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SCCE vs LOAN
Revenue, margins, valuation, and 5-year total return — side by side.
REIT - Mortgage
SCCE vs LOAN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | REIT - Industrial | REIT - Mortgage |
| Market Cap | $1.14B | $49M |
| Revenue (TTM) | $-13M | $8M |
| Net Income (TTM) | $4M | $5M |
| Gross Margin | — | 99.9% |
| Operating Margin | — | 58.1% |
| Forward P/E | 600.0x | 8.7x |
| Total Debt | $0.00 | $23M |
| Cash & Equiv. | $11M | $178K |
SCCE vs LOAN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Mar 22 | May 26 | Return |
|---|---|---|---|
| Sachem Capital Corp… (SCCE) | 100 | 97.2 | -2.8% |
| Manhattan Bridge Ca… (LOAN) | 100 | 66.9 | -33.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SCCE vs LOAN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
SCCE is the clearest fit if your priority is growth exposure.
- Rev growth 100.0%, EPS growth 104.3%
- 100.0% FFO/revenue growth vs LOAN's 32.7%
- +35.3% vs LOAN's -8.1%
LOAN carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 0.12, yield 10.8%
- 102.3% 10Y total return vs SCCE's 29.1%
- Lower volatility, beta 0.12, Low D/E 52.1%, current ratio 31.09x
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 100.0% FFO/revenue growth vs LOAN's 32.7% | |
| Value | Lower P/E (8.7x vs 600.0x) | |
| Stability / Safety | Beta 0.12 vs SCCE's 0.69 | |
| Dividends | 10.8% yield, vs SCCE's 0.8% | |
| Momentum (1Y) | +35.3% vs LOAN's -8.1% | |
| Efficiency (ROA) | 8.1% ROA vs SCCE's 0.8% |
SCCE vs LOAN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
LOAN leads this category, winning 2 of 2 comparable metrics.
Income & Cash Flow (Last 12 Months)
LOAN and SCCE operate at a comparable scale, with $8M and -$13M in trailing revenue. On growth, LOAN holds the edge at +14.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | -$13M | $8M |
| EBITDAEarnings before interest/tax | $551,999 | $4M |
| Net IncomeAfter-tax profit | $4M | $5M |
| Free Cash FlowCash after capex | $3M | $5M |
| Gross MarginGross profit ÷ Revenue | — | +99.9% |
| Operating MarginEBIT ÷ Revenue | — | +58.1% |
| Net MarginNet income ÷ Revenue | — | +70.0% |
| FCF MarginFCF ÷ Revenue | — | +62.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | -2.6% | +14.6% |
| EPS Growth (YoY)Latest quarter vs prior year | -81.9% | -8.3% |
Valuation Metrics
LOAN leads this category, winning 3 of 3 comparable metrics.
Valuation Metrics
At 8.7x trailing earnings, LOAN trades at a 99% valuation discount to SCCE's 600.0x P/E.
