Manhattan Bridge Capital, Inc. (LOAN) Financial Ratios
27 years of historical data (1998–2024) · Real Estate · REIT - Mortgage
EV/EBITDA
↓
8.97
↓-31% vs avg
5yr avg: 13.00
30Y Low1.7·High18.7
P/FCF
↑
9.87
↓-17% vs avg
5yr avg: 11.91
30Y Low5.8·High36.1
P/B Ratio
↓
1.12
↓-21% vs avg
5yr avg: 1.43
30Y Low0.3·High1.9
ROE
↓
13.0%
↓+3% vs avg
5yr avg: 12.6%
30Y Low-15%·High80%
Debt/EBITDA
↓
2.85
↓-31% vs avg
5yr avg: 4.11
30Y Low2.1·High8.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
LOAN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Manhattan Bridge Capital, Inc. trades at 8.7x earnings, 26% below its 5-year average of 11.7x, sitting at the 5th percentile of its historical range. Compared to the Real Estate sector median P/E of 24.3x, the stock trades at a discount of 64%. On a free-cash-flow basis, the stock trades at 9.9x P/FCF, 17% below the 5-year average of 11.9x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $49M | $64M | $57M | $61M | $58M | $50M | $61M | $49M | $48M | $58M | $30M |
| Enterprise Value | $71M | $86M | $88M | $92M | $79M | $76M | $82M | $71M | $71M | $70M | $43M |
| P/E Ratio → | 8.67 | 11.43 | 10.35 | 11.84 | 13.10 | 11.84 | 13.53 | 11.71 | 14.17 | 20.54 | 13.30 |
| P/S Ratio | 5.02 | 6.61 | 7.81 | 9.06 | 10.03 | 8.86 | 10.75 | 8.95 | 10.32 | 14.98 | 9.01 |
| P/B Ratio | 1.12 | 1.48 | 1.33 | 1.43 | 1.33 | 1.57 | 1.92 | 0.92 | 1.09 | 1.70 | 1.68 |
| P/FCF | 9.87 | 13.00 | 10.17 | 11.86 | 12.58 | 11.91 | 13.86 | 11.34 | 13.98 | 18.97 | 14.10 |
| P/OCF | 9.86 | 12.99 | 10.16 | 11.86 | 12.58 | 11.89 | 13.86 | 11.34 | 13.97 | 18.95 | 14.04 |
P/E links to full P/E history page with 30-year chart
LOAN EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Manhattan Bridge Capital, Inc.'s enterprise value stands at 9.0x EBITDA, 31% below its 5-year average of 13.0x. The Real Estate sector median is 16.7x, placing the stock at a 46% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 8.92 | 12.07 | 13.63 | 13.75 | 13.48 | 14.38 | 12.90 | 15.04 | 18.01 | 12.88 |
| EV / EBITDA | 8.97 | 10.92 | 16.17 | 10.73 | 13.73 | 13.46 | 11.20 | 7.99 | 11.91 | 14.95 | 18.74 |
| EV / EBIT | 8.97 | 10.93 | 11.06 | 13.14 | 14.56 | 13.71 | 18.27 | 16.97 | 15.11 | 19.21 | 14.54 |
| EV / FCF | — | 17.54 | 15.72 | 17.85 | 17.26 | 18.12 | 18.54 | 16.36 | 20.38 | 22.80 | 20.17 |
LOAN Profitability
Margins and return-on-capital ratios measuring operating efficiency
Manhattan Bridge Capital, Inc. earns an operating margin of 81.6%, significantly above the Real Estate sector average of 25.0%. Operating margins have compressed from 104.0% to 81.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 13.0% is modest. ROIC of 8.5% represents adequate returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 76.0% | 76.0% | 99.6% | 99.9% | 99.8% | 99.9% | 99.9% | 99.9% | 99.8% | 99.7% | 99.8% |
