation Metrics
At 4.9x trailing earnings, TPVG trades at a 43% valuation discount to LOAN's 8.6x P/E. On an enterprise value basis, LOAN's 8.9x EV/EBITDA is more attractive than GPMT's 20.8x.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … | GPMTGranite Point Mor… | TPVGTriplePoint Ventu… |
|---|---|---|---|---|
| Market CapShares × price | $48M | $245M | $74M | $243M |
| Enterprise ValueMkt cap + debt − cash | $71M | $328M | $1.2B | $691M |
| Trailing P/EPrice ÷ TTM EPS | 8.63x | 6.92x | -1.34x | 4.91x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 6.50x | — | 6.23x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | 4.84x |
| EV / EBITDAEnterprise value multiple | 8.94x | 9.12x | 20.75x | 9.13x |
| Price / SalesMarket cap ÷ Revenue | 4.99x | 3.88x | 0.51x | 2.50x |
| Price / BookPrice ÷ Book value/share | 1.12x | 0.81x | 0.13x | 0.68x |
| Price / FCFMarket cap ÷ FCF | 9.82x | 0.01x | 27.85x | — |
GPMT leads this category, winning 3 of 6 comparable metrics.
Profitability & Efficiency
LOAN leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
LOAN delivers a 12.2% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $-7 for GPMT. REFI carries lower financial leverage with a 0.32x debt-to-equity ratio, signaling a more conservative balance sheet compared to GPMT's 2.12x. On the Piotroski fundamental quality scale (0–9), LOAN scores 7/9 vs TPVG's 5/9, reflecting strong financial health.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … | GPMTGranite Point Mor… | TPVGTriplePoint Ventu… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | +12.2% | +6.4% | -7.1% | -3.4% |
| ROA (TTM)Return on assets | +8.1% | +4.5% | -2.3% | -1.5% |
| ROICReturn on invested capital | +8.5% | +6.9% | +2.6% | +7.2% |
| ROCEReturn on capital employed | +11.3% | +9.3% | +4.6% | +9.4% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 | 6 | 5 |
| Debt / EquityFinancial leverage | 0.52x | 0.32x | 2.12x | 1.33x |
| Net DebtTotal debt minus cash | $22M | $83M | $1.1B | $449M |
| Cash & Equiv.Liquid assets | $178,012 | $15M | $66M | $20M |
| Total DebtShort + long-term debt | $23M | $98M | $1.2B | $469M |
| Interest CoverageEBIT ÷ Interest expense | 3.38x | 4.77x | 0.58x | -1.02x |
LOAN leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
REFI leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in REFI five years ago would be worth $12,468 today (with dividends reinvested), compared to $3,472 for GPMT. Over the past 12 months, TPVG leads with a +19.3% total return vs GPMT's -19.7%. The 3-year compound annual growth rate (CAGR) favors REFI at 7.9% vs GPMT's -13.1% — a key indicator of consistent wealth creation.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … | GPMTGranite Point Mor… | TPVGTriplePoint Ventu… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | -6.3% | -1.4% | -32.5% | -6.3% |
| 1-Year ReturnPast 12 months | -8.5% | -7.9% | -19.7% | +19.3% |
| 3-Year ReturnCumulative with dividends | +16.4% | +25.7% | -34.3% | -3.4% |
| 5-Year ReturnCumulative with dividends | +2.6% | +24.7% | -65.3% | -13.5% |
| 10-Year ReturnCumulative with dividends | +102.8% | +24.7% | -50.0% | +93.3% |
| CAGR (3Y)Annualised 3-year return | +5.2% | +7.9% | -13.1% | -1.2% |
REFI leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — LOAN and TPVG each lead in 1 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 GPMT's 1.44 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. TPVG currently trades 79.5% from its 52-week high vs GPMT's 49.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … | GPMTGranite Point Mor… | TPVGTriplePoint Ventu… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.09x | 0.70x | 1.42x | 0.77x |
| 52-Week HighHighest price in past year | $5.85 | $15.20 | $3.12 | $7.53 |
| 52-Week LowLowest price in past year | $4.13 | $10.74 | $1.24 | $4.48 |
| % of 52W HighCurrent price vs 52-week peak | +72.3% | +76.4% | +49.7% | +79.5% |
| RSI (14)Momentum oscillator 0–100 | 36.6 | 58.1 | 49.4 | 58.3 |
| Avg Volume (50D)Average daily shares traded | 28K | 167K | 154K | 504K |
Evenly matched — LOAN and TPVG each lead in 1 of 2 comparable metrics.
