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Medallion Financial Corp.

MFIN Financial Credit Services

Medallion Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $353.3 million, up 17.0% from fiscal 2024.

Revenue
+10.1%
EPS
−67.7%
Free cash flow
+176.1%
Total debt
+33.4%

Quarter to September 2026, against a year earlier

10.13 0.21 +2.12%
Market cap
$223.7M
P/E
8.6×
Fwd P/E
8.8×
Dividend yield
5.18%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 30.22%

Capital & Financial Ratios $m

Size
Market Cap 223.70
Revenue ttm 358.46
Net income ttm 36.34
Free cash flow ttm 174.90
Net debt Q 44.78
Valuation
P/E 8.57
Forward P/E 8.80
Price / sales 0.63
Forward P/S Powerpack
Price / FCF 1.30
Price / book 0.41
Financial health
Current ratio Q 1.22
Debt / equity Q 0.52
Interest coverage Q —
Growth
Revenue growth Q +10.13% (above 0%: growing)
Operating income growth Q −63.71% (below 0%: shrinking)
EPS, this year −48.31% (below 0%: weak)
EPS, next year A +11.68%
Revenue, next year A −34.31% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A −10.88% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 69.84%
10-year low 10-year high
P/S against its own 10 years 13.27%
10-year low 10-year high
P/B against its own 10 years 29.34%
10-year low 10-year high

Dividends raised 4 years running

Yield
5.18%
Annual rate
0.52
Payout ratio
46.9%
  1. 0.00 ’17
  2. 0.00 ’18
  3. 0.00 ’19
  4. 0.00 ’20
  5. 0.00 ’21
  6. 0.32 ’22
  7. 0.34 ’23 +6
  8. 0.41 ’24 +21
  9. 0.47 ’25 +15
  10. 0.55 ’26e +16
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 150 170 202 243
Receivables — — — —
Inventory — — — —
Other — — — —
2,295 2,579 2,673 —
2023 2024 2025 Q'26
Payables 1,897 2,114 2,104 2,410
ST’ Debt — — — —
Other — — — —
1,912 2,171 2,206 —

Compound Annual Growth %

10y 5y 3y
Sales 23.45% 20.51% 19.67%
Cash Flow 0.00% 9.92% 5.11%
Earnings 3.89% 0.00% (0.61%)
Book Value 6.21% 10.78% 11.10%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.32 Actual 0.10

