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Medallion Financial (MFIN)
NASDAQ:MFIN
Earnings Data
Report Date
May 04, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.34Last Year’s EPS
0.5Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
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.Company Guidance
Record Year and Top-Line Growth
2025 marked a record year with increases in net interest income, net income, originations, and portfolio size. Total originations were $421,000,000 for the quarter and $1,500,000,000 for the full year. Total loans reached $2,567,000,000, up 3% year-over-year.
Net Interest Income and Margin Expansion
Net interest income grew 8% in the fourth quarter to $56,400,000 (from $52,000,000) and 7% for the year to $216,900,000 (from $202,500,000). Net interest margin was 8.04% in the quarter, up 20 basis points year-over-year; total interest yield rose 16 basis points to 11.7%.
Consumer Lending Strength
Consumer interest income was $74,500,000 for the quarter and $289,900,000 for the year (growing ~5% vs. same period and ~8% year-over-year). Direct loan book grew 5% to $1,600,000,000 (63% of total loans). Recreation originations rose to $97,200,000 (from $72,200,000 a year ago) and interest income for recreation increased ~6% to $54,200,000.
High-Quality Home Improvement Book
Home improvement loans totaled $810,200,000 (32% of total loans). Q4 originations were $61,700,000 (down from $82,500,000 year-ago quarter), delinquency 90+ days just 0.16%, allowance at 2.41% (slightly improved from 2.48% a year ago), and average FICO on new originations ~779, indicating strong credit quality.
Commercial Lending and Equity Gains
Commercial portfolio rose to $123,100,000 (from $111,300,000), with average interest rate increasing to 14.22% (from 12.97%). Gains from equity investments were $8,800,000 in Q4 and $24,600,000 for the year, contributing meaningfully to earnings.
Strategic Partnership Program Expansion
Strategic partnership originations reached a record $258,300,000 in the quarter (second straight quarter > $200M). Though short-duration on-book, the program generated approximately $1,800,000 in income this quarter and $5,400,000 for the year (more than doubled from prior year), diversifying revenue.
Taxi Medallion Legacy Wind-Down Progress
Collected $2,500,000 cash in the quarter and $13,600,000 for the year from legacy taxi medallion assets, producing net recoveries/gains of $1,400,000 in Q4 and $4,600,000 for the year. Net taxi medallion assets declined to $4,300,000, now <0.2% of total assets.
Capital Returns and Book Value Improvement
Quarterly dividend maintained at $0.12 per share; net income attributable to shareholders was $12,200,000 in Q4 ($0.50 per diluted share), up $2,100,000 vs prior-year quarter. Full-year net income was $43,000,000 ($1.78 per share), up $7,200,000. Net book value per share increased to $17.53 (from $16.00 year-ago) and adjusted tangible book value per share rose to $12.12 (from $10.50 year-ago).
MFIN Earnings History
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 |
|---|---|---|---|
Feb 18, 2026 | $10.62 | $10.41 | -1.98% |
Oct 29, 2025 | $9.19 | $9.75 | +6.13% |
Jul 30, 2025 | $9.86 | $9.97 | +1.10% |
Apr 30, 2025 | $8.48 | $8.54 | +0.68% |
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 May 04, 2026, After Close (Confirmed).
What is Medallion Financial (MFIN) earnings time?
Medallion Financial (MFIN) earnings time is at May 04, 2026, 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 2026 (Q1) is 0.34.