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MFIN Stock Chart & Stats
$9.77
$0.02(0.20%)
At close: 4:00 PM EDT
$9.77
$0.02(0.20%)
Day’s Range― - ―
52-Week Range$7.85 - $11.05
Previous Close$9.79
Volume15.44K
Average Volume (3M)43.20K
Market Cap
$229.74M
Enterprise Value$2.78K
Total Cash (Recent Filing)$275.92M
Total Debt (Recent Filing)$345.92M
Price to Earnings (P/E)7.1
Beta0.71
Next Earnings
Nov 02, 2026EPS Estimate
0.32Next Dividend Ex-DateN/A
Dividend Yield5.03%
Share Statistics
EPS (TTM)1.40
Shares Outstanding23,112,663
10 Day Avg. Volume47,971
30 Day Avg. Volume43,203
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)0.57
Price to Sales (P/S)0.66
P/FCF Ratio1.86
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$11.25Price Target Upside15.15% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)1.1
Revenue Forecast (FY)$238.58M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationVery strong trailing‑12‑month operating and free cash flow provides durable internal funding for loan growth, dividends, and buybacks. Robust cash conversion reduces reliance on wholesale funding, supports provisioning during growth, and increases resilience to funding shocks over coming quarters.
Scalable Origination & PartnershipsRecord originations in recreation and home‑improvement niches, plus partner‑sourced $247.1M and a fifth strategic partner, indicate diversified, scalable origination channels. This structural distribution of loan sourcing supports repeatable volume, fee income, and sustained portfolio expansion over multiple quarters.
Manageable Balance Sheet LeverageConsistently sub‑1.0 debt/equity and rising equity provide a conservative capital structure for a specialty lender. Manageable leverage improves capital flexibility to absorb credit volatility, facilitates periodic loan sales and buybacks, and supports long‑term capital returns without endangering solvency.
Bears Say
Elevated Day‑1 Credit ProvisioningMaterial Day‑1 provisioning tied to rapid new originations is a structural headwind to reported earnings as growth scales. Repeated Day‑1 reserves will continue to depress GAAP EPS and can obscure true portfolio performance, forcing management to balance growth with provision volatility over coming quarters.
Concentrated Recreation Credit LossesRecreation portfolio charge‑offs at ~3.14% highlight a persistent credit risk concentration in that niche. Elevated losses can erode net interest income, require sustained higher provisions, and limit capital available for growth or distributions if loss rates do not normalize within the next several quarters.
Margin & Expense PressureSequential NIM compression alongside a ~16% rise in operating costs creates durable earnings pressure. If funding costs remain elevated or expense investment continues, restoring prior profitability will require sustained higher yields, improved credit outcomes, or structural cost efficiencies over the next several quarters.
Medallion Financial News
MFIN FAQ
What was Medallion Financial’s price range in the past 12 months?
Medallion Financial lowest stock price was $7.85 and its highest was $11.05 in the past 12 months.
What is Medallion Financial’s market cap?
Medallion Financial’s market cap is $229.74M.
When is Medallion Financial’s upcoming earnings report date?
Medallion Financial’s upcoming earnings report date is Nov 02, 2026 which is in 87 days.
How were Medallion Financial’s earnings last quarter?
Medallion Financial released its earnings results on Jul 29, 2026. The company reported $0.31 earnings per share for the quarter, beating the consensus estimate of $0.286 by $0.024.
Is Medallion Financial overvalued?
According to Wall Street analysts Medallion Financial’s price is currently Undervalued.
Does Medallion Financial pay dividends?
Medallion Financial pays a Quarterly dividend of $0.14 which represents an annual dividend yield of 5.03%. See more information on Medallion Financial dividends here
What is Medallion Financial’s EPS estimate?
Medallion Financial’s EPS estimate is 0.32.
How many shares outstanding does Medallion Financial have?
Medallion Financial has 23,112,663 shares outstanding.
What happened to Medallion Financial’s price movement after its last earnings report?
Medallion Financial reported an EPS of $0.31 in its last earnings report, beating expectations of $0.286. Following the earnings report the stock price went up 1.712%.
Which hedge fund is a major shareholder of Medallion Financial?
Currently, no hedge funds are holding shares in MFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Medallion Financial Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$11.25 (15.15% Upside)
$11.25 (15.15% Upside)
Blogger Sentiment
Bullish
MFIN Sentiment 100%
Sector Average ―
Sector Average ―
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.09%
12-Months-Change
Fundamentals
Return on Equity
5.03%
Trailing 12-Months
Asset Growth
10.89%
Trailing 12-Months
Company Description
Medallion Financial
Medallion Financial Corp. (MFIN), encompassing its various subsidiaries, functions as a diversified financial services provider throughout the United States. The company's operations are distinctly segmented into Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. MFIN specializes in extending credit for consumer acquisitions of recreational vehicles, boats, and trailers, as well as for residential improvement projects. Furthermore, it offers commercial financing for business purposes, including the procurement of equipment, the establishment of new ventures, or the acquisition and enhancement of existing businesses. A notable segment involves providing loans for taxi medallions to individual operators and small to medium-sized enterprises. Beyond direct lending, Medallion Financial also allocates debt, mezzanine, and equity investment capital to companies across various industries, while additionally engaging in deposit-taking and other banking services. Established in 1995, Medallion Financial Corp. maintains its primary office in New York City, New York.
MFIN Company Deck
MFIN Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong origination momentum and record net interest income, material loan and asset growth, successful partnership expansion, and continued shareholder-friendly capital deployment (dividend increase and buybacks). Key near-term negatives included elevated Day 1 provisions tied to rapid portfolio growth, higher operating expenses as the company invests in talent and technology, some NIM compression sequentially, and a decline in GAAP net income/EPS versus the prior year. Management presented the provision and temporary earnings impacts as expected and acceptable trade-offs for scalable growth and long-term shareholder value.View all MFIN earnings summariesMFIN Stock 12 Month Forecast
Average Price Target
$11.25
▲(15.15% Upside)
Technical Analysis
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Ownership Overview
23.32% Insiders
7.56% Mutual Funds
1.17% Other Institutional Investors
59.54% Public Companies and
Individual Investors