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.41 0.50 Beat by 0.09
Q1 FY26 0.25 0.20 Miss by 0.05
Q2 FY26 0.27 0.31 Beat by 0.04
Q3 FY26 0.32 0.10 Miss by 0.22
Q4 FY26 0.32 — Reports 17 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.20 0.31 0.10 — —
’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)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 81 89 92 — —
’25 87 87 84 96 353
’24 72 72 77 81 302
’23 58 64 70 71 262
’22 45 54 51 55 206
’21 39 45 49 58 191
’20 29 39 38 33 139
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 41 17 — — —
’25 33 (23) 82 34 126
’24 32 28 25 24 109
’23 29 29 36 20 114
’22 25 27 28 30 109
’21 21 19 22 17 79
’20 17 17 23 22 79
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 41 17 — — —
’25 33 (23) 82 34 126
’24 32 28 25 24 109
’23 29 29 36 20 114
’22 25 27 28 30 109
’21 21 19 22 17 79
’20 17 17 23 22 79
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 25 20 143 153 139 191 206 262 302 353 358 +33.9% 232 253 — (15.4%)
Gross margin, % 50.43 30.21 80.14 77.09 75.44 83.66 82.45 76.01 70.81 72.14 69.90 +21.7 pt
EBT (10) (8) (11) 2 (37) 82 68 86 63 80 54 n/m
EBT margin, % (38.94) (39.78) (7.51) 1.53 (26.60) 42.97 32.91 32.79 20.84 22.61 15.03 +61.6 pt
Net income 24 0 (23) 2 (27) 58 50 61 42 55 36 +10.0%
Per share, $
Per share, $ Revenue 1.06 0.82 5.90 6.28 5.69 7.75 8.74 11.66 13.40 15.51 15.80 +34.8%
Earnings 0.00 (0.30) (1.03) (0.07) (1.42) 2.20 1.86 2.45 1.59 1.89 1.17 +93.8%
Cash flow 2.55 0.56 2.75 2.67 3.22 3.20 4.61 5.05 4.82 5.54 0.00 +9.0%
Capex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 n/m
Free cash flow 2.55 0.56 2.75 2.67 3.22 3.20 4.61 5.05 4.82 5.54 0.00 +9.0%
Book value 11.86 12.01 11.98 13.74 12.46 14.46 15.71 18.29 19.47 22.31 24.29 +7.3%
Shares, m 24 24 24 24 24 25 24 23 23 23 23 (0.6%)
Valuation, ×
Valuation, × P/E 620.41 0.00 0.00 145.40 0.00 2.64 3.75 4.04 5.94 5.44 8.57 78.8
P/S 2.88 4.42 0.80 1.16 0.86 0.75 0.80 0.85 0.70 0.66 0.63 1.4
P/B 0.26 0.30 0.39 0.53 0.39 0.40 0.45 0.54 0.48 0.46 0.41 0.4
EV/Sales 15.75 20.39 1.50 1.86 1.16 1.25 1.33 1.18 0.91 0.70 — 4.6
EV/FCF 6.52 30.17 3.23 4.37 2.05 3.02 2.52 2.71 2.52 1.97 — 5.9
Cash, $m
Cash, $m Operating cash flow 62 13 67 65 79 79 109 114 109 126 175 +8.3%
Capex — — — — — — — — — — 0 —
Free cash flow 62 13 67 65 79 79 109 114 109 126 175 +8.3%
Balance, $m
Balance, $m Working capital 364 304 121 181 122 304 331 383 407 467 522 +2.8%
Net debt 328 315 101 107 42 95 109 86 63 14 45 (29.3%)
Shareholders’ equity 286 287 290 334 305 356 371 412 439 508 551 +6.6%
Returns, %
Returns, % ROA 3.41 0.04 (2.48) (0.12) (2.18) 3.08 2.12 2.27 1.32 1.48 0.86 (1.9) pt
ROIC (1.01) (0.81) (1.71) 0.33 (6.68) 11.34 8.85 10.81 7.84 9.56 5.65 +10.6 pt
ROE 8.34 0.10 (8.68) (0.56) (10.89) 16.39 12.07 14.08 8.43 9.09 5.15 +0.7 pt
People
People Employees 131 138 177 191 187 136 33 169 174 179 — +3.5%
Revenue/emp, $m 0.19 0.14 0.81 0.80 0.74 1.40 6.25 1.55 1.74 1.97 — +29.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Medallion Financial Corp. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FINV PPDAI Group Inc. Sponsored ADR $376.9M 2.6× 3.4× +0.42% (above 0%: growing) −31.71% (below 0%: shrinking) −7,180.65% (below 0%: shrinking) 78.46% 17.42% Compare
RM Regional Management Corp. $336.6M 7.2× 7.2× +8.03% (above 0%: growing) +9.80% (above 0%: growing) −5.64% (below 0%: shrinking) 100.00% 24.60% Compare
PMTS CPI Card Group Inc. $286.3M 17.1× 14.7× +14.78% (above 0%: growing) +115.00% (above 0%: growing) +90.21% (above 0%: growing) 31.73% 9.89% Compare
MFIN Medallion Financial Corp. $223.7M 8.6× 8.8× +10.13% (above 0%: growing) −67.65% (below 0%: shrinking) +176.13% (above 0%: growing) 66.95% 0.00%
FOA Finance of America Companies Inc. $222.1M — (loss-making) 2.6× −64.77% (below 0%: shrinking) n/m −89.96% (below 0%: shrinking) 100.00% (69.79%) Compare
CPSS Consumer Portfolio Services, Inc. $215.9M 9.1× 6.8× +21.66% (above 0%: growing) +45.45% (above 0%: growing) +11.04% (above 0%: growing) 100.00% 61.10% Compare
TROO TROOPS, Inc. $212.6M — (loss-making) — +10.79% (above 0%: growing) +101.54% (above 0%: growing) −94.20% (below 0%: shrinking) 23.83% 0.00% Compare
HTT High Templar Tech Limited - Sponsored ADR $161.2M 2.9× — (loss-making) −90.80% (below 0%: shrinking) n/m +347.70% (above 0%: growing) 20.72% (2,664.81%) Compare
XYF X Financial Sponsored ADR $107.3M 2.2× — −53.85% (below 0%: shrinking) −89.20% (below 0%: shrinking) +194.87% (above 0%: growing) 57.63% 19.62% Compare
Median of peers $219.0M 5.0× 6.8× +4.22% +27.63% +2.70% 68.05% 13.66%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 30 April 2025

Chief executive’s pay

Year Total pay Actually paid $100 invested
2024 2.59m 2.56m 147.00
2023 3.04m 3.35m 218.00
2022 2.53m 2.62m 152.00

Ownership

Directors and executive officers, together 24.60%
Andrew M. Murstein President, Chief Operating Officer, and Director 11.10%
Alvin Murstein Chairman, Chief Executive Officer, and Director 7.93%
Howard Amster 6.02%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Medallion Financial Corp. (MFIN) Latest News

2 Nov

Impact 3 · · The Motley Fool

31 Oct

Impact 3 · · The Motley Fool transcript

30 Oct

Impact 3 · · MarketBeat transcript
Impact 3 · · Moby

29 Oct

Impact 4 · · GlobeNewswire earnings
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · GlobeNewswire

28 Oct

Impact 3 · · Simply Wall St.

19 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · GlobeNewswire

30 Sep

Impact 3 · · GlobeNewswire

23 Sep

Impact 4 · · GlobeNewswire

22 Sep

Impact 4 · · GlobeNewswire
Impact 4 · · GlobeNewswire

7 Aug

Impact 4 · · The Motley Fool transcript

30 Jul

Impact 4 · transcript
Impact 3 · · MarketBeat
Impact 3 · · Moby

29 Jul

Impact 4 ·
Impact 3 ·

12 Jun

Impact 3 ·

4 Jun

Impact 3 ·
Impact 3 · · GlobeNewswire

29 May

Impact 4 · · Business Wire

28 May

Impact 4 · · Business Wire

19 May

Impact 4 · · Business Wire

11 May

Impact 4 · · GlobeNewswire

30 Apr

Impact 3 · · MarketBeat
stockrow.com/MFIN · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com