Medallion Financial (MFIN)
NASDAQ:MFIN
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MFIN Stock Chart & Stats
$9.54
-$0.21(-2.23%)
At close: 4:00 PM EST
$9.54
-$0.21(-2.23%)
Day’s Range― - ―
52-Week Range$7.85 - $11.00
Previous CloseN/A
Volume4.09K
Average Volume (3M)43.20K
Market Cap
$224.43M
Enterprise Value$352.64M
Total Cash (Recent Filing)$261.75M
Total Debt (Recent Filing)$316.28M
Price to Earnings (P/E)10.0
Beta0.69
Next Earnings
Aug 04, 2026EPS Estimate
0.3Next Dividend Ex-DateN/A
Dividend Yield4.44%
Share Statistics
EPS (TTM)1.89
Shares Outstanding23,864,437
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 Cap1.57
Enterprise Value/Revenue1.04
Enterprise Value/Gross Profit1.75
Enterprise Value/Ebitda3.17
Forecast
1Y Price Target
$12.00Price Target Upside25.79% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.43
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Steady Revenue And ProfitabilityMulti-year revenue growth and sustained profitability since 2021 indicate scalable lending economics and expanding origination capacity. Consistent top-line expansion supports reinvestment in underwriting, technology, and partnerships, underpinning durable net interest income over coming quarters.
Consistent Cash GenerationReliable operating and free cash flow provides internal funding for dividends, buybacks, debt retirements, and loan growth. Strong cash conversion reduces dependence on external capital, improving financial flexibility and supporting disciplined mid‑teens growth targets without eroding liquidity.
Diversifying Originations Via Strategic PartnershipsRapidly scaling strategic partnership originations diversifies channels beyond legacy books, creating a repeatable, partner-driven flow that can boost short-duration originations and fee income. This structural shift lowers concentration risk and accelerates growth without proportional expansion in fixed costs.
Bears Say
Elevated Recreation Credit LossesSustained high charge-offs in the largest segment weaken margins and earnings durability. Persistent loss severity forces higher pricing, tighter underwriting, or larger reserves; any of these constrain sustainable returns and could slow scalable growth in the recreation book as it expands.
Volatile And Rising Credit ProvisionsA sharp provision build compresses reported earnings and signals loss-rate normalization. Large, erratic provisioning increases earnings volatility and reduces retained capital availability, potentially forcing slower origination or reduced capital returns until credit metrics stabilize over several quarters.
SBA Debenture Default / Regulatory Funding RiskRegulatory default at the subsidiary creates execution and funding risk: noncompliance could trigger acceleration or remedies, raise funding costs, and invite heightened oversight. Even if isolated, remediation demands management bandwidth and could pressure liquidity or capital plans over the medium term.
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 $11.00 in the past 12 months.
What is Medallion Financial’s market cap?
Medallion Financial’s market cap is $224.43M.
When is Medallion Financial’s upcoming earnings report date?
Medallion Financial’s upcoming earnings report date is Aug 04, 2026 which is in 88 days.
How were Medallion Financial’s earnings last quarter?
Medallion Financial released its earnings results on Apr 29, 2026. The company reported $0.2 earnings per share for the quarter, missing the consensus estimate of $0.335 by -$0.135.
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 $0.12 which represents an annual dividend yield of 4.44%. See more information on Medallion Financial dividends here
What is Medallion Financial’s EPS estimate?
Medallion Financial’s EPS estimate is 0.3.
How many shares outstanding does Medallion Financial have?
Medallion Financial has 23,864,437 shares outstanding.
What happened to Medallion Financial’s price movement after its last earnings report?
Medallion Financial reported an EPS of $0.2 in its last earnings report, missing expectations of $0.335. Following the earnings report the stock price went down -1.08%.
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
Neutral
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Analyst Consensus
Hold
Average Price Target:
$12.00 (25.79% Upside)
$12.00 (25.79% Upside)
Blogger Sentiment
Bullish
MFIN Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 2.0K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.09%
12-Months-Change
Fundamentals
Return on Equity
9.85%
Trailing 12-Months
Asset Growth
3.61%
Trailing 12-Months
Company Description
Medallion Financial
Medallion Financial Corp., together with its subsidiaries, operates as a finance company in the United States. The company operates through four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. It provides loans that finance consumer purchases of recreational vehicles, boats, and trailers; consumer home improvements; commercial businesses; and taxi medallions to individuals, and small to mid-size businesses. The company also offers commercial loans for purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and medallion loans. In addition, it provides debt, mezzanine, and equity investment capital to companies in various industries; and raises deposits and conducts other banking activities. Medallion Financial Corp. was incorporated in 1995 and is headquartered in New York City, New York.
MFIN Company Deck
MFIN Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive tone driven by record annual results, growth in net interest income, increased loan balances and originations, strong equity gains, improved book values, and successful diversification (strategic partnerships). However, the quarter also showed notable credit and expense headwinds: a sizable provision build, elevated recreation net charge-offs and delinquency, higher operating expenses, and potential margin pressure from rate moderation. Management presented clear actions (talent additions, capital availability, data-driven underwriting) and expects disciplined mid-teens growth in key lines, suggesting confidence in resolving near-term credit and margin dynamics while pursuing sustainable growth.View all MFIN earnings summariesMFIN Stock 12 Month Forecast
Average Price Target
$12.00
▲(25.79% Upside)
Technical Analysis
Consumer Portfolio Services
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Regional Management
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Open Lending
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Sui Group Holdings
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Oportun Financial
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Ownership Overview
22.76% Insiders
7.47% Mutual Funds
1.03% Other Institutional Investors
60.83% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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