EarningsQ2 2026 Earnings Report
DE:MD5 Q2 2026 EPS Results
Actual EPS€0.28
Consensus EPS€0.26
Beat/MissBeat by +€0.02
One Year Ago EPS€0.41
DE:MD5 Q2 2026 Revenue Results
Actual Revenue€79.29M
Expected Revenue€52.64M
Beat/MissBeat by +€26.65M
YoY Revenue Growth+2.54%
Earnings Announcement Details
QuarterQ2 2026
Date07/29/2026
TimeAfter Close
Conference CallWednesday, July 29, 2026
DE:MD5 Upcoming Earnings
Medallion Financial's next earnings date is estimated for November 2, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
DE:MD5 Q2 2026 Earnings Call
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Q2 2026 Earnings Slide Deck
Q2 2026 Earnings Call Summary
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.Company Guidance
Record Home Improvement Originations
Home improvement originations reached $128.6 million in Q2 — the highest quarter in company history and more than double ("over twofold") the prior-year Q2 level; origination momentum continued into July with stable credit quality.
Strong Recreation Originations
Recreation originations were $228.5 million, up 60% year-over-year, contributing materially to total loan growth while management maintained pricing (~14.875% originations, weighted avg coupon ~15.06% at quarter end).
Total Loan and Asset Growth
Total loans grew to $2.79 billion, up 12% year-over-year and 7% sequentially; company surpassed $3.0 billion in total assets during the quarter (milestone).
Record Net Interest Income
Net interest income set a quarterly record at $57.2 million, up 7% versus prior-year quarter ($53.4 million), while loan yield remained strong (interest yield on loans 12.28%).
Partnership Program Traction
Added a fifth strategic partner; partners contributed $247.1 million of originated loans in the quarter and generated over $1.1 million in fee income, supporting scalable origination growth.
Shareholder Returns & Capital Deployment
Board approved Q2 dividend of $0.14/share (16.7% increase sequentially and 75% increase since reinstatement in Q2 2022); repurchased nearly 780,000 shares in the quarter (buybacks executed at discounts to book and tangible book).
Improving Tangible Book Value
Tangible book value per share rose to $12.17 from $11.32 a year ago (increase of ~7.5%), indicating tangible equity growth despite quarter-to-quarter earnings variability.
Commercial Lending and Portfolio Actions
Commercial lending portfolio grew 5% to $126 million with two new loans totaling $7.1 million (weighted average coupon 14.37%); management also executed a ~$50 million recreation loan sale with favorable economics to help manage capital.
Operating Cost Savings from HQ Move
Relocation to a smaller New York office expected to reduce annual occupancy costs (~$500k per year) and deliver approximately $5 million of savings over the deal term, improving long-term expense profile.
DE:MD5 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