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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 1.76
LOAN's Cash to Debt is ranked higher than
85% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. LOAN: 1.76 )
LOAN' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: 1.76

Equity to Asset 0.55
LOAN's Equity to Asset is ranked higher than
88% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. LOAN: 0.55 )
LOAN' s 10-Year Equity to Asset Range
Min: 0.17   Max: 0.97
Current: 0.55

0.17
0.97
Interest Coverage 2.21
LOAN's Interest Coverage is ranked higher than
62% of the 110 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 vs. LOAN: 2.21 )
LOAN' s 10-Year Interest Coverage Range
Min: 2.21   Max: 9999.99
Current: 2.21

2.21
9999.99
F-Score: 5
Z-Score: 1.23
M-Score: -2.50
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 43.23
LOAN's Operating margin (%) is ranked higher than
84% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 25.26 vs. LOAN: 43.23 )
LOAN' s 10-Year Operating margin (%) Range
Min: -477.16   Max: 43.23
Current: 43.23

-477.16
43.23
Net-margin (%) 25.80
LOAN's Net-margin (%) is ranked higher than
80% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. LOAN: 25.80 )
LOAN' s 10-Year Net-margin (%) Range
Min: -75   Max: 26.36
Current: 25.8

-75
26.36
ROE (%) 6.56
LOAN's ROE (%) is ranked higher than
59% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 11.35 vs. LOAN: 6.56 )
LOAN' s 10-Year ROE (%) Range
Min: -15.61   Max: 80
Current: 6.56

-15.61
80
ROA (%) 3.62
LOAN's ROA (%) is ranked higher than
78% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. LOAN: 3.62 )
LOAN' s 10-Year ROA (%) Range
Min: -8.02   Max: 13.33
Current: 3.62

-8.02
13.33
Revenue Growth (%) 13.80
LOAN's Revenue Growth (%) is ranked higher than
81% of the 113 Companies
in the Global Credit Services industry.

( Industry Median: 5.80 vs. LOAN: 13.80 )
LOAN' s 10-Year Revenue Growth (%) Range
Min: -71.5   Max: 72.6
Current: 13.8

-71.5
72.6
EBITDA Growth (%) 24.70
LOAN's EBITDA Growth (%) is ranked higher than
91% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. LOAN: 24.70 )
LOAN' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 40.9
Current: 24.7

0
40.9
EPS Growth (%) 15.90
LOAN's EPS Growth (%) is ranked higher than
68% of the 94 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. LOAN: 15.90 )
LOAN' s 10-Year EPS Growth (%) Range
Min: -52.4   Max: 158.8
Current: 15.9

-52.4
158.8
» LOAN's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.90
LOAN's P/E(ttm) is ranked higher than
58% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 12.40 vs. LOAN: 12.90 )
LOAN' s 10-Year P/E(ttm) Range
Min: 3.46   Max: 24.67
Current: 12.9

3.46
24.67
P/B 0.90
LOAN's P/B is ranked higher than
80% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. LOAN: 0.90 )
LOAN' s 10-Year P/B Range
Min: 0.26   Max: 2.17
Current: 0.9

0.26
2.17
P/S 3.54
LOAN's P/S is ranked lower than
62% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. LOAN: 3.54 )
LOAN' s 10-Year P/S Range
Min: 0.97   Max: 25.29
Current: 3.54

0.97
25.29
PFCF 9.70
LOAN's PFCF is ranked higher than
51% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. LOAN: 9.70 )
LOAN' s 10-Year PFCF Range
Min: 3.93   Max: 311
Current: 9.7

3.93
311
EV-to-EBIT 2.90
LOAN's EV-to-EBIT is ranked higher than
97% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 16.90 vs. LOAN: 2.90 )
LOAN' s 10-Year EV-to-EBIT Range
Min: 0.4   Max: 521.6
Current: 2.9

0.4
521.6
PEG 0.50
LOAN's PEG is ranked higher than
79% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. LOAN: 0.50 )
LOAN' s 10-Year PEG Range
Min: 0.01   Max: 0.5
Current: 0.5

0.01
0.5
Shiller P/E 31.90
LOAN's Shiller P/E is ranked lower than
76% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 18.31 vs. LOAN: 31.90 )
LOAN' s 10-Year Shiller P/E Range
Min: 5.64   Max: 103
Current: 31.9

5.64
103

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.14
LOAN's Dividend Yield is ranked lower than
54% of the 96 Companies
in the Global Credit Services industry.

