Medallion Financial Corp. MFIN

Growth Flags show if company had growth for consecutive years

We limit data available in the Overview Report for users who do not have Powerpack

Get access to target analyst prices, predictions, compound annual growth rates and more than four years of historical data.

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy
Sell
Insider Ownership 30.78%

Capital & Financial Ratios

Market Cap 274.37
Revenue 349.97
Net Income 45.22
Free Cash Flow 174.90
Net Debt 81.56
Current Ratio 1.22
Debt/Equity 0.57
P/E ratio 8.54
P/S ratio 0.80
P/B ratio 0.55
Past 5Y EPS Growth 87.40%
This Y EPS Growth (35.39%)
Next Y EPS Growth 32.46%
Next 5Y EPS Growth 4.81%
in millions of $

Dividends

Payout Ratio 0.15
Annual Dividend Rate 0.32
Annual Dividend Yield 3.38%
total individual payouts
2027 ‡‡‡‡‡
2026 0.55
2025 0.47
2024 0.41
2023 0.34
2022 0.32
2021 ‡‡‡
2020 ‡‡‡‡
2019 ‡‡‡‡
2018 ‡‡‡
2017 ‡‡‡
2016 0.60
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 149.85 169.57 201.56 205.99
Receivables
Inventory
Other
2,295.03 2,578.54 2,673.03 2,898.96
2023 2024 2025 Q'26
Payables 1,897.46 2,114.14 2,104.47 2,316.14
ST’ Debt
Other
1,912.28 2,171.37 2,206.04 2,376.74
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 81.48 88.85
’25 87.02 86.65 83.82 95.82 353.31
’24 72.47 71.80 77.00 80.76 302.03
’23 57.93 63.67 70.19 70.57 262.36
’22 44.83 54.47 51.46 55.38 206.15
’21 39.02 45.14 48.70 57.67 190.53
’20 28.56 38.84 38.40 33.22 139.03
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 41.32 17.48
’25 33.15 (22.96) 82.33 33.77 126.28
’24 32.26 27.65 24.61 24.17 108.68
’23 29.13 29.16 35.86 19.64 113.78
’22 24.65 26.78 27.55 29.75 108.74
’21 21.06 18.76 22.16 16.75 78.73
’20 16.79 16.61 23.17 22.14 78.71
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 41.32 17.48
’25 33.15 (22.96) 82.33 33.77 126.28
’24 32.26 27.65 24.61 24.17 108.68
’23 29.13 29.16 35.86 19.64 113.78
’22 24.65 26.78 27.55 29.75 108.74
’21 21.06 18.76 22.16 16.75 78.73
’20 16.79 16.61 23.17 22.14 78.71
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.20 0.31
’25 0.50 0.46 0.32 0.50 1.78
’24 0.42 0.30 0.37 0.43 1.52
’23 0.67 0.62 0.48 0.60 2.37
’22 0.39 0.54 0.32 0.57 1.83
’21 0.34 0.41 0.64 0.78 2.17
’20 (0.56) (0.16) (0.97) 0.26 (1.42)

Target Price Range

High ‡‡‡‡‡ ‡‡‡‡
Average ‡‡‡‡‡ ‡‡‡‡
Low ‡‡‡‡‡ ‡‡‡‡

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell
Powerpack only forecast
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡ 5.42 5.64 6.48 7.71
Low Price
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡ 10.05 10.49 10.50 10.98
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 33 169 174 179
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.25 1.55 1.74 1.97
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 206.15 262.36 302.03 353.31 ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 82.45% 76.01% 70.81% 72.14%
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 67.85 86.04 62.94 79.89
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 32.91% 32.79% 20.84% 22.61% ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 49.89 61.13 41.93 55.34 ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.94 14.83 15.39 18.92
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.74 11.66 13.40 15.51 ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡ 1.86 2.45 1.59 1.89 ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.61 5.05 4.82 5.54
Cash Flow/Sh
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 0.00 0.00 0.00 0.00 ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.61 5.05 4.82 5.54
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.71 18.29 19.47 22.31
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 23.58 22.51 22.55 22.78 ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ 3.75 4.04 5.94 5.44 ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.80 0.85 0.70 0.66 ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.45 0.54 0.48 0.46 ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.83 4.00 3.36 2.80 ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.26 9.22 9.33 7.83
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 108.74 113.78 108.68 126.28 ‡‡‡ ‡‡‡
Op' Cash Flow
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 108.74 113.78 108.68 126.28
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 331.45 382.75 407.17 466.99
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 729.32 235.54 232.16 215.99
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 623.72 85.70 62.59 14.42
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 370.52 411.77 438.96 508.05
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.12% 2.27% 1.32% 1.48%
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.27% 10.81% 7.84% 9.56%
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.07% 14.08% 8.43% 9.09%
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Medallion Financial Corp. (MFIN) embodies a gritty turnaround from the taxi medallion debacle of the late 2010s, when Uber and Lyft obliterated values by over 90%, sparking $27 million losses in 2020. Under CEO Andrew Murstein, the firm pivoted decisively to higher-margin lending in recreational vehicles, boats, and small businesses via Medallion Bank. Revenue has since quadrupled to $302 million in 2024, profitability roared back with $42 million net income and EPS of $1.59, while debt was slashed 68% to $235 million—unleashing robust free cash flow of $5.12 per share and a fortress-like balance sheet.

