WallStSmart

Manhattan Bridge Capital Inc (LOAN)vsStarwood Property Trust Inc (STWD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Starwood Property Trust Inc generates 8963% more annual revenue ($597.28M vs $6.59M). LOAN leads profitability with a 72.1% profit margin vs 38.2%. LOAN trades at a lower P/E of 9.8x. STWD earns a higher WallStSmart Score of 49/100 (D+).

LOAN

Hold

45

out of 100

Grade: D+

Growth: 2.7Profit: 8.0Value: 6.7Quality: 7.5
Piotroski: 4/9Altman Z: 1.76

STWD

Hold

49

out of 100

Grade: D+

Growth: 4.7Profit: 5.0Value: 6.7Quality: 2.5
Piotroski: 2/9Altman Z: 0.03
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for LOAN.

STWDUndervalued (+84.8%)

Margin of Safety

+84.8%

Fair Value

$118.70

Current Price

$15.62

$103.08 discount

UndervaluedFair: $118.70Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LOAN4 strengths · Avg: 10.0/10
P/E RatioValuation
9.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
72.1%10/10

Keeps 72 of every $100 in revenue as profit

Operating MarginProfitability
69.8%10/10

Strong operational efficiency at 69.8%

STWD2 strengths · Avg: 10.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
38.2%10/10

Keeps 38 of every $100 in revenue as profit

Areas to Watch

LOAN4 concerns · Avg: 2.8/10
Altman Z-ScoreHealth
1.764/10

Distress zone — elevated risk

Market CapQuality
$46.84M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-11.0%2/10

Revenue declined 11.0%

EPS GrowthGrowth
-16.7%2/10

Earnings declined 16.7%

STWD4 concerns · Avg: 3.5/10
PEG RatioValuation
1.744/10

Expensive relative to growth rate

P/E RatioValuation
26.9x4/10

Moderate valuation

Return on EquityProfitability
5.3%3/10

ROE of 5.3% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : LOAN

The strongest argument for LOAN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 72.1% and operating margin at 69.8%.

Bull Case : STWD

The strongest argument for STWD centers on Price/Book, Profit Margin. Profitability is solid with margins at 38.2% and operating margin at -5.9%. Revenue growth of 13.4% demonstrates continued momentum.

Bear Case : LOAN

The primary concerns for LOAN are Altman Z-Score, Market Cap, Revenue Growth.

Bear Case : STWD

The primary concerns for STWD are PEG Ratio, P/E Ratio, Return on Equity. Debt-to-equity of 3.65 is elevated, increasing financial risk.

Key Dynamics to Monitor

LOAN profiles as a declining stock while STWD is a mature play — different risk/reward profiles.

STWD carries more volatility with a beta of 1.03 — expect wider price swings.

STWD is growing revenue faster at 13.4% — sustainability is the question.

LOAN generates stronger free cash flow (1M), providing more financial flexibility.

Bottom Line

STWD scores higher overall (49/100 vs 45/100), backed by strong 38.2% margins and 13.4% revenue growth. Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Manhattan Bridge Capital Inc

REAL ESTATE · REIT - MORTGAGE · USA

Manhattan Bridge Capital, Inc., a real estate financing company, originates, services, and manages a portfolio of initial home loans in the United States. The company is headquartered in Great Neck, New York.

Visit Website →

Starwood Property Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

Starwood Property Trust, Inc. is a real estate investment trust (REIT) in the United States and Europe. The company is headquartered in Greenwich, Connecticut.

Want to dig deeper into these stocks?