MFIN vs. LOAN

Last updated Jun 4, 2026

MFIN (Medallion Financial Corp.) and LOAN (Manhattan Bridge Capital, Inc.) are both stocks. MFIN operates in Credit Services (Financial Services), while LOAN operates in REIT - Mortgage (Real Estate). Over the past 10 years, MFIN returned 4.88%/yr vs 7.73%/yr for LOAN. At a 0.04 correlation, their price movements are largely independent.

Performance

MFIN vs. LOAN - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Medallion Financial Corp. (MFIN) and Manhattan Bridge Capital, Inc. (LOAN). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, MFIN achieves a -4.33% return, which is significantly higher than LOAN's -6.68% return. Over the past 10 years, MFIN has underperformed LOAN with an annualized return of 4.88%, while LOAN has yielded a comparatively higher 7.73% annualized return.

MFIN

• 1D: -2.60%
• 1M: 5.44%
• YTD: -4.33%
• 6M: -3.77%
• 1Y: 7.46%
• 3Y*: 16.52%
• 5Y*: 4.96%
• 10Y*: 4.88%

LOAN

• 1D: -0.66%
• 1M: -2.08%
• YTD: -6.68%
• 6M: -5.96%
• 1Y: -10.92%
• 3Y*: 4.73%
• 5Y*: -0.68%
• 10Y*: 7.73%

*Multi-year figures are annualized to reflect compound growth (CAGR)

MFIN vs. LOAN - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
MFIN Medallion Financial Corp.	-4.33%	15.09%	0.15%	43.96%	28.37%	18.37%	-32.60%	55.01%	32.86%	16.89%
LOAN Manhattan Bridge Capital, Inc.	-6.68%	-9.37%	22.47%	2.12%	5.67%	13.92%	-10.36%	21.90%	1.46%	-16.15%

Correlation

The correlation between MFIN and LOAN is 0.18, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.18
Correlation (3Y) Calculated over the trailing 3-year period	0.12
Correlation (5Y) Calculated over the trailing 5-year period	0.12
Correlation (10Y) Calculated over the trailing 10-year period	0.09
Correlation (All Time) Calculated using the full available price history since May 14, 1999	0.04

The correlation between MFIN and LOAN shifts across timeframes, from 0.04 (all time) to 0.18 (1 year), reflecting how their relationship changes across market environments.

Fundamentals

Market Cap MFIN : $234.90M LOAN : $48.47M
EPS MFIN : $1.62 LOAN : $0.44
PE Ratio MFIN : 5.91 LOAN : 9.67
PEG Ratio MFIN : 744.02 LOAN : 5.01
PS Ratio MFIN : 0.69 LOAN : 5.72
PB Ratio MFIN : 0.58 LOAN : 1.12
Total Revenue (TTM) MFIN : $336.20M LOAN : $8.47M
Gross Profit (TTM) MFIN : $164.92M LOAN : $6.80M
EBITDA (TTM) MFIN : $89.06M LOAN : $5.02M

Return for Risk

MFIN vs. LOAN — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

MFIN

MFIN Risk / Return Rank: 47
MFIN Sharpe Ratio Rank: 49
MFIN Sortino Ratio Rank: 44
MFIN Omega Ratio Rank: 42
MFIN Calmar Ratio Rank: 47
MFIN Martin Ratio Rank: 50

LOAN

LOAN Risk / Return Rank: 21
LOAN Sharpe Ratio Rank: 19
LOAN Sortino Ratio Rank: 18
LOAN Omega Ratio Rank: 18
LOAN Calmar Ratio Rank: 23
LOAN Martin Ratio Rank: 26

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

MFIN vs. LOAN - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Medallion Financial Corp. (MFIN) and Manhattan Bridge Capital, Inc. (LOAN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	MFIN	LOAN	Difference
Sharpe ratio Return per unit of total volatility	0.23	-0.51	+0.74
Sortino ratio Return per unit of downside risk	0.59	-0.59	+1.19
Omega ratio Gain probability vs. loss probability	1.07	0.93	+0.14
Calmar ratio Return relative to maximum drawdown	0.30	-0.50	+0.80
Martin ratio Return relative to average drawdown	0.87	-0.80	+1.67
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