Yet, with shares near highs after a 700% surge from 2020 lows, MFIN trades at bargain multiples: 5.9x trailing PE, 0.48x book value, and 8.8x EV/FCF, screaming undervaluation amid elite ROE of 8.4% and revenue efficiency. Analysts project a 2025 revenue dip to $217 million before rebounding, with steady EPS around $1.60-$1.75 and 17% upside to targets, banking on margin repair and debt discipline.

This underdog narrative tempts patient investors, but macro risks like rising defaults or rate squeezes loom—has the market truly grasped the pivot’s staying power, or is more upside (or peril) unfolding?

Medallion Financial Corp. (MFIN) Latest News

News by impact score

Fine-tune

22 Sep

4 GlobeNewswire, 4:20 PM

Medallion Bank launched a public offering of additional shares of its Fixed-Rate Reset Non-Cumulative Perpetual Series G Preferred Stock, par $1, liquidation $25, reopening the May 22, 2025 issue. The Series G is traded on Nasdaq under ticker MBNKO. The bank expects to grant underwriters a 30-day overallotment option and will use net proceeds for general corporate purposes, including redeeming some or all of its outstanding Series E Preferred Stock, subject to FDIC approval. Piper Sandler & Co. and other banks serve as joint book-running managers; leading managers include William Blair, InspereX, B. Riley, and Clear Street. The offering is exempt from registration under Securities Act Section 3(a)(2) and will be made via an offering circular. The preliminary circular is available online; press release contains forward-looking statements with usual cautions. Series G offering expands capital, enables potential redemption of Series E, signaling a meaningful financing move.

4 GlobeNewswire, 4:05 PM

Medallion Bank announces a strategic relationship with rFinance Credit Company to provide consumer financing for Renewal by Andersen products nationwide. Under the program, Medallion Bank originates the loans while rFinance administers the loan program and servicing. The deal marks the sixth fintech partner in the bank’s growth-focused program, which has generated $417 million in strategic-partnership loan originations year-to-date through June 30, 2026. Medallion Bank emphasizes its home-improvement lending expertise and scalable origination, while rFinance highlights end-to-end customer journey management and a seamless financing experience. The collaboration expands the Bank’s consumer-lending reach beyond recreational vehicles, boats, and home improvements to include window and door replacements through Renewal by Andersen retailers. Adds scale in consumer lending through a new fintech partner, broadening the bank's loan origination channel and diversification.

7 Aug

4 transcript www.fool.com, 8:00 PM

Medallion Financial (MFIN) released its Q2 2026 earnings call transcript covering financial results, operations and outlook. Q2 2026 earnings details and guidance can significantly move MFIN stock and investor views.

30 Jul

4 transcript , 5:02 PM

Medallion Financial Corp achieved record originations in Q2 2026, driving earnings performance and supporting core lending growth. Record originations signal strong core business expansion with potential to lift future revenue and investor outlook.

3 www.marketbeat.com, 2:04 PM

Medallion Financial Corp. discussed Q2 financial results and operational updates during its earnings call. Q2 earnings details can shift near-term investor views without altering core business direction.

3 app.moby.co, 8:30 AM

Medallion Financial Corp. discussed Q2 2026 financial results and outlook during its earnings call. Earnings call details provide moderate updates on performance and strategy with limited immediate market shifts.

29 Jul

4 , 4:07 PM

Medallion Financial Corp. reported its second quarter 2026 financial results. Quarterly results directly update financial performance metrics that drive valuation and investor sentiment.

3 , 6:25 PM

Medallion Financial (MFIN) beat Q2 earnings and revenue estimates. Earnings beat can lift near-term stock sentiment and valuation multiples.

12 Jun

3 , 6:30 AM

Medallion Bank announces CEO transition at Medallion Financial Corp. CEO transition at Medallion Bank introduces potential shifts in strategy and leadership execution for Medallion Financial Corp.

4 Jun

3 , 6:00 PM

BIMIZCI urges Medallion Financial stockholders to back its board nominees for stronger leadership and representation, accusing MFIN of distracting from underperformance and possible dividend problems. Board nomination contest introduces governance pressure that can shift investor sentiment and strategic direction at Medallion Financial.

3 GlobeNewswire, 2:50 PM

Medallion Financial Corp. accuses ZimCal of spreading distortions and warns of risks from electing its unqualified board nominees. Proxy contest over board seats can shift governance and influence investor sentiment without altering core operations.

29 May

4 Business Wire, 1:21 PM

ISS and Glass Lewis back BIMIZCI nominees for Medallion Financial board and urge stockholders to vote BLUE proxy card for their election. Proxy advisor endorsements for dissident nominees raise odds of board turnover and strategic overhaul at Medallion Financial.

