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

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Columns are period end dates