WallStSmart

Manhattan Bridge Capital Inc (LOAN)vsRithm Capital Corp. (RITM)

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Smart Verdict

WallStSmart Research — data-driven comparison

Rithm Capital Corp. generates 64706% more annual revenue ($4.32B vs $6.66M). LOAN leads profitability with a 71.9% profit margin vs 10.8%. LOAN trades at a lower P/E of 8.3x. RITM earns a higher WallStSmart Score of 49/100 (D+).

LOAN

Hold

49

out of 100

Grade: D+

Growth: 4.0Profit: 8.0Value: 6.7Quality: 7.5
Piotroski: 4/9Altman Z: 1.76

RITM

Hold

49

out of 100

Grade: D+

Growth: 6.0Profit: 5.5Value: 7.7Quality: 3.5
Piotroski: 2/9Altman Z: 0.40
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for LOAN.

RITMUndervalued (+83.1%)

Margin of Safety

+83.1%

Fair Value

$63.34

Current Price

$9.40

$53.94 discount

UndervaluedFair: $63.34Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LOAN4 strengths · Avg: 10.0/10
P/E RatioValuation
8.3x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
71.9%10/10

Keeps 72 of every $100 in revenue as profit

Operating MarginProfitability
73.3%10/10

Strong operational efficiency at 73.3%

RITM2 strengths · Avg: 9.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

P/E RatioValuation
14.4x8/10

Attractively priced relative to earnings

Areas to Watch

LOAN4 concerns · Avg: 3.8/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

EPS GrowthGrowth
3.3%4/10

3.3% earnings growth

Altman Z-ScoreHealth
1.764/10

Distress zone — elevated risk

Market CapQuality
$39.49M3/10

Smaller company, higher risk/reward

RITM3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-93.2%2/10

Earnings declined 93.2%

Altman Z-ScoreHealth
0.402/10

Distress zone — elevated risk

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 71.9% and operating margin at 73.3%.

Bull Case : RITM

The strongest argument for RITM centers on Price/Book, P/E Ratio.

Bear Case : LOAN

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

Bear Case : RITM

The primary concerns for RITM are Piotroski F-Score, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

RITM carries more volatility with a beta of 1.16 — expect wider price swings.

RITM is growing revenue faster at 9.7% — sustainability is the question.

RITM generates stronger free cash flow (172M), providing more financial flexibility.

Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LOAN scores higher overall (49/100 vs 49/100), backed by strong 71.9% margins. RITM offers better value entry with a 83.1% margin of safety. 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.

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Rithm Capital Corp.

REAL ESTATE · REIT - MORTGAGE · USA

Rhythm Capital Corp. The company is headquartered in New York, New York.

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