| Operating Margin | 81.6% | 81.6% | 74.5% | 104.0% | 76.6% | 74.7% | 78.7% | 106.8% | 73.8% | 73.9% | 68.6% |
| Net Profit Margin | 57.7% | 57.7% | 75.0% | 77.1% | 76.6% | 74.7% | 78.7% | 76.1% | 73.3% | 73.5% | 67.7% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.0% | 13.0% | 12.8% | 12.1% | 11.7% | 13.2% | 10.5% | 8.6% | 8.8% | 11.0% | 14.2% |
| ROA | 7.7% | 7.7% | 7.2% | 7.3% | 7.0% | 7.4% | 8.1% | 8.3% | 8.5% | 8.5% | 8.0% |
| ROIC | 8.5% | 8.5% | 5.5% | 7.6% | 5.4% | 5.7% | 5.3% | 6.2% | 4.6% | 5.6% | 6.2% |
| ROCE | 11.3% | 11.3% | 7.3% | 10.1% | 8.5% | 9.2% | 10.6% | 19.8% | 12.5% | 12.6% | 14.4% |
LOAN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Manhattan Bridge Capital, Inc. carries a Debt/EBITDA ratio of 2.8x, which is moderately leveraged (64% below the sector average of 7.8x). Net debt stands at $22M ($23M total debt minus $178012 cash). Interest coverage of 3.4x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.52 | 0.52 | 0.73 | 0.72 | 0.50 | 0.82 | 0.65 | 0.41 | 0.50 | 0.35 | 0.73 |
| Debt / EBITDA | 2.85 | 2.85 | 5.73 | 3.61 | 3.75 | 4.64 | 2.84 | 2.47 | 3.77 | 2.54 | 5.68 |
| Net Debt / Equity | — | 0.52 | 0.72 | 0.72 | 0.50 | 0.82 | 0.65 | 0.41 | 0.50 | 0.34 | 0.72 |
| Net Debt / EBITDA | 2.83 | 2.83 | 5.71 | 3.60 | 3.72 | 4.61 | 2.83 | 2.45 | 3.74 | 2.51 | 5.63 |
| Debt / FCF | — | 4.54 | 5.55 | 5.99 | 4.68 | 6.21 | 4.68 | 5.02 | 6.40 | 3.83 | 6.06 |
| Interest Coverage | 3.38 | 3.38 | 2.15 | 3.86 | 4.23 | 3.12 | 2.75 | 3.47 | 2.82 | 3.66 | 3.28 |
LOAN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Manhattan Bridge Capital, Inc.'s current ratio of 31.09x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has declined from 31.70x to 31.09x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 31.09 | 31.09 | 3.84 | 31.70 | 30.77 | 0.05 | 33.24 | 2.34 | 2.51 | 3.62 | 1.49 |
| Quick Ratio | 31.09 | 31.09 | 3.84 | 31.70 | 30.77 | 0.05 | 33.24 | 2.34 | 2.51 | 0.06 | 0.04 |
| Cash Ratio | 0.08 | 0.08 | 1.07 | 0.04 | 0.07 | 0.01 | 0.07 | 0.01 | 0.01 | 0.01 | 0.01 |
| Asset Turnover | — | 0.14 | 0.10 | 0.09 | 0.09 | 0.09 | 0.10 | 0.10 | 0.10 | 0.11 | 0.10 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
LOAN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Manhattan Bridge Capital, Inc. returns 10.8% to shareholders annually — split between a 10.8% dividend yield and 0.0% buyback yield. The payout ratio of 93.6% is elevated — while still covered by earnings, there is limited headroom for dividend increases. The earnings yield of 11.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 10.8% | 8.2% | 9.3% | 9.4% | 8.6% | 8.3% | 7.5% | 8.1% | 6.8% | 4.7% | 7.1% |
