Medallion Financial (MFIN) AI Stock Analysis

• Market Cap: $218.66M
• Dividend Yield: 5.1%
• Average Volume (3M): 39.02K
• Price to Earnings (P/E): 5.9
• Beta (1Y): 0.80
• Revenue Growth: 13.93%
• EPS Growth: -23.70%
• Country: US
• Employees: 174
• Sector: Financial
• Sector Strength: 77
• Industry: Financial - Credit Services
• EPS (TTM): 0.50
• Shares Outstanding: 23,236,480
• 10 Day Avg. Volume: 34,491
• 30 Day Avg. Volume: 39,016
• PEG Ratio: -0.25
• Price to Book (P/B): 0.56
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 1.55
• Enterprise Value/Market Cap: 1.35
• Enterprise Value/Revenue: 0.26
• Enterprise Value/Gross Profit: 1.69
• Enterprise Value/Ebitda: 0.68
• 1Y Price Target: $11.00
• Price Target Upside: 15.91% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 80 Outperform
• Price Target: $11.00 ▲(15.91%Upside)

Medallion Financial's strong financial and technical performance, coupled with attractive valuation and positive earnings call highlights, support a robust stock outlook. However, some concerns over increased credit loss provisions, higher operating expenses, and an SEC penalty temper the enthusiasm. The company's strategic initiatives and shareholder-friendly actions further bolster the positive sentiment.

Medallion Financial Business Overview & Revenue Model

Company Description

Medallion Financial Corp. (MFIN) is a specialty finance company that operates primarily in the United States. The company is best known for its involvement in the origination and servicing of loans that finance taxicab medallions, but it has diversified its services over the years to include consumer lending and commercial lending. Medallion Financial Corp. works within the financial services sector, offering a range of lending solutions, including recreational and home improvement loans, through its subsidiaries.

How the Company Makes Money

Medallion Financial Corp. generates revenue through interest and fees from its loan portfolio. Its primary revenue streams include interest income from medallion loans, consumer loans, and commercial loans. The company has sought to diversify its revenue sources by expanding into consumer lending markets, particularly focusing on niche sectors such as recreational and home improvement loans. Medallion Financial also earns money from fees associated with loan origination and servicing. Partnerships with other financial institutions and dealers aid in expanding its lending reach and customer base, contributing to its earnings. The company's strategic diversification efforts have been crucial in adapting to changing market conditions and regulatory environments, especially given the challenges faced in the taxicab medallion market.

Medallion Financial Financial Statement Overview

Summary

Medallion Financial demonstrates strong financial health with consistent revenue and profit growth, backed by solid operating performance. The company maintains a stable balance sheet with manageable leverage, although there is a moderate reliance on debt. Cash flow generation remains strong, supporting future expansions and investments. Despite some fluctuations in net profit margins, the overall financial trajectory is positive.

Income Statement

The company shows a strong revenue growth with a consistent increase in total revenue from previous years, including a notable increase in the TTM period. The gross profit margin is solid, but the net profit margin has seen some fluctuations, reflecting potential cost management issues. EBIT and EBITDA margins are healthy and indicate efficient operating performance.

Balance Sheet

The balance sheet reflects a stable financial position with a reasonable debt-to-equity ratio, indicating manageable leverage. The return on equity is commendable, showing effective utilization of equity. However, the equity ratio suggests a moderate reliance on debt, which could pose a risk if not managed carefully.

Cash Flow

Cash flow statements show robust operating cash flows, which exceed net income, indicating strong cash generation capabilities. Free cash flow growth is positive, supporting future growth and investment opportunities. The company maintains a healthy free cash flow to net income ratio, reflecting efficient cash management.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
303.03M	290.70M	264.06M	156.93M	148.07M	117.21M
	Gross Profit
174.66M	203.62M	226.25M	124.45M	143.44M	86.69M
	EBIT
111.80M	289.33M	102.90M	106.14M	81.87M	-44.86M
	EBITDA
93.06M	86.27M	104.74M	87.25M	102.95M	0.00
	Net Income Common Stockholders
37.87M	35.88M	55.08M	43.84M	54.11M	-26.91M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
191.94M	172.50M	149.84M	105.60M	124.48M	112.04M
	Total Assets
2.85B	2.87B	2.59B	2.26B	1.87B	1.64B
	Total Debt
315.94M	288.59M	253.06M	229.93M	231.23M	254.07M
	Net Debt
157.95M	190.35M	200.47M	196.76M	169.74M	202.33M
	Total Liabilities
2.40B	2.43B	2.18B	1.89B	1.52B	1.34B
	Stockholders Equity
380.22M	370.17M	342.99M	301.74M	287.04M	231.41M
Cash Flow		Free Cash Flow
119.52M	115.51M	113.76M	108.74M	78.73M	78.71M
	Operating Cash Flow
119.52M	115.51M	113.76M	108.74M	78.73M	78.71M
	Investing Cash Flow
-307.57M	-335.78M	-340.70M	-449.00M	-238.32M	-170.96M
	Financing Cash Flow
176.92M	239.99M	271.18M	321.38M	172.04M	136.47M

Medallion Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.49
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MFIN, the sentiment is Positive. The current price of 9.49 is above the 20-day moving average (MA) of 9.36, above the 50-day MA of 8.95, and above the 200-day MA of 8.70, indicating a bullish trend. The MACD of 0.14 indicates Positive momentum. The RSI at 57.24 is Neutral, neither overbought nor oversold. The STOCH value of 58.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MFIN.

