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

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 30.78%

Capital & Financial Ratios $m

Market Cap 256.92
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 7.99
Fwd P/E 8.57
P/S ratio 0.74
P/B ratio 0.52
Past 5Y EPS Growth —
This Y EPS Growth (35.53%) (below 0%: weak)
Next Y EPS Growth 20.04% (at or above 15%: strong)
Next Y revenue growth (34.31%) (below 0%: weak)
Next 5Y EPS Growth 4.81%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 69.15%
10-year low 10-year high
P/S against its own 10 years 34.24%
10-year low 10-year high
P/B against its own 10 years 69.07%
10-year low 10-year high

Dividends

Payout Ratio 0.39
Annual Dividend Rate 0.52
Annual Dividend Yield 4.65%
total individual payouts
2027 Powerpack
2026 0.55
0.12
0.14
0.14
2025 0.47
0.11
0.12
0.12
0.12
2024 0.41
0.10
0.10
0.10
0.11
2023 0.34
0.08
0.08
0.08
0.10
2022 0.32
0.08
0.08
0.08
0.08
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 Powerpack
2017 Powerpack
2016 0.60
0.25
0.25
0.05
0.05
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 150 170 202 206
Receivables — — — —
Inventory — — — —
Other — — — —
2,295 2,579 2,673 2,899
2023 2024 2025 Q'26
Payables 1,897 2,114 2,104 2,316
ST’ Debt — — — —
Other — — — —
1,912 2,171 2,206 2,377

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%

Revenue $m

Mar Jun Sep Dec Year
’26 81 89 — — —
’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.

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)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 2.87 1.60 3.58 4.30 1.29 3.50 5.42 5.64 6.48 7.71

Analyst estimates 2026–2028

Powerpack
High 10.00 4.15 7.25 7.80 7.33 9.50 10.05 10.49 10.50 10.98
People
People Employees 131 138 177 191 187 136 33 169 174 179
Revenue/emp, $m 0.19 0.14 0.81 0.80 0.74 1.40 6.25 1.55 1.74 1.97
Income, $m
Income, $m Revenue 25 20 143 153 139 191 206 262 302 353
Gross margin, % 50.43 30.21 80.14 77.09 75.44 83.66 82.45 76.01 70.81 72.14
EBT (10) (8) (11) 2 (37) 82 68 86 63 80
EBT margin, % (38.94) (39.78) (7.51) 1.53 (26.60) 42.97 32.91 32.79 20.84 22.61
Net income 24 0 (23) 2 (27) 58 50 61 42 55
Depreciation 6 1 14 12 14 15 14 15 15 19
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
Earnings 0.00 (0.30) (1.03) 0.06 (1.42) 2.20 1.86 2.45 1.59 1.89
Cash flow 2.55 0.56 2.75 2.67 3.22 3.20 4.61 5.05 4.82 5.54
Capex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Free cash flow 2.55 0.56 2.75 2.67 3.22 3.20 4.61 5.05 4.82 5.54
Book value 11.86 12.01 11.98 13.74 12.46 14.46 15.71 18.29 19.47 22.31
Shares, m 24 24 24 24 24 25 24 23 23 23
Valuation, ×
Valuation, × P/E 620.41 0.00 0.00 145.40 0.00 2.64 3.75 4.04 5.94 5.44
P/S 2.88 4.42 0.80 1.16 0.86 0.75 0.80 0.85 0.70 0.66
P/B 0.26 0.30 0.39 0.53 0.39 0.40 0.45 0.54 0.48 0.46
EV/Sales 15.75 20.39 1.50 1.86 1.16 1.25 1.33 1.18 0.91 0.70
EV/FCF 6.52 30.17 3.23 4.37 2.05 3.02 2.52 2.71 2.52 1.97
Cash, $m
Cash, $m Operating cash flow 62 13 67 65 79 79 109 114 109 126
Capex — — — — — — — — — —
Free cash flow 62 13 67 65 79 79 109 114 109 126
Balance, $m
Balance, $m Working capital 364 304 121 181 122 304 331 383 407 467
Total debt 349 328 159 175 154 220 214 236 232 216
Net debt 328 315 101 107 42 95 109 86 63 14
Shareholders’ equity 286 287 290 334 305 356 371 412 439 508
Returns, %
Returns, % 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
ROE 8.34 0.10 (8.68) (0.56) (10.89) 16.39 12.07 14.08 8.43 9.09
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
OPRT Oportun Financial Corporation $423.5M 22.7× 4.6× −0.48% (below 0%: shrinking) +13.33% (above 0%: growing) +5.05% (above 0%: growing) 82.02% 0.00% Compare
FINV PPDAI Group Inc. Sponsored ADR $410.6M 2.8× 4.1× +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. $318.0M 6.8× 6.4× +6.71% (above 0%: growing) −14.95% (below 0%: shrinking) +1.86% (above 0%: growing) 100.00% 19.97% Compare
PMTS CPI Card Group Inc. $297.9M 20.7× 9.0× +14.97% (above 0%: growing) +260.00% (above 0%: growing) +4,762.29% (above 0%: growing) 32.50% 7.95% Compare
FOA Finance of America Companies Inc. $279.1M — (loss-making) — (loss-making) −64.77% (below 0%: shrinking) n/m −89.96% (below 0%: shrinking) 100.00% (69.79%) Compare
MFIN Medallion Financial Corp. $256.9M 8.0× 8.6× +2.54% (above 0%: growing) −34.69% (below 0%: shrinking) +176.13% (above 0%: growing) 69.47% 0.00%
CPSS Consumer Portfolio Services, Inc. $200.9M 9.2× 6.8× +10.59% (above 0%: growing) +31.82% (above 0%: growing) +94.93% (above 0%: growing) 100.00% 60.37% Compare
HTT High Templar Tech Limited - Sponsored ADR $199.4M 3.5× — (loss-making) −90.80% (below 0%: shrinking) n/m +347.70% (above 0%: growing) 20.72% (2,664.81%) Compare
TROO TROOPS, Inc. $196.7M — (loss-making) — +10.79% (above 0%: growing) +101.54% (above 0%: growing) −94.20% (below 0%: shrinking) 23.83% 0.00% Compare
Median of peers $288.5M 8.0× 6.4× +3.57% +22.58% +3.46% 80.24% 3.98%

All 55 Credit Services stocks →

Medallion Financial Corp. (MFIN) key facts

  • Strength: Medallion Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $353.3 million, up 17.0% from fiscal 2024.
  • Medallion Financial Corp. (MFIN) is a Credit Services company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, MFIN traded at $11.19, a market capitalization of $256.9 million.
  • Medallion Financial Corp. pays an annual dividend of $0.52 per share, a yield of 4.65%, with a payout ratio of 39.1%.
  • Return on equity was 9.09% and debt-to-equity 0.57.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Medallion Financial Corp. (MFIN) Latest News

12 Jun

stockrow.com/MFIN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com