Medallion Financial Corp. MFIN R2K

Financial Services · Credit Services · United States

https://www.medallion.com

Medallion Financial Corp., together with its subsidiaries, operates as a specialty finance company in the United States. It operates in four segments: Recreation Lending, Home Improvement Lending, Commercial Loans, Taxi Medallion Lending. The company offers loans that finance consumer purchases of recreational vehicles, boats, collector cars, and other consumer recreational equipment; consumer financing for window, siding, and roof replacement, swimming pool installations, and other home improvement projects; senior and subordinated loans for the purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and taxi medallion loans to individuals and small to mid-size businesses. It also provides debt, mezzanine, and equity investment capital to companies in various commercial industries; and raises deposits and conducts other banking activities. The company was incorporated in 1995 and is headquartered in New York City, New York.

Market & Price

Market Cap

$232.06M

Current Price

$9.73

High / Low (52W)

$10.52 / $7.89

Beta

0.75

Valuation

Stock P/E

6.57

Industry PE

12.01

Forward P/E

6.57

PEG Ratio

0.77

Book Value

$17.63

Price to Book

0.55

P/S

0.67

EV/EBITDA

14.41

Dividend Yield

5.76%

Profitability & Returns

ROCE

ROE

10.27%

ROA

3.68%

Profit Margin

10.35%

Op Margin

44.95%

EPS (Latest Qtr)

$0.20

EPS (TTM)

$1.48

Balance Sheet & Liquidity

Debt/Equity

4.72

Quick Ratio

2.12

Current Ratio

35.67

Debt

$2.39B

Total Assets

$2.96B

Current Assets

Working Capital

Ownership

Promoter Holding

29.57%

Chg in Prom Hold

FII / Inst Holding

39.65%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$2.58B

Total Revenue (TTM)

$347.76M

EBITDA

$179.04M

Free Cash Flow

$-57.12M

Operating Cash Flow

$134.45M

Shares Outstanding

23.85M

Gross Margin

74.04%

Payout Ratio

32.43%

Growth (CAGR)

Revenue 5Y

14.47%

Profit 5Y

2.03%

Revenue (YoY)

-6.40%

Earnings (YoY)

-60.00%

PROS

Compounding revenue at 14.5% over 5 years.
Attractive dividend yield of 5.76%.

CONS

In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	MFIN Medallion Financial Corp. R2K	9.73	6.57	$232.06M	5.76%	-	10.27%	14.47%	2.03%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	60.19M	59.68M	55.88M	67.63M	52.93M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	24.01M	24.07M	25.09M	25.26M	25.01M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	20.24M	19.47M	19.48M	20.70M	11.62M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.71M	5.80M	5.86M	6.16M	4.33M
Net Income	6.85M	4.57M	5.04M	7.06M	1.11M	-4.80M	619.00K	3.35M	-14.87M	-14.65M	-4.70M	9.17M	1.23M	-7.50M	4.97M	-465.00K	-13.64M	-3.98M	-23.63M	8.43M	10.27M	15.94M	9.84M	13.30M	7.64M	15.36M	14.17M	11.23M	10.02M	7.10M	-	-	12.01M	11.07M	11.28M	12.20M	4.95M
Diluted EPS	0.28	0.19	0.21	0.29	0.05	-0.20	0.03	0.14	-0.62	-0.60	-0.19	0.38	0.05	-0.31	0.20	-0.02	-0.56	-0.16	-0.97	0.34	0.41	0.64	0.39	0.54	0.32	0.67	0.62	0.48	0.42	0.30	-	-	0.50	0.46	0.32	0.50	0.20

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	162.25M	189.87M	203.09M	243.39M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	36.19M	62.95M	88.17M	98.43M
Pretax Income	-	-	-	-	-	-	67.85M	86.04M	62.94M	79.89M
Tax Provision	-	-	-	-	-	-	17.96M	24.91M	21.01M	24.54M
Net Income	-	-	-25.05M	-1.76M	-34.78M	-	43.84M	55.08M	35.88M	46.56M
Diluted EPS	0.97	0.01	-1.03	-0.07	-1.42	-	1.83	2.37	1.52	1.78

Compounded Sales Growth

5 Years:	14.47%
1 Year:	-6.40%

Compounded Profit Growth

5 Years:	2.03%
1 Year:	-60.00%

Stock Price Performance

1 Year:	+11.76%
6 Months:	+2.34%
3 Months:	-0.81%
1 Month:	+6.62%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Mar 2018	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	-	1.08B	-	1.38B	1.54B	1.64B	-	2.26B	2.59B	2.87B	2.96B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	42.51M	-	57.71M	17.70M	54.74M	-	33.17M	52.59M	98.24M	136.27M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	12.61M	13.54M	15.31M	19.40M
Total Liabilities	-	-	-	913.13M	-	1.09B	1.21B	1.34B	-	1.89B	2.18B	2.43B	2.45B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	158.81M	174.61M	153.72M	-	214.32M	235.54M	232.16M	215.99M
Total Debt	-	-	-	-	-	-	-	-	-	229.93M	253.06M	288.59M	318.48M
Total Equity	274.67M	278.09M	286.10M	164.23M	272.44M	262.61M	263.15M	231.41M	-	301.74M	342.99M	370.17M	408.62M
Shares Outstanding	-	-	-	-	-	-	-	-	-	28.66M	29.05M	29.31M	29.59M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	66.55M	64.94M	78.71M	-	108.74M	113.78M	108.68M	126.28M
Investing Cash Flow	-23.70M	-206.51M	-170.96M	-	-449.00M	-340.71M	-328.94M	-124.49M
Financing Cash Flow	-27.65M	151.68M	136.47M	-	321.38M	271.18M	239.99M	30.20M
Capital Expenditure	-	-	-	-	-	-	-	-
Free Cash Flow	-	-	-	-	108.74M	113.78M	108.68M	126.28M
Net Change in Cash	-	-	-	-	-18.89M	44.25M	19.73M	31.99M
Share Buybacks	-	-	0	0	20.62M	0	4.61M	986.00K
Dividends Paid	66.00K	-	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	27.0%	29.0%	17.7%	19.1%
ROE %	-	-	-9.5%	-0.7%	-15.0%	-	14.5%	16.1%	9.7%	11.4%
ROCE %	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

29.57%

Institutions

39.65%

Public Float

56.30%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	4.65%	1.11M	$10.78M
2	Tieton Capital Management, LLC	4.33%	1.03M	$10.04M
3	Vanguard Capital Management LLC	3.56%	848.64K	$8.26M
4	SEI Investments Co	2.06%	490.97K	$4.78M
5	Geode Capital Management, LLC	1.73%	413.18K	$4.02M
6	Uniplan Investment Counsel, Inc.	1.62%	385.58K	$3.75M
7	State Street Corporation	1.04%	248.51K	$2.42M
8	American Century Companies Inc	0.90%	214.57K	$2.09M
9	Connor Clark & Lunn Investment Management Ltd	0.89%	212.82K	$2.07M
10	De Lisle Partners LLP	0.83%	198.71K	$1.93M

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MFIN · Financial Services