Medallion Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MFIN	80 Outperform	$218.66M	5.88	10.39%	5.10%	13.93%	-23.70%
OVLY	72 Outperform	$220.78M	8.88	13.99%	2.28%	0.40%	-10.62%
BPRN	69 Neutral	$212.31M	18.66	4.43%	4.00%	10.64%	-56.22%
Sector *	65 Neutral	$12.93B	9.81	7.84%	78.03%	12.20%	-7.74%
LCNB	61 Neutral	$210.88M	13.03	6.54%	5.91%	24.45%	25.77%
BLFY	51 Neutral	$194.40M	―	-3.48%	―	7.45%	-41.97%

Medallion Financial Corporate Events

Medallion Financial Increases Equity Incentive Plan Shares

On June 12, 2025, Medallion Financial Corp. held its annual meeting where stockholders approved an amendment to the 2018 Equity Incentive Plan, increasing the shares reserved for issuance by 2,000,000. This decision, previously approved by the Board of Directors, reflects the company’s commitment to enhancing its equity offerings and aligns with its strategic goals. Additionally, stockholders elected Class II Directors for terms expiring in 2028, ratified the appointment of Plante & Moran, PLLC as the independent accounting firm for 2025, and approved executive compensation for 2024. These outcomes indicate strong shareholder support for the company’s governance and financial strategies.

The most recent analyst rating on (MFIN) stock is a Hold with a $11.00 price target. To see the full list of analyst forecasts on Medallion Financial stock, see the MFIN Stock Forecast page.

Medallion Financial Settles SEC Litigation with $3M Penalty

On May 30, 2025, the U.S. District Court for the Southern District of New York entered a Final Judgment regarding Medallion Financial Corp. and its President and COO, resolving an SEC litigation. The company agreed to a settlement without admitting or denying the allegations, which includes a $3 million civil penalty and compliance-related undertakings.

The most recent analyst rating on (MFIN) stock is a Hold with a $11.00 price target. To see the full list of analyst forecasts on Medallion Financial stock, see the MFIN Stock Forecast page.

Medallion Financial to Redeem Series F Preferred Stock

On May 29, 2025, Medallion Bank announced it will redeem all 1,840,000 outstanding shares of its Series F Preferred Stock at $25.00 per share on July 1, 2025. This action means that after the redemption date, the Series F Preferred Stock will no longer be outstanding, and dividends on these shares will cease to accrue, impacting stakeholders holding these shares.

The most recent analyst rating on (MFIN) stock is a Hold with a $11.00 price target. To see the full list of analyst forecasts on Medallion Financial stock, see the MFIN Stock Forecast page.

Medallion Financial Announces Series G Preferred Stock Offering

On May 16, 2025, Medallion Bank announced the pricing of a public offering of 3,000,000 shares of its Series G Preferred Stock, with a liquidation amount of $75 million. The offering is expected to close on May 22, 2025, and the proceeds will be used for general corporate purposes, potentially increasing capital levels, growing consumer loan portfolios, or redeeming Series F Preferred Stock, pending regulatory approval. The stock will trade on the Nasdaq under the symbol ‘MBNKO’, and the underwriters have a 30-day option to purchase additional shares to cover over-allotments.

The most recent analyst rating on (MFIN) stock is a Hold with a $11.00 price target. To see the full list of analyst forecasts on Medallion Financial stock, see the MFIN Stock Forecast page.

Medallion Financial Launches Series G Preferred Stock Offering

On May 14, 2025, Medallion Bank announced the launch of a public offering of its Series G Preferred Stock, which will trade on the Nasdaq Capital Market under the symbol ‘MBNKO’. The bank plans to use the proceeds for general corporate purposes, including potentially increasing capital levels, expanding consumer loan portfolios, or redeeming its Series F Preferred Stock, pending regulatory approval. The offering, managed by Piper Sandler & Co. and Lucid Capital Markets, LLC, is exempt from registration under the Securities Act of 1933.

The most recent analyst rating on (MFIN) stock is a Hold with a $11.00 price target. To see the full list of analyst forecasts on Medallion Financial stock, see the MFIN Stock Forecast page.