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Medallion Financial (MFIN)
NASDAQ:MFIN
US Market
MFIN
Medallion Financial
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Medallion Financial (MFIN) Ratios

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Medallion Financial Ratios

MFIN's free cash flow for Q4 2025 was $0.97. For the 2025 fiscal year, MFIN's free cash flow was decreased by $ and operating cash flow was $0.48. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 55.28 27.10 0.05 0.06 0.06
Quick Ratio
 55.28 27.10 0.05 0.06 0.06
Cash Ratio
 2.83 2.01 0.05 0.03 0.02
Solvency Ratio
 0.02 0.02 0.02 0.03 0.03
Operating Cash Flow Ratio
 2.58 1.26 0.05 0.06 0.07
Short-Term Operating Cash Flow Coverage
 2.58 1.33 2.36 14.22 21.75
Net Current Asset Value
$ 265.12M$ 270.65M$ -2.31B$ -2.05B$ -1.79B
Leverage Ratios
Debt-to-Assets Ratio
 0.09 0.11 0.10 0.10 0.10
Debt-to-Equity Ratio
 0.64 0.77 0.78 0.74 0.76
Debt-to-Capital Ratio
 0.39 0.44 0.44 0.42 0.43
Long-Term Debt-to-Capital Ratio
 0.34 0.35 0.39 0.41 0.42
Financial Leverage Ratio
 7.23 7.23 7.75 7.54 7.49
Debt Service Coverage Ratio
 0.45 0.79 0.35 0.94 1.34
Interest Coverage Ratio
 0.85 1.81 0.71 1.37 1.88
Debt to Market Cap
 1.26 1.33 1.33 1.10 1.30
Interest Debt Per Share
 15.72 18.21 16.71 14.04 11.28
Net Debt to EBITDA
 1.40 0.64 2.75 2.20 2.69
Profitability Margins
Gross Profit Margin
49.06%96.75%43.57%60.41%66.62%
EBIT Margin
25.25%50.47%21.57%33.80%34.19%
EBITDA Margin
26.49%50.47%23.70%35.86%36.83%
Operating Profit Margin
25.25%50.47%21.57%33.80%34.19%
Pretax Profit Margin
21.20%22.61%21.57%33.80%34.19%
Net Profit Margin
11.75%12.18%12.30%21.64%22.09%
Continuous Operations Profit Margin
13.91%15.66%14.37%24.02%25.14%
Net Income Per EBT
55.43%53.88%57.01%64.02%64.61%
EBT Per EBIT
83.93%44.80%100.00%100.00%100.00%
Return on Assets (ROA)
1.34%1.46%1.25%2.13%1.94%
Return on Equity (ROE)
9.85%10.53%9.69%16.06%14.53%
Return on Capital Employed (ROCE)
2.93%6.25%9.03%12.74%10.94%
Return on Invested Capital (ROIC)
2.02%4.27%5.60%8.91%7.95%
Return on Tangible Assets
1.42%1.54%1.33%2.28%2.10%
Earnings Yield
18.50%18.37%16.95%24.84%26.04%
Efficiency Ratios
Receivables Turnover
 0.13 0.14 16.73 17.91 13.49
Payables Turnover
 0.00 0.00 5.49 2.87 2.59
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 17.45 29.79 21.21 18.08 15.07
Asset Turnover
 0.11 0.12 0.10 0.10 0.09
Working Capital Turnover Ratio
 0.13 1.25 -0.15 -0.15 -0.15
Cash Conversion Cycle
 2.72K 2.54K -44.66 -106.87 -113.80
Days of Sales Outstanding
 2.72K 2.54K 21.82 20.38 27.05
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 66.49 127.25 140.86
Operating Cycle
 2.72K 2.54K 21.82 20.38 27.05
Cash Flow Ratios
Operating Cash Flow Per Share
 5.48 5.54 5.12 5.05 4.61
Free Cash Flow Per Share
 5.48 5.54 5.12 5.05 4.61
CapEx Per Share
 0.00 0.00 0.00 0.00 0.00
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 11.51 11.51 12.30 14.77 14.42
Capital Expenditure Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Coverage Ratio
 0.48 0.40 0.40 0.45 0.47
Operating Cash Flow to Sales Ratio
 0.38 0.36 0.40 0.45 0.55
Free Cash Flow Yield
57.96%53.89%54.56%51.31%64.58%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 5.17 5.44 5.90 4.03 3.84
Price-to-Sales (P/S) Ratio
 0.62 0.66 0.73 0.87 0.85
Price-to-Book (P/B) Ratio
 0.50 0.57 0.57 0.65 0.56
Price-to-Free Cash Flow (P/FCF) Ratio
 1.65 1.86 1.83 1.95 1.55
Price-to-Operating Cash Flow Ratio
 1.62 1.86 1.83 1.95 1.55
Price-to-Earnings Growth (PEG) Ratio
 -0.86 0.29 -0.17 0.13 -0.25
Price-to-Fair Value
 0.50 0.57 0.57 0.65 0.56
Enterprise Value Multiple
 3.74 1.96 5.81 4.63 5.00
Enterprise Value
 342.39M 349.06M 402.06M 422.20M 365.14M
EV to EBITDA
 3.84 1.96 5.81 4.63 5.00
EV to Sales
 1.02 0.99 1.38 1.66 1.84
EV to Free Cash Flow
 2.71 2.76 3.48 3.71 3.36
EV to Operating Cash Flow
 2.71 2.76 3.48 3.71 3.36
Tangible Book Value Per Share
 14.72 14.91 11.93 10.68 8.38
Shareholders’ Equity Per Share
 17.70 17.94 16.42 15.24 12.79
Tax and Other Ratios
Effective Tax Rate
 0.31 0.31 0.33 0.29 0.26
Revenue Per Share
 14.58 15.51 12.94 11.31 8.41
Net Income Per Share
 1.71 1.89 1.59 2.45 1.86
Tax Burden
 0.55 0.54 0.57 0.64 0.65
Interest Burden
 0.84 0.45 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 -0.01 0.01 0.14 0.16 0.17
Stock-Based Compensation to Revenue
 0.02 0.02 0.02 0.00 0.02
Income Quality
 2.55 2.28 2.76 2.07 2.18
Currency in USD