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Medallion Financial Corp. (MFIN) vs Regional Management Corp. (RM)

Medallion Financial Corp. and Regional Management Corp. are both Credit Services companies. Regional Management Corp. is the larger, with a market value of $318.0M against $256.9M — 1.2× the size. Regional Management Corp. trades at the lower P/E: 6.8× against 8.0×. Regional Management Corp. grew revenue faster over the last twelve months: 9.63% against 5.59%. Medallion Financial Corp. has the higher net margin (9.25% vs 6.98%) and the higher return on invested capital (7.06% vs 4.89%). Both pay a dividend; Medallion Financial Corp. yields more (4.65% vs 3.49%). Across the 21 metrics below, Regional Management Corp. leads on 12 and Medallion Financial Corp. on 9.

Valuation

Metric MFIN RM Credit Services median
P/E 7.99 6.77 9.39
P/S 0.74 0.46 0.86
P/B 0.52 0.82 1.16
Price to free cash flow 1.49 0.99 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.51% 14.78% 6.55%
Free cash flow yield 67.12% 100.66% 12.26%

Profitability

Metric MFIN RM Credit Services median
Gross margin 70.72% 100.00% 77.13%
Operating margin 0.00% 22.53% 0.34%
Net margin 9.25% 6.98% 9.25%
Free cash flow margin 49.97% 46.38% 12.91%
Return on equity 6.23% 12.63% 8.49%
Return on assets 1.07% 2.29% 2.16%
Return on invested capital 7.06% 4.89% 4.09%

Growth

Metric MFIN RM Credit Services median
Revenue growth (TTM) 5.59% 9.63% 4.62%
EPS growth (last fiscal year) 17.11% 7.49% 21.94%
Revenue growth, 5-year CAGR 20.51% 11.54% 9.13%
Net income growth, 5-year CAGR 0.00% 10.69% 0.00%

Health

Metric MFIN RM Credit Services median
Debt to equity 0.57 4.42 0.68
Current ratio 1.22 64.04 1.55
Net debt to EBITDA 0.00 10.79 0.13

Dividend

Metric MFIN RM Credit Services median
Dividend yield 4.65% 3.49% 1.64%
Payout ratio 0.39 0.25 0.22

Size

Metric MFIN RM Credit Services median
Market cap 256.92m 318.02m 751.08m

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