MD5 Stock Chart & Stats
€8.30
€0.05(0.61%)
At close: 4:00 PM EDT
€8.30
€0.05(0.61%)
Day’s Range― - ―
52-Week Range€6.75 - €9.25
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€202.34M
Enterprise Value€484.54
Total Cash (Recent Filing)€96.30M
Total Debt (Recent Filing)€265.35M
Price to Earnings (P/E)7.1
Beta0.45
Next Earnings
Nov 02, 2026EPS Estimate
0.27Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.57
Shares Outstanding23,112,663
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)0.57
Price to Sales (P/S)0.66
P/FCF Ratio1.86
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€9.77Price Target Upside17.75% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.99
Revenue Forecast (FY)€209.46M
Bulls Say, Bears Say
Bulls Say
Strong Operating Cash GenerationReliable, above‑net‑income operating cash flow (~$131M, ~2.7x coverage) indicates durable earnings quality and internal funding capacity. This reduces reliance on wholesale funding, supports dividends, buybacks, and growth investments, and provides resilience through credit cycles over the medium term.
Improving Leverage And Balance Sheet ResilienceA materially lower debt-to-equity (~0.64 TTM) and rising equity provide more capacity to absorb losses and fund portfolio growth. Improved leverage increases financial flexibility for capital allocation (buybacks, dividends, loan sales) and reduces refinancing risk, strengthening medium-term solvency.
Scalable Origination Via Partnerships And Record NIIGrowing partner-sourced originations ($247.1M) and fee income diversify acquisition channels and lower direct origination cost. Coupled with record quarterly net interest income, this supports sustainable loan growth, fee diversification, and repeatable earnings as the company scales its specialty finance niches.
Bears Say
Elevated Credit Provisioning And Day‑1 ReservesSignificant provisions, including sizable Day‑1 reserves tied to new originations, depress near‑term reported earnings and signal higher upfront credit costs for rapid growth. If persistent, elevated provisioning can erode return on assets and raise the effective cost of originations over multiple quarters.
Top-line Weakness (TTM Revenue Decline)A ~35% TTM revenue drop indicates structural top-line pressure that reduces operating leverage and constrains margin expansion. Even with pockets of origination strength, sustained revenue contraction limits reinvestment capacity and makes earnings more sensitive to credit volatility and expense increases.
Net Interest Margin Compression And Rising Funding CostsSequential NIM compression and rising deposit/borrowings costs indicate pressure on the core spread that drives profitability. If funding costs stay elevated or competition for deposits intensifies, sustained margin compression could limit net interest income growth despite loan volume expansion.
Medallion Financial News
MD5 FAQ
What was Medallion Financial’s price range in the past 12 months?
Medallion Financial lowest stock price was €6.75 and its highest was €9.25 in the past 12 months.
What is Medallion Financial’s market cap?
Medallion Financial’s market cap is €202.34M.
When is Medallion Financial’s upcoming earnings report date?
Medallion Financial’s upcoming earnings report date is Nov 02, 2026 which is in 92 days.
How were Medallion Financial’s earnings last quarter?
Medallion Financial released its earnings results on Jul 29, 2026. The company reported €0.269 earnings per share for the quarter, beating the consensus estimate of €0.248 by €0.021.
Is Medallion Financial overvalued?
According to Wall Street analysts Medallion Financial’s price is currently Undervalued.
Does Medallion Financial pay dividends?
Medallion Financial does not currently pay dividends.
What is Medallion Financial’s EPS estimate?
Medallion Financial’s EPS estimate is 0.27.
How many shares outstanding does Medallion Financial have?
Medallion Financial has 23,112,663 shares outstanding.
What happened to Medallion Financial’s price movement after its last earnings report?
Medallion Financial reported an EPS of €0.269 in its last earnings report, beating expectations of €0.248. Following the earnings report the stock price went up 0.606%.
Which hedge fund is a major shareholder of Medallion Financial?
Currently, no hedge funds are holding shares in DE:MD5
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Medallion Financial Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
€9.77 (17.75% Upside)
€9.77 (17.75% Upside)
Blogger Sentiment
Bullish
DE:MD5 Sentiment 100%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.09%
12-Months-Change
Fundamentals
Return on Equity
5.01%
Trailing 12-Months
Asset Growth
4.35%
Trailing 12-Months
Company Description
Medallion Financial
Medallion Financial Corp. (MFIN), encompassing its various subsidiaries, functions as a diversified financial services provider throughout the United States. The company's operations are distinctly segmented into Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. MFIN specializes in extending credit for consumer acquisitions of recreational vehicles, boats, and trailers, as well as for residential improvement projects. Furthermore, it offers commercial financing for business purposes, including the procurement of equipment, the establishment of new ventures, or the acquisition and enhancement of existing businesses. A notable segment involves providing loans for taxi medallions to individual operators and small to medium-sized enterprises. Beyond direct lending, Medallion Financial also allocates debt, mezzanine, and equity investment capital to companies across various industries, while additionally engaging in deposit-taking and other banking services. Established in 1995, Medallion Financial Corp. maintains its primary office in New York City, New York.
MD5 Company Deck
MD5 Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong origination momentum and record net interest income, material loan and asset growth, successful partnership expansion, and continued shareholder-friendly capital deployment (dividend increase and buybacks). Key near-term negatives included elevated Day 1 provisions tied to rapid portfolio growth, higher operating expenses as the company invests in talent and technology, some NIM compression sequentially, and a decline in GAAP net income/EPS versus the prior year. Management presented the provision and temporary earnings impacts as expected and acceptable trade-offs for scalable growth and long-term shareholder value.View all DE:MD5 earnings summariesMD5 Stock 12 Month Forecast
Average Price Target
€9.77
▲(17.75% Upside)
Technical Analysis
PROG Holdings
―
Consumer Portfolio Services
―
Regional Management
―
Enova International
―
Oportun Financial
―