| Payout Ratio | 93.6% | 93.6% | 96.9% | 110.3% | 112.8% | 98.0% | 103.2% | 95.1% | 95.6% | 95.3% | 95.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 11.5% | 8.8% | 9.7% | 8.4% | 7.6% | 8.4% | 7.4% | 8.5% | 7.1% | 4.9% | 7.5% |
| FCF Yield | 10.1% | 7.7% | 9.8% | 8.4% | 7.9% | 8.4% | 7.2% | 8.8% | 7.2% | 5.3% | 7.1% |
| Buyback Yield | 0.0% | 0.0% | 0.5% | 0.0% | 0.0% | 0.4% | 0.0% | 0.1% | 0.4% | 0.0% | 0.0% |
| Total Shareholder Yield | 10.8% | 8.2% | 9.8% | 9.4% | 8.6% | 8.6% | 7.6% | 8.2% | 7.2% | 4.7% | 7.1% |
| Shares Outstanding | — | $11M | $11M | $11M | $11M | $10M | $10M | $9M | $8M | $8M | $7M |
Peer Comparison
Compare LOAN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 LOANYou | $49M | 8.7 | 9.0 | 9.9 | 76.0% | 81.6% | 13.0% | 8.5% | 2.8 |
 GPMT | $71M | -1.3 | 20.7 | 26.6 | 83.0% | 43.6% | -7.0% | 2.6% | 20.6 |
 TPVG | $226M | 4.6 | 8.9 | — | 83.5% | 77.9% | 14.1% | 7.2% | 6.2 |
 FBRT | $705M | 14.3 | 49.1 | 2.4 | — | — | 5.4% | 1.2% | 43.6 |
 SACH | $51M | 27.3 | 11.3 | 20.5 | 97.8% | 58.8% | 3.5% | 4.8% | 9.8 |
 REFI | $258M | 7.3 | — | 0.0 | — | — | 23.4% | — | — |
 RC | $330M | -0.8 | — | — | 100.0% | — | -19.0% | — | — |
 ACRE | $287M | -318.3 | 18.6 | 13.5 | 67.2% | 72.4% | -0.2% | 2.9% | 14.9 |
 KREF | $422M | -6.3 | 18.3 | 6.3 | 88.3% | 59.3% | -3.6% | 3.4% | 17.1 |
 TRTX | $664M | 15.1 | 15.1 | 7.3 | 79.3% | 73.0% | 5.5% | 4.7% | 12.9 |
 BRSP | $775M | -22.9 | 19.0 | 10.6 | 49.6% | 39.5% | -3.2% | 3.0% | 14.8 |
| Real Estate Median | — | 24.3 | 16.7 | 15.7 | 50.7% | 25.0% | 3.5% | 2.6% | 7.8 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonLOAN — Frequently Asked Questions
Quick answers to the most common questions about buying LOAN stock.
What is Manhattan Bridge Capital, Inc.'s P/E ratio?
Manhattan Bridge Capital, Inc.'s current P/E ratio is 8.7x. The historical average is 13.2x. This places it at the 5th percentile of its historical range.
What is Manhattan Bridge Capital, Inc.'s EV/EBITDA?
Manhattan Bridge Capital, Inc.'s current EV/EBITDA is 9.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.1x.
What is Manhattan Bridge Capital, Inc.'s ROE?
Manhattan Bridge Capital, Inc.'s return on equity (ROE) is 13.0%. The historical average is 8.7%.
Is LOAN stock overvalued?
Based on historical data, Manhattan Bridge Capital, Inc. is trading at a P/E of 8.7x. This is at the 5th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Manhattan Bridge Capital, Inc.'s dividend yield?
Manhattan Bridge Capital, Inc.'s current dividend yield is 10.77% with a payout ratio of 93.6%.
What are Manhattan Bridge Capital, Inc.'s profit margins?
Manhattan Bridge Capital, Inc. has 76.0% gross margin and 81.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Manhattan Bridge Capital, Inc. have?
Manhattan Bridge Capital, Inc.'s Debt/EBITDA ratio is 2.8x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.