Medallion Financial (MFIN)
NASDAQ:MFIN
MFIN Stock Chart & Stats
$8.49
-$0.21(-2.23%)
At close: 4:00 PM EST
$8.49
-$0.21(-2.23%)
Day’s Range― - ―
52-Week Range$7.78 - $11.00
Previous CloseN/A
Volume4.09K
Average Volume (3M)43.20K
Market Cap
$199.77M
Enterprise Value$313.07M
Total Cash (Recent Filing)$261.75M
Total Debt (Recent Filing)$316.28M
Price to Earnings (P/E)5.4
Beta0.59
Next Earnings
May 04, 2026EPS Estimate
0.34Next Dividend Ex-DateN/A
Dividend Yield4.44%
Share Statistics
EPS (TTM)0.50
Shares Outstanding23,530,083
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/Revenue0.92
Enterprise Value/Gross Profit1.55
Enterprise Value/Ebitda2.81
Forecast
1Y Price Target
$12.00Price Target Upside41.34% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.59
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strategic Partnership GrowthRapid scaling of strategic-partner originations establishes a diversified, short-duration distribution channel that materially increases origination capacity and recurring fee/NII contribution. Over the next 2–6 months this channel supports durable growth, lowers single-book concentration risk, and improves scalability of originations and servicing economics.
Strong Net Interest Income And MarginsSustained NII growth with NIM around 8% underpins the firm's core spread-based business model. Durable margins at this level support strong cash generation and recurring distributable earnings, enabling dividends and buybacks while funding loan growth if credit and funding costs remain controlled over the medium term.
Improved Capitalization And Manageable LeverageA strengthened capital base and moderate leverage provide resilience against credit volatility and support continued lending. Improved equity and manageable debt ratios enhance financial flexibility for funding originations, absorbing provisions, and executing capital returns without materially constraining growth over coming quarters.
Bears Say
Elevated Recreation Credit LossesThe recreation book is the largest portfolio and recent elevated charge-offs and delinquencies materially increase credit volatility risk. Persistently high losses would erode earnings and capital, forcing tighter underwriting or higher pricing, which could depress originations and margins over the next several months if not reined in.
Volatile Earnings And Margin SustainabilityEarnings quality has been uneven and 2025’s margin improvement may reflect one-off items. If margins revert toward prior averages, net income and cash generation could weaken. This volatility complicates planning, dividend sustainability, and the firm’s ability to scale lending profitably across economic cycles in the medium term.
Rising Operating Costs As Company ScalesScaling origination channels and talent additions are increasing fixed and variable operating expenses. If revenue and NII growth do not consistently outpace these rising costs, margin compression could occur. Elevated expense growth reduces near-term earnings leverage and requires disciplined efficiency gains to protect profitability.
Medallion Financial News
MFIN FAQ
What was Medallion Financial’s price range in the past 12 months?
Medallion Financial lowest stock price was $7.78 and its highest was $11.00 in the past 12 months.
What is Medallion Financial’s market cap?
Medallion Financial’s market cap is $199.77M.
When is Medallion Financial’s upcoming earnings report date?
Medallion Financial’s upcoming earnings report date is May 04, 2026 which is in 38 days.
How were Medallion Financial’s earnings last quarter?
Medallion Financial released its earnings results on Feb 18, 2026. The company reported $0.5 earnings per share for the quarter, beating the consensus estimate of $0.415 by $0.085.
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 0.34.
How many shares outstanding does Medallion Financial have?
Medallion Financial has 23,530,083 shares outstanding.
What happened to Medallion Financial’s price movement after its last earnings report?
Medallion Financial reported an EPS of $0.5 in its last earnings report, beating expectations of $0.415. Following the earnings report the stock price went down -1.976%.
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:
$12.00 (41.34% Upside)
$12.00 (41.34% Upside)
Blogger Sentiment
Bullish
MFIN Sentiment 100%
Sector Average 68%
Sector Average 68%
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
11.82%
Trailing 12-Months
Asset Growth
3.04%
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
Q4 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
▲(41.34% 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
23.08% Insiders
7.57% Mutual Funds
10.71% Other Institutional Investors
50.64% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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