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Screener Weekly Summary Pricing

Finance of America Companies Inc. (FOA) vs Medallion Financial Corp. (MFIN)

Finance of America Companies Inc. and Medallion Financial Corp. are both Credit Services companies. Finance of America Companies Inc. is the larger, with a market value of $365.5M against $271.6M — 1.3× the size. Finance of America Companies Inc. has negative trailing earnings, so its P/E is not meaningful; Medallion Financial Corp. trades at 8.5×. Medallion Financial Corp. grew revenue faster over the last twelve months: 5.59% against −42.3%. Medallion Financial Corp. has the higher net margin (9.25% vs −0.10%) and the higher return on invested capital (7.06% vs −0.12%). Across the 18 metrics below, Medallion Financial Corp. leads on 13 and Finance of America Companies Inc. on 5.

Valuation

Metric FOA MFIN Credit Services median
P/E n/m 8.54 9.64
P/S 0.38 0.80 0.87
P/B 0.32 0.55 1.16
Price to free cash flow n/m 1.59 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 107.43 1.03 2.32
Earnings yield (2.48%) 11.71% 6.72%
Free cash flow yield (373.45%) 62.79% 12.33%

Profitability

Metric FOA MFIN Credit Services median
Gross margin 100.00% 70.72% 77.13%
Operating margin (20.35%) 0.00% 0.34%
Net margin (0.10%) 9.25% 9.25%
Free cash flow margin (164.79%) 49.97% 13.03%
Return on equity (0.08%) 6.23% 8.49%
Return on assets 0.00% 1.07% 2.29%
Return on invested capital (0.12%) 7.06% 4.09%

Growth

Metric FOA MFIN Credit Services median
Revenue growth (TTM) (42.27%) 5.59% 4.62%
EPS growth (last fiscal year) 216.95% 17.11% —
Revenue growth, 5-year CAGR (22.12%) 20.51% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric FOA MFIN Credit Services median
Debt to equity 89.53 0.57 0.68
Current ratio 3.02 1.22 1.55
Net debt to EBITDA 177.25 0.00 0.13

Dividend

Metric FOA MFIN Credit Services median
Dividend yield — 3.38% 3.34%
Payout ratio 0.00 0.15 0.00

Size

Metric FOA MFIN Credit Services median
Market cap 365.45m 271.62m 872.19m

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