Medallion Financial (MFIN) AI Stock Analysis

• Market Cap: $230.23M
• Dividend Yield: 4.56%
• Average Volume (3M): 37.76K
• Price to Earnings (P/E): 5.8
• Beta (1Y): 0.48
• Revenue Growth: 15.52%
• EPS Growth: 2.05%
• Country: US
• Employees: 174
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.32
• Shares Outstanding: 23,279,434
• 10 Day Avg. Volume: 45,000
• 30 Day Avg. Volume: 37,756
• PEG Ratio: -0.17
• Price to Book (P/B): 0.57
• Price to Sales (P/S): 0.73
• P/FCF Ratio: 1.83
• Enterprise Value/Market Cap: 11.08
• Enterprise Value/Revenue: 7.69
• Enterprise Value/Gross Profit: 13.27
• Enterprise Value/Ebitda: 23.44
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 1.64
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $11.50 ▲(16.99% Upside)

Medallion Financial's overall stock score of 76 reflects a strong valuation and positive earnings call sentiment, supported by robust financial