MFIN vs. LOAN - Sharpe Ratio Comparison

The current MFIN Sharpe Ratio is 0.23, which is higher than the LOAN Sharpe Ratio of -0.51. The chart below compares the historical Sharpe Ratios of MFIN and LOAN, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	MFIN	LOAN	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.23	-0.51	+0.74
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.12	-0.03	+0.15
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.08	0.23	-0.14
Sharpe Ratio (All Time) Calculated using the full available price history	0.08	0.06	+0.02

Drawdowns

MFIN vs. LOAN - Drawdown Comparison

The maximum MFIN drawdown since its inception was -90.32%, roughly equal to the maximum LOAN drawdown of -90.93%. Use the drawdown chart below to compare losses from any high point for MFIN and LOAN.

Drawdown Indicators

	MFIN	LOAN	Difference
Max Drawdown Largest peak-to-trough decline	-90.32%	-90.93%	+0.61%
Max Drawdown (1Y) Largest decline over 1 year	-24.95%	-22.10%	-2.85%
Max Drawdown (3Y) Largest decline over 3 years	-37.10%	-22.22%	-14.88%
Max Drawdown (5Y) Largest decline over 5 years	-41.06%	-32.59%	-8.47%
Max Drawdown (10Y) Largest decline over 10 years	-83.35%	-59.16%	-24.19%
Current Drawdown Current decline from peak	-13.35%	-20.40%	+7.05%
Average Drawdown Average peak-to-trough decline	-43.36%	-45.90%	+2.54%
Ulcer Index Depth and duration of drawdowns from previous peaks	8.59%	13.60%	-5.01%

Volatility

MFIN vs. LOAN - Volatility Comparison

Medallion Financial Corp. (MFIN) has a higher volatility of 7.23% compared to Manhattan Bridge Capital, Inc. (LOAN) at 4.45%. This indicates that MFIN's price experiences larger fluctuations and is considered to be riskier than LOAN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	MFIN	LOAN	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.23%	4.45%	+2.78%
Volatility (6M) Calculated over the trailing 6-month period	21.59%	14.21%	+7.38%
Volatility (1Y) Calculated over the trailing 1-year period	32.01%	21.71%	+10.30%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	41.30%	26.09%	+15.21%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	59.47%	34.42%	+25.05%

Dividends

MFIN vs. LOAN - Dividend Comparison

MFIN's dividend yield for the trailing twelve months is around 5.22%, less than LOAN's 10.73% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
LOAN Manhattan Bridge Capital, Inc.	10.73%	9.89%	8.21%	9.05%	9.38%	8.82%	8.06%	7.55%	8.54%	6.97%	4.93%	9.68%
MFIN Medallion Financial Corp.	5.22%	4.57%	4.37%	3.45%	4.48%	0.00%	0.00%	0.00%	0.00%	0.00%	19.87%	14.06%

Financials

MFIN vs. LOAN - Profitability Comparison

The chart below illustrates the profitability comparison between Medallion Financial Corp. and Manhattan Bridge Capital, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

MFIN - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Medallion Financial Corp. reported a gross profit of 0.00 and revenue of 79.07M. Therefore, the gross margin over that period was 0.0%.

LOAN - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Manhattan Bridge Capital, Inc. reported a gross profit of 1.70M and revenue of 2.07M. Therefore, the gross margin over that period was 82.4%.

MFIN - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Medallion Financial Corp. reported an operating income of 0.00 and revenue of 79.07M, resulting in an operating margin of 0.0%.

LOAN - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Manhattan Bridge Capital, Inc. reported an operating income of 1.27M and revenue of 2.07M, resulting in an operating margin of 61.6%.

MFIN - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Medallion Financial Corp. reported a net income of 4.95M and revenue of 79.07M, resulting in a net margin of 6.3%.

LOAN - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Manhattan Bridge Capital, Inc. reported a net income of 1.27M and revenue of 2.07M, resulting in a net margin of 61.6%.

Frequently Asked Questions

Can I hold both MFIN and LOAN in my portfolio?

MFIN and LOAN have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, MFIN or LOAN?

MFIN has higher volatility (7.23%) compared to LOAN (4.45%). In terms of maximum drawdown, MFIN dropped -90.32% vs LOAN's -90.93%.

Which has better risk-adjusted returns?

MFIN currently has the higher Sharpe Ratio (0.23 vs -0.51), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.