Analyst Outlook
REFI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: REFI as "Buy", GPMT as "Hold", TPVG as "Hold". Consensus price targets imply 61.3% upside for GPMT (target: $3) vs 46.3% for REFI (target: $17). For income investors, REFI offers the higher dividend yield at 100.00% vs LOAN's 10.82%.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … | GPMTGranite Point Mor… | TPVGTriplePoint Ventu… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy | Hold | Hold |
| Price TargetConsensus 12-month target | — | $17.00 | $2.50 | $8.95 |
| # AnalystsCovering analysts | — | 6 | 12 | 12 |
| Dividend YieldAnnual dividend ÷ price | +10.8% | +100.0% | +14.0% | +17.1% |
| Dividend StreakConsecutive years of raises | 0 | 1 | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.46 | $2045.71 | $0.22 | $1.02 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.0% | 0.0% | +7.6% | 0.0% |
REFI leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
REFI leads in 2 of 6 categories (Total Returns, Analyst Outlook). GPMT leads in 1 (Valuation Metrics). 2 tied.
Best OverallChicago Atlantic Real Estat… (REFI)Leads 2 of 6 categories
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LOAN vs REFI vs GPMT vs TPVG: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is LOAN or REFI or GPMT or TPVG a better buy right now?
For growth investors, Granite Point Mortgage Trust Inc.
(GPMT) is the stronger pick with 187. 8% revenue growth year-over-year, versus 15. 2% for Chicago Atlantic Real Estate Finance, Inc. (REFI). TriplePoint Venture Growth BDC Corp. (TPVG) offers the better valuation at 4. 9x trailing P/E (6. 2x forward), making it the more compelling value choice. Analysts rate Chicago Atlantic Real Estate Finance, Inc. (REFI) a "Buy" — 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.
02Which has the better valuation — LOAN or REFI or GPMT or TPVG?
On trailing P/E, TriplePoint Venture Growth BDC Corp.
(TPVG) is the cheapest at 4. 9x versus Manhattan Bridge Capital, Inc. at 8. 6x. On forward P/E, TriplePoint Venture Growth BDC Corp. is actually cheaper at 6. 2x.
03Which is the better long-term investment — LOAN or REFI or GPMT or TPVG?
Over the past 5 years, Chicago Atlantic Real Estate Finance, Inc.
(REFI) delivered a total return of +24. 7%, compared to -65. 3% for Granite Point Mortgage Trust Inc. (GPMT). Over 10 years, the gap is even starker: LOAN returned +103. 7% versus GPMT's -50. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — LOAN or REFI or GPMT or TPVG?
By beta (market sensitivity over 5 years), Manhattan Bridge Capital, Inc.
(LOAN) is the lower-risk stock at 0. 09β versus Granite Point Mortgage Trust Inc. 's 1. 42β — meaning GPMT is approximately 1447% more volatile than LOAN relative to the S&P 500. On balance sheet safety, Chicago Atlantic Real Estate Finance, Inc. (REFI) carries a lower debt/equity ratio of 32% versus 2% for Granite Point Mortgage Trust Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — LOAN or REFI or GPMT or TPVG?
By revenue growth (latest reported year), Granite Point Mortgage Trust Inc.
(GPMT) is pulling ahead at 187. 8% versus 15. 2% for Chicago Atlantic Real Estate Finance, Inc. (REFI). On earnings-per-share growth, the picture is similar: Granite Point Mortgage Trust Inc. grew EPS 73. 7% year-over-year, compared to -10. 6% for Chicago Atlantic Real Estate Finance, Inc.. Over a 3-year CAGR, GPMT leads at 22. 9% 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.
06Which has better profit margins — LOAN or REFI or GPMT or TPVG?
Manhattan Bridge Capital, Inc.
(LOAN) is the more profitable company, earning 57. 7% net margin versus -28. 3% for Granite Point Mortgage Trust 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 43. 6% for GPMT. At the gross margin level — before operating expenses — REFI leads at 86. 9%, 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.
07Is LOAN or REFI or GPMT or TPVG more undervalued right now?
On forward earnings alone, TriplePoint Venture Growth BDC Corp.
(TPVG) trades at 6. 2x forward P/E versus 6. 5x for Chicago Atlantic Real Estate Finance, Inc. — 0. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GPMT: 61. 3% to $2. 50.
08Which pays a better dividend — LOAN or REFI or GPMT or TPVG?
All stocks in this comparison pay dividends.
Chicago Atlantic Real Estate Finance, Inc. (REFI) offers the highest yield at 100. 0%, versus 10. 8% for Manhattan Bridge Capital, Inc. (LOAN).
09Is LOAN or REFI or GPMT or TPVG 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. 09), 10. 8% yield, +103. 7% 10Y return). Both have compounded well over 10 years (LOAN: +103. 7%, GPMT: -50. 4%), 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.
10What are the main differences between LOAN and REFI and GPMT and TPVG?
These companies operate in different sectors (LOAN (Real Estate) and REFI (Real Estate) and GPMT (Real Estate) and TPVG (Financial Services)), 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.
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Revenue Growth>
%
(LOAN: 14.6% · REFI: -100.0%)Net Margin>
%
(LOAN: 70.0% · REFI: 10972.3%)P/E Ratio<
x
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