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
$227.29M
Enterprise Value$398.49M
Total Cash (Recent Filing)$96.30M
Total Debt (Recent Filing)$265.35M
Price to Earnings (P/E)5.6
Beta0.75
Next Earnings
Aug 04, 2026EPS Estimate
0.29Next Dividend Ex-DateN/A
Dividend Yield4.44%
Share Statistics
EPS (TTM)1.57
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 Cap1.75
Enterprise Value/Revenue1.18
Enterprise Value/Gross Profit1.65
Enterprise Value/Ebitda3.10
Forecast
1Y Price Target
$11.25Price Target Upside17.92% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)1.12
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strong Operating Cash GenerationConsistent, strong operating cash flow that covers net income by ~2.7x and rising free cash flow provides durable internal funding for lending growth, dividends, and loss absorption. This reduces reliance on volatile wholesale funding and supports long-term capital allocation flexibility.
Improving Leverage And Balance-sheet ResilienceA materially improved debt-to-equity (~0.64 TTM) and growing equity base strengthen solvency and give the bank scope to expand lending or withstand credit stress. Lower leverage enhances financial flexibility and reduces refinancing and covenant risk over the medium term.
Expanded Funding Flexibility Via Senior NotesThe $75M senior note offering diversifies and lengthens the company’s funding profile, backing planned consumer and commercial loan growth. Institutional demand and investment-grade assessment for the placement indicate external confidence and raise durable capacity to originate loans without disrupting deposit strategy.
Bears Say
Sharp Revenue ContractionA ~35% TTM revenue decline reflects lost originations or portfolio run-off that materially reduces scale economies. Sustained top-line weakness constrains net interest income expansion, limits fee income growth, and makes margins and dividend policy more sensitive to modest shocks over the coming quarters.
Weakened Returns On EquityROE erosion to roughly 10% from prior mid-to-high teens signals lower capital efficiency. For a specialty lender, reduced return on equity can restrict reinvestment, slow organic growth, and place pressure on payout policies unless earnings power or leverage is meaningfully restored.
SBA Debenture Regulatory RiskAn SBA-declared default on debentures, even if later addressed, shows exposure to program compliance that can trigger acceleration, higher funding costs, or restrictions on SBA-backed activities. Such regulatory overhangs can intermittently constrain liquidity and funding strategy for the bank.
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 $227.29M.
When is Medallion Financial’s upcoming earnings report date?
Medallion Financial’s upcoming earnings report date is Aug 04, 2026 which is in 44 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 $0.14 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 0.29.
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 $0.2 in its last earnings report, missing expectations of $0.335. Following the earnings report the stock price went down -1.074%.
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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10
Analyst Consensus
Hold
Average Price Target:
$11.25 (17.92% Upside)
$11.25 (17.92% Upside)
Blogger Sentiment
Bullish
MFIN Sentiment 100%
Sector Average ―
Sector Average ―
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.09%
12-Months-Change
Fundamentals
Return on Equity
9.85%
Trailing 12-Months
Asset Growth
4.35%
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
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
$11.25
▲(17.92% 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
22.77% Insiders
7.35% Mutual Funds
9.04% Other Institutional Investors
53.51% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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