( Industry Median: 2.24 vs. LOAN: 2.14 )
LOAN' s 10-Year Dividend Yield Range
Min: 0.59   Max: 29.63
Current: 2.14

0.59
29.63
Dividend Payout 0.22
LOAN's Dividend Payout is ranked higher than
76% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 0.31 vs. LOAN: 0.22 )
LOAN' s 10-Year Dividend Payout Range
Min: 0.21   Max: 0.88
Current: 0.22

0.21
0.88
Yield on cost (5-Year) 2.10
LOAN's Yield on cost (5-Year) is ranked lower than
71% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 2.94 vs. LOAN: 2.10 )
LOAN' s 10-Year Yield on cost (5-Year) Range
Min: 0.59   Max: 29.63
Current: 2.1

0.59
29.63
Share Buyback Rate -8.40
LOAN's Share Buyback Rate is ranked higher than
55% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: -1.50 vs. LOAN: -8.40 )
LOAN' s 10-Year Share Buyback Rate Range
Min: 0.1   Max: -28.2
Current: -8.4

Valuation & Return

vs
industry
vs
history
Price/Net Cash 1.80
LOAN's Price/Net Cash is ranked higher than
67% of the 6 Companies
in the Global Credit Services industry.

( Industry Median: 19.00 vs. LOAN: 1.80 )
LOAN' s 10-Year Price/Net Cash Range
Min: 0.87   Max: 12.14
Current: 1.8

0.87
12.14
Price/Net Current Asset Value 1.70
LOAN's Price/Net Current Asset Value is ranked higher than
77% of the 30 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. LOAN: 1.70 )
LOAN' s 10-Year Price/Net Current Asset Value Range
Min: 0.43   Max: 2.13
Current: 1.7

0.43
2.13
Price/Tangible Book 0.90
LOAN's Price/Tangible Book is ranked higher than
80% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. LOAN: 0.90 )
LOAN' s 10-Year Price/Tangible Book Range
Min: 0.33   Max: 1.62
Current: 0.9

0.33
1.62
Price/DCF (Projected) 0.60
LOAN's Price/DCF (Projected) is ranked higher than
65% of the 60 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. LOAN: 0.60 )
LOAN' s 10-Year Price/DCF (Projected) Range
Min: 0.52   Max: 2.14
Current: 0.6

0.52
2.14
Price/Median PS Value 1.20
LOAN's Price/Median PS Value is ranked higher than
62% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. LOAN: 1.20 )
LOAN' s 10-Year Price/Median PS Value Range
Min: 0.24   Max: 7.61
Current: 1.2

0.24
7.61
Price/Peter Lynch Fair Value 0.50
LOAN's Price/Peter Lynch Fair Value is ranked higher than
64% of the 39 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. LOAN: 0.50 )
LOAN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.49   Max: 0.94
Current: 0.5

0.49
0.94
Price/Graham Number 0.70
LOAN's Price/Graham Number is ranked higher than
73% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. LOAN: 0.70 )
LOAN' s 10-Year Price/Graham Number Range
Min: 0.53   Max: 2.5
Current: 0.7

0.53
2.5
Earnings Yield (Greenblatt) 34.40
LOAN's Earnings Yield (Greenblatt) is ranked higher than
97% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. LOAN: 34.40 )
LOAN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 268
Current: 34.4

0.2
268
Forward Rate of Return (Yacktman) 1181.67
LOAN's Forward Rate of Return (Yacktman) is ranked higher than
99% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 12.04 vs. LOAN: 1181.67 )
LOAN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -18.2   Max: 1182.9
Current: 1181.67

-18.2
1182.9

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, RDCRL, AXP » details
Manhattan Bridge Capital, Inc., was incorporated in New York in 1989. The Company provides short-term, secured, non-banking loans to real estate investors (also known as hard money) to fund their acquisition and construction of properties located in the New York Metropolitan area. The loans are principally secured by collateral consisting of real estate and, generally, accompanied by personal guarantees from the principals of the businesses. The loans are generally for a term of one year. Most of the loans provide for receipt of interest only during the term of the loan and a balloon payment at the end of the term. The Company uses its own employees, outside lawyers and other independent professionals to verify titles and ownership, to file liens and to consummate the transactions. Outside appraisers are used to assist the Company's officials in evaluating the worth of collateral, when deemed necessary by management. The Company also uses independent construction inspectors as well as mortgage brokers and deal initiators. The Company offers its loans primarily through the Company's officers and independent loan brokers. The Company faces intense competition in its business from numerous bank and non-bank providers of commercial loans. The Company's competitors include bank and institutional commercial lenders in the mortgage lending businesses, such as lending institutions and non-depository institutions that are able to offer the same products and services. The Company is subject to laws and regulations relating to business corporations generally, such as the Occupational Safety and Health Act, Fair Employment Practices and minimum wage standards.

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