The earnings call reflects a strong performance with significant increases in net income and strategic successes, particularly in the commercial and strategic partnership segments. However, these positive aspects are balanced by challenges such as decreased originations, increased credit loss provisions, and higher operating costs.

Company Guidance

During the second quarter earnings call for Medallion Financial Corp., the company reported a net income increase of 56% to $11.1 million, with earnings per share rising to $0.46. Net interest income grew by 7% to $53.4 million, and the net interest margin remained steady at 8.09%. Despite a decrease in total loan originations from $277.6 million to $197 million year-over-year, interest income rose by 9% to $71.2 million. The recreation loan book grew to $1.55 billion, representing 62% of total loans, while the home improvement loan book increased to $803.5 million, comprising 32% of total loans. Delinquencies over 90 days were 0.49% for recreational loans and 0.16% for home improvement loans. The commercial segment generated $3.3 million in income, with an average interest rate of 13.43%. Additionally, the strategic partnership program achieved a record level of $168.6 million in originations. The company also emphasized its commitment to shareholder value, repurchasing over 48,000 shares and increasing its quarterly dividend by 20% year-over-year.

Significant Increase in Net Income

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

Growth in Net Interest Income

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

Expansion in Commercial Segment

The commercial segment generated $3.3 million in income and has generated a total of $27.6 million over the past 8 quarters.

Strategic Partnership Program Success

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

Capital Allocation and Shareholder Returns

The company repurchased over 48,000 shares and increased the quarterly dividend by 20% year-over-year.

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

Daily Earnings Calendar >

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	$9.98	$10.09	+1.10%
Apr 30, 2025	$8.59	$8.64	+0.58%
Mar 04, 2025	$7.87	$8.44	+7.24%
Oct 29, 2024	$8.98	$8.93	-0.56%

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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