Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 2.54%, EPS fell 34.7%, free cash flow grew 176.1% and total debt rose 43.8%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five.
11.19
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0.00%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
5 | 5 | 5 | 5 | 3 | 7 | 5 | 7 | 5 | 8 |
P/E ratio |
620.41 | 0.00 | 0.00 | 145.40 | 0.00 | 2.64 | 3.75 | 4.04 | 5.94 | 5.44 |
P/S ratio |
2.88 | 4.42 | 0.80 | 1.16 | 0.86 | 0.75 | 0.80 | 0.85 | 0.70 | 0.66 |
P/FCF ratio |
1.19 | 6.55 | 1.71 | 2.73 | 1.52 | 1.81 | 1.52 | 1.96 | 1.95 | 1.86 |
P/Operating CF |
57.97 | (21.45) | 4.54 | 8.66 | 5.41 | 8.52 | 5.56 | 11.36 | 8.76 | 6.94 |
P/B ratio |
0.26 | 0.30 | 0.39 | 0.53 | 0.39 | 0.40 | 0.45 | 0.54 | 0.48 | 0.46 |
Price to Tangible BV |
0.26 | 0.31 | 1.33 | 1.35 | 1.17 | 0.79 | 0.84 | 0.93 | 0.79 | 0.69 |
EV/Sales |
15.75 | 20.39 | 1.50 | 1.86 | 1.16 | 1.25 | 1.33 | 1.18 | 0.91 | 0.70 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
6.52 | 30.19 | 3.23 | 4.37 | 2.05 | 3.03 | 2.52 | 2.71 | 2.52 | 1.97 |
EV/FCF |
6.52 | 30.17 | 3.23 | 4.37 | 2.05 | 3.02 | 2.52 | 2.71 | 2.52 | 1.97 |
Quick Ratio |
2.52 | 1.55 | 0.06 | 0.07 | 0.10 | 0.10 | 0.06 | 0.08 | 0.08 | 0.09 |
Current Ratio |
44.80 | 37.99 | 1.13 | 1.18 | 1.10 | 1.24 | 1.20 | 1.20 | 1.19 | 1.21 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
50.64% | 51.55% | 11.49% | 11.33% | 9.36% | 11.74% | 9.48% | 9.10% | 8.09% | 7.31% |
Debt/Equity |
1.22 | 1.14 | 0.55 | 0.52 | 0.50 | 0.62 | 0.58 | 0.57 | 0.53 | 0.43 |
Asset Turnover |
0.04 | 0.03 | 0.14 | 0.10 | 0.09 | 0.11 | 0.10 | 0.11 | 0.11 | 0.12 |
Operating CF/Net income |
2.62 | 47.92 | (2.66) | (36.85) | (2.26) | 1.46 | 2.48 | 2.07 | 3.03 | 2.93 |
Capex/Depreciation |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 8.34% | 0.10% | (8.68%) | (0.56%) | (10.89%) | 16.39% | 12.07% | 14.08% | 8.43% | 9.09% | |
| 3.41% | 0.04% | (2.48%) | (0.12%) | (2.18%) | 3.08% | 2.12% | 2.27% | 1.32% | 1.48% | |
ROIC |
(1.01%) | (0.81%) | (1.71%) | 0.33% | (6.68%) | 11.34% | 8.85% | 10.81% | 7.84% | 9.56% |
Return on Tangible Assets |
6.46% | 0.09% | (20.53%) | (0.90%) | (25.81%) | 17.14% | 12.72% | 13.88% | 8.52% | 8.99% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
69.37% | 69.99% | 82.96% | 74.61% | 101.00% | 39.93% | 48.83% | 42.66% | 49.49% | 49.12% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.15 | 0.13 | 0.12 | 0.09 | 0.08 | 0.07 | 0.06 | 0.06 |
Share Based Compensation of Revenue |
2.23% | 3.98% | 0.40% | 0.80% | 1.46% | 1.19% | 1.69% | 1.80% | 2.00% | 1.91% |
Graham Net Nets |
(0.42) | (0.42) | (0.40) | (0.09) | (0.36) | 0.40 | 0.50 | 0.53 | 0.70 | 0.96 |
Graham Number |
1.14 | 0.00 | 0.00 | 3.93 | 0.00 | 26.76 | 25.71 | 31.76 | 26.31 | 30.80 |
Earnings Yield |
0.16% | (12.16%) | (21.96%) | 0.69% | (29.18%) | 37.93% | 26.64% | 24.72% | 16.83% | 18.37% |
Free Cash Flow Yield |
84.00% | 15.27% | 58.61% | 36.70% | 65.72% | 55.18% | 65.69% | 51.01% | 51.34% | 53.89% |
Revenue per Share |
1.06 | 0.82 | 5.90 | 6.28 | 5.69 | 7.75 | 8.74 | 11.66 | 13.40 | 15.51 |
Operating CF per Share |
2.55 | 0.56 | 2.75 | 2.67 | 3.22 | 3.20 | 4.61 | 5.05 | 4.82 | 5.54 |
Capex per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Free Cash Flow per Share |
2.55 | 0.56 | 2.75 | 2.67 | 3.22 | 3.20 | 4.61 | 5.05 | 4.82 | 5.54 |
Cash per Share |
0.87 | 0.53 | 2.38 | 2.79 | 4.58 | 5.06 | 4.48 | 6.66 | 7.52 | 8.85 |
Shareholders Equity per Share |
11.86 | 12.01 | 11.98 | 13.74 | 12.46 | 14.46 | 15.71 | 18.29 | 19.47 | 22.31 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
11.86 | 12.01 | 11.98 | 13.74 | 12.46 | 14.46 | 15.71 | 18.29 | 19.47 | 22.31 |
Free Cash Flow |
61.59 | 13.32 | 66.55 | 64.94 | 78.71 | 78.73 | 108.74 | 113.78 | 108.68 | 126.28 |
Working Capital |
363.87 | 303.50 | 120.75 | 180.74 | 122.36 | 303.87 | 331.45 | 382.75 | 407.17 | 466.99 |
Net Current Asset Value |
(31.10) | (36.66) | (45.03) | (15.95) | (43.18) | 56.63 | 81.96 | 118.98 | 148.89 | 225.61 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 75.73 | 0.00 | 1.74 | 2.44 | 2.59 | 3.36 | 2.93 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
20.73 | 4.63 | 11.71 | 0.87 | 1.11 | 1.23 | 1.06 | 1.05 | 1.12 | 1.59 |
Cash ROIC |
9.39% | 2.12% | 13.13% | 11.26% | 13.80% | 11.24% | 15.75% | 14.27% | 12.93% | 13.64% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
2.40 | 2.81 | 0.07 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.05 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
156.68 | 115.91 | 11,153.54 | 10,080.70 | 11,546.06 | 14,846.12 | 16,442.74 | 11,002.66 | 8,752.25 | 7,804.06 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
5.27 | 4.90 | 435.60 | 917.36 | 1,024.09 | 1,173.45 | 1,448.34 | 1,763.77 | 2,005.80 | 2,109.30 |
Average Assets |
689.21 | 662.45 | 1,008.68 | 1,461.76 | 1,592.04 | 1,757.73 | 2,066.47 | 2,423.85 | 2,728.22 | 2,912.04 |
Average Common Equity |
282.09 | 286.63 | 288.68 | 312.34 | 319.51 | 330.19 | 363.18 | 391.15 | 425.37 | 473.50 |
Columns are period end dates