The earnings call highlights significant achievements in net income growth, strategic partnerships, and dividend increases. However, challenges include decreased loan originations, increased delinquencies, and higher operating costs. The positive aspects are promising, but the negative aspects indicate areas that require attention.

Company Guidance -

Q3 2025

During Medallion Financial Corp.'s second quarter earnings call, the company reported a 56% increase in net income to $11.1 million and an earnings per share increase to $0.46. Net interest income rose 7% to $53.4 million, while the net interest margin held steady at 8.09%. The recreation loan book grew to $1.55 billion, and the home improvement loan book reached $803.5 million. Delinquencies for recreation loans were 0.49%, and for home improvement loans, 0.16%. The company's commercial segment generated $3.3 million of income, with the portfolio growing to $121.4 million at an average interest rate of 13.43%. Medallion's strategic partnership program achieved record originations of $168.6 million. The company also repurchased over 48,000 shares and paid a quarterly dividend of $0.12 per share, reflecting a 20% year-over-year increase.

Significant Increase in Net Income

Net income increased 56% to $11.1 million compared to the second quarter of last year, with earnings per share rising to $0.46.

Growth in Net Interest Income

Net interest income grew 7% to $53.4 million, and net interest margin remained steady at 8.09%.

Strong Performance in Strategic Partnership Program

The strategic partnership program reached a record level of $168.6 million in loan originations this quarter.

Increased Dividend

Quarterly dividend increased by 20% year-over-year, marking the third increase since it was reinstated 3 years ago.

Growing Commercial Loan Portfolio

Commercial segment generated $3.3 million of income this quarter, with a total of $27.6 million over the past 8 quarters.

Medallion Financial (MFIN) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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MFIN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 03, 2025	2025 (Q3)	0.34 / -	0.37	―	―	―
Jul 30, 2025	2025 (Q2)	0.32 / 0.46	0.3	53.33% (+0.16)
Apr 30, 2025	2025 (Q1)	0.36 / 0.50	0.42	19.05% (+0.08)
Mar 04, 2025	2024 (Q4)	0.37 / 0.43	0.6	-28.33% (-0.17)
Oct 29, 2024	2024 (Q3)	0.37 / 0.37	0.48	-22.92% (-0.11)
Jul 30, 2024	2024 (Q2)	0.35 / 0.30	0.62	-51.61% (-0.32)
Apr 30, 2024	2024 (Q1)	0.36 / 0.42	0.67	-37.31% (-0.25)
Feb 20, 2024	2023 (Q4)	0.63 / 0.60	0.57	5.26% (+0.03)
Oct 30, 2023	2023 (Q3)	0.45 / 0.48	0.32	50.00% (+0.16)
Jul 24, 2023	2023 (Q2)	0.36 / 0.62	0.54	14.81% (+0.08)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

MFIN Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 30, 2025	$10.10	$10.21	+1.09%
Apr 30, 2025	$8.69	$8.74	+0.58%
Mar 04, 2025	$7.96	$8.54	+7.29%
Oct 29, 2024	$9.09	$9.03	-0.66%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Medallion Financial (MFIN) report earnings?

Medallion Financial (MFIN) is schdueled to report earning on Nov 03, 2025, After Close (Confirmed).

What is Medallion Financial (MFIN) earnings time?

Medallion Financial (MFIN) earnings time is at Nov 03, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is MFIN EPS forecast?

MFIN EPS forecast for the fiscal quarter 2025 (Q3) is 0.35.

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