28 May

4 Business Wire, 2:30 PM

BIMIZCI issues point-by-point rebuttal of Medallion Financial investor presentation, references prior disprovals of company statements, and urges stockholders to vote for change. Activist rebuttal plus vote-for-change call targets governance and strategy shifts at MFIN.

19 May

4 Business Wire, 3:25 PM

BIMIZCI exceeded 500,000 shares in Medallion Financial and nominated three directors, citing worsening performance and a federal securities fraud judgment. Director nominations by a major shareholder over performance and legal issues signal likely governance shifts and market pressure on Medallion Financial.

11 May

4 GlobeNewswire, 4:05 PM

Medallion Bank, a subsidiary of Medallion Financial Corp. (MFIN), has entered into a strategic partnership with Together Loans to expand lending capabilities and market reach. Strategic partnership signals major expansion in lending operations, potentially boosting revenue and market position for MFIN.

30 Apr

3 www.marketbeat.com, 4:03 PM

Medallion Financial Corp. (MFIN) released Q1 earnings call highlights detailing financial performance, loan portfolio updates, and strategic outlook. Q1 earnings call highlights influence financial performance and investor sentiment through key metrics and guidance.

29 Apr

4 Zacks, 6:40 PM

Medallion Financial (MFIN) Q1 earnings and revenues missed estimates. Q1 earnings and revenue misses directly undermine financial performance and investor confidence, likely causing significant stock price pressure.

4 GlobeNewswire, 4:07 PM

Medallion Financial Corp. reported first quarter 2026 results. Quarterly earnings reports typically drive significant short-term market reactions and influence future performance expectations for financial firms like MFIN.

3 GlobeNewswire, 4:05 PM

Medallion Bank reports first quarter 2026 results and declares Series G Preferred Stock dividend. Quarterly results reporting and preferred stock dividend declaration affect financial performance and investor sentiment.

28 Apr

4 GlobeNewswire, 4:05 PM

Medallion Financial Corp. completed a private placement of $75.0 million in senior notes to a group led by JP Morgan Investment Management Inc. $75 million senior notes placement injects significant capital to strengthen balance sheet and support lending operations.

10 Apr

5 GlobeNewswire, 1:22 PM

Medallion Financial Corp. (MFIN) defaults on $73.5 million in SBA debt; SBA states it lacks a qualified management team; ZimCal says it's no surprise. Default on $73.5 million SBA debt and unqualified management declaration threaten MFIN's survival and long-term viability.

6 Mar

4 GlobeNewswire, 5:57 PM

Medallion Financial Corp. (MFIN) recently faced debt maturity, signaling significant underlying issues. Debt maturity reveals significant financial vulnerabilities likely to impair MFIN's future performance and investor confidence.

20 Feb

4 GuruFocus.com, 8:03 PM

Medallion Financial Corp. (MFIN) reported record performance in Q4 2025 earnings call, with strong financial results amid challenges, highlighting robust growth in core lending operations and positive outlook. Record Q4 2025 performance reflects major financial strength and strategic positioning likely to enhance investor sentiment and future trajectory.

19 Feb

4 transcript www.fool.com, 10:46 AM

Medallion Financial Corp. held its earnings call discussing Q3 2024 results, including $64.9 million revenue, $13.6 million net income, portfolio growth to $2.0 billion, stable credit quality, and reaffirmed 2024 guidance with plans for expansion. Earnings results show strong revenue growth, portfolio expansion, and positive outlook signaling major strategic progress impacting valuation and investor confidence.

4 app.moby.co, 8:30 AM

Medallion Financial Corp. (MFIN) Q4 2025 earnings call summary covers financial results, performance highlights, and forward-looking guidance. Q4 earnings call summary discloses key financial metrics and outlook that significantly influence stock price and investor sentiment.

3 www.marketbeat.com, 10:27 AM

Medallion Financial Corp. (MFIN) released key highlights from its Q4 earnings call, covering financial results, performance metrics, and forward-looking statements. Q4 earnings call highlights detail financial performance and guidance, expected to moderately influence investor sentiment and stock trajectory.

18 Feb

4 Zacks, 5:55 PM

Medallion Financial Corp. (MFIN) beat Q4 earnings and revenue estimates. Beating Q4 earnings and revenue estimates boosts investor sentiment and signals strong financial performance for MFIN.

4 Associated Press Finance, 5:11 PM

Medallion Financial Corp. (MFIN) released its Q4 earnings snapshot. Q4 earnings snapshots provide critical financial metrics that drive stock price movements and investor perceptions of future performance.

4 GlobeNewswire, 4:05 PM

Medallion Financial Corp. (MFIN) reported fourth quarter and full-year 2025 financial results. Quarterly and annual earnings reports reveal financial performance metrics that significantly shape investor sentiment and stock trajectory.

10 Feb

3 Simply Wall St., 6:01 AM

Medallion Financial Corp. (MFIN) has delivered impressive returns of 86% to its investors over the past five years, reflecting strong performance in the financial sector. The company's strategic initiatives and market positioning have contributed to this growth, attracting investor interest and confidence in its future prospects. The notable returns indicate a moderately positive influence on investor sentiment and financial performance.