| Metric | ||
|---|---|---|
| Market CapShares × price | $1.1B | $49M |
| Enterprise ValueMkt cap + debt − cash | $1.1B | $71M |
| Trailing P/EPrice ÷ TTM EPS | 600.00x | 8.67x |
| 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 |
| Price / BookPrice ÷ Book value/share | 6.43x | 1.12x |
| Price / FCFMarket cap ÷ FCF | 457.78x | 9.87x |
Profitability & Efficiency
LOAN leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
LOAN delivers a 12.2% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $2 for SCCE. On the Piotroski fundamental quality scale (0–9), LOAN scores 7/9 vs SCCE's 5/9, reflecting strong financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +2.3% | +12.2% |
| ROA (TTM)Return on assets | +0.8% | +8.1% |
| ROICReturn on invested capital | — | +8.5% |
| ROCEReturn on capital employed | — | +11.3% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 |
| Debt / EquityFinancial leverage | — | 0.52x |
| Net DebtTotal debt minus cash | -$11M | $22M |
| Cash & Equiv.Liquid assets | $11M | $178,012 |
| Total DebtShort + long-term debt | $0 | $23M |
| Interest CoverageEBIT ÷ Interest expense | — | 3.38x |
Total Returns (Dividends Reinvested)
SCCE leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SCCE five years ago would be worth $12,914 today (with dividends reinvested), compared to $10,353 for LOAN. Over the past 12 months, SCCE leads with a +35.3% total return vs LOAN's -8.1%. The 3-year compound annual growth rate (CAGR) favors SCCE at 13.7% vs LOAN's 5.3% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +5.0% | -5.8% |
| 1-Year ReturnPast 12 months | +35.3% | -8.1% |
| 3-Year ReturnCumulative with dividends | +47.2% | +16.8% |
| 5-Year ReturnCumulative with dividends | +29.1% | +3.5% |
| 10-Year ReturnCumulative with dividends | +29.1% | +102.3% |
| CAGR (3Y)Annualised 3-year return | +13.7% | +5.3% |
Risk & Volatility
Evenly matched — SCCE and LOAN 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 SCCE's 0.69 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SCCE currently trades 97.6% from its 52-week high vs LOAN's 72.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.69x | 0.12x |
| 52-Week HighHighest price in past year | $24.59 | $5.85 |
| 52-Week LowLowest price in past year | $11.14 | $4.13 |
| % of 52W HighCurrent price vs 52-week peak | +97.6% | +72.6% |
| RSI (14)Momentum oscillator 0–100 | 65.6 | 39.5 |
| Avg Volume (50D)Average daily shares traded | 5K | 27K |
Analyst Outlook
LOAN leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
For income investors, LOAN offers the higher dividend yield at 10.77% vs SCCE's 0.84%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | +0.8% | +10.8% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.20 | $0.46 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.0% |
LOAN leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). SCCE leads in 1 (Total Returns). 1 tied.
SCCE vs LOAN: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is SCCE or LOAN a better buy right now?
For growth investors, Sachem Capital Corp.
6. 00% Note (SCCE) is the stronger pick with 100. 0% 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. 7x trailing P/E, making it the more compelling value choice. 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 — SCCE or LOAN?
On trailing P/E, Manhattan Bridge Capital, Inc.
(LOAN) is the cheapest at 8. 7x versus Sachem Capital Corp. 6. 00% Note at 600. 0x.
03Which is the better long-term investment — SCCE or LOAN?
Over the past 5 years, Sachem Capital Corp.
6. 00% Note (SCCE) delivered a total return of +29. 1%, compared to +3. 5% for Manhattan Bridge Capital, Inc. (LOAN). Over 10 years, the gap is even starker: LOAN returned +102. 3% versus SCCE's +29. 1%. 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 — SCCE or LOAN?
By beta (market sensitivity over 5 years), Manhattan Bridge Capital, Inc.
(LOAN) is the lower-risk stock at 0. 12β versus Sachem Capital Corp. 6. 00% Note's 0. 69β — meaning SCCE is approximately 480% more volatile than LOAN relative to the S&P 500.
05Which is growing faster — SCCE or LOAN?
By revenue growth (latest reported year), Sachem Capital Corp.
6. 00% Note (SCCE) is pulling ahead at 100. 0% versus 32. 7% for Manhattan Bridge Capital, Inc. (LOAN). On earnings-per-share growth, the picture is similar: Sachem Capital Corp. 6. 00% Note grew EPS 104. 3% 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.
06Which has better profit margins — SCCE or LOAN?
Manhattan Bridge Capital, Inc.
(LOAN) is the more profitable company, earning 57. 7% net margin versus 0. 0% for Sachem Capital Corp. 6. 00% Note — 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 0. 0% for SCCE. 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.
07Which pays a better dividend — SCCE or LOAN?
All stocks in this comparison pay dividends.
Manhattan Bridge Capital, Inc. (LOAN) offers the highest yield at 10. 8%, versus 0. 8% for Sachem Capital Corp. 6. 00% Note (SCCE).
08Is SCCE or LOAN 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). Both have compounded well over 10 years (LOAN: +102. 3%, SCCE: +29. 1%), 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.
09What are the main differences between SCCE and LOAN?
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.
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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