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 0.00 0.00%
Market cap
$256.9M
P/E
8.0×
Fwd P/E
8.6×
Dividend yield
4.65%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
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
ROE
8.34% 0.10% (8.68%) (0.56%) (10.89%) 16.39% 12.07% 14.08% 8.43% 9.09%
ROA
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

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Columns are period end dates