Medallion Financial Corp. (MFIN)

NMS – Real Time Price. Currency in USD

11.07

+0.04 (0.36%)

Market open: Aug 12, 2026, 2:21 PM EDT

11.03

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 4:10 PM EDT

Stock details

Previous close: 11.03$
Day's range: 10.83 - 11.16$
52-week range: 7.85 - 11.16$
Volume: 95 948
Average volume: 87 102
Beta: 1.32
EPS (TTM): 1.41
PE ratio (TTM): 8.32
Forward P/E: 9.59
Market cap: 253 251 540
Shares outstanding: 22 960 248
Dividend yield: $4.53 (4.53%)
Next earnings date: 2026-11-02
Sector: Financials
Industry: Credit Services

About the company

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, a... read more

CEO: Andrew Murstein
Country: United States
IPO Date: 1996-05-23
Employees: 179
Fiscal Year End: January - December
Website: https://www.medallion.com

Revenue Breakdown

Consumer Lending - Recreation / 59.79%

Consumer Lending - Home Improvement / 22.82%

Commercial Lending / 11.65%

News

No Data

There are no news for this stock.

Chart: MFIN

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Overall Score

5.1 / 1051%

Octagon View

Strength & Weakness

Total debt $2.6B significantly exceeds cash reserves ($172.6M), raising financial stability concerns

Total current assets $0.0 are just enough to cover Total current liabilities $82.8M, indicating tight liquidity

Debt-to-equity ratio (5.2) far exceeds the industry average, reflecting over-leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $28.1M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	2.78	10.91	10
Quick ratio	2.78	10.10	10
Debt to Equity	6.50	3.44	2.0
Debt to Assets	0.82	1.99	2.0
Interest coverage	N/A	71.90	10
Weighted average score			6.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	207M	264M	302M	353M	350M
Gross Profit	174M	205M	219M	260M	250M
Operating Income	82M	103M	84M	98M	85M
Net Income	44M	55M	36M	43M	32M
EBITDA	114M	143M	162M	192M	180M

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	69.04	64.01	10
Operating margin %	21.95	0.03	9.0
Net margin %	8.38	-121.55	6.0
EBITDA margin %	48.16	-20.51	10
Cash flow margin %	31.59	-144.24	10
Weighted average score			9.0

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.30	-153.95	3.0
ROE	9.78	41.47	6.0
ROIC	1.96	-22.19	4.0
ROCE	1.51	-1.81	4.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	13.96	0	4.5
Next quarter	14.08	-35.5	4.5
Current year	13.62	-35.39	4.5
Next year	9.98	32.46	8.0
Weighted average score			5.4

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	9.05	50.31	55	-24.04	6.8
Y/Y	2.54	-32.73	-32.6	232.56	4.0
3y average	19.68	3.59	3.59	7.4	5.5
5y average	16.4	49.47	49.59	12.07	9.0
Weighted average score					6.3

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	8.19	-29.69	9.0
PEG (5yr expected)	N/A	0.88	1.0
P/S	1.14	102.37	7.6
P/B	0.62	-0.46	9.0
Weighted average score			6.7

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR8.38%

FCF 5 year CAGR4

Fair value84.83$

Stock price11$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$84.83

UndervaluedStock priceOvervalued

$11

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Andrew Murstein

Country

United States

IPO Date

1996-05-23

Employees

179

Fiscal Year End

January - December

Website

https://www.medallion.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

2.78

10.91

Quick ratio

2.78

10.10

Debt to Equity

6.50

3.44

2.0

Debt to Assets

0.82

1.99

2.0

Interest coverage

N/A

71.90

Weighted average score

6.8

METRIC

2022

2023

2024

2025

TTM

Total Revenue

207M

264M

302M

353M

350M

Gross Profit

174M

205M

219M

260M

250M

Operating Income

82M

103M

84M

98M

85M

Net Income

44M

55M

36M

43M

32M

EBITDA

114M

143M

162M

192M

180M

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

69.04

64.01

Operating margin %

21.95

0.03

9.0

Net margin %

8.38

-121.55

6.0

EBITDA margin %

48.16

-20.51

Cash flow margin %

31.59

-144.24

Weighted average score

9.0

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.30

-153.95

3.0

ROE

9.78

41.47

6.0

ROIC

1.96

-22.19

4.0

ROCE

1.51

-1.81

4.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

13.96

4.5

Next quarter

14.08

-35.5

4.5

Current year

13.62

-35.39

4.5

Next year

9.98

32.46

8.0

Weighted average score

5.4

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

9.05

50.31

-24.04

6.8

Y/Y

2.54

-32.73

-32.6

232.56

4.0

3y average

19.68

3.59

7.4

5.5

5y average

16.4

49.47

49.59

12.07

9.0

Weighted average score

6.3

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

8.19

-29.69

9.0

PEG (5yr expected)

N/A

0.88

1.0

P/S

1.14

102.37

7.6

P/B

0.62

-0.46

9.0

Weighted average score

6.7

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Medallion Financial Corp. (MFIN)

Stock details

About the company

Revenue Breakdown

News

Chart: MFIN

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$84.83

$11

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: MFIN

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$84.83

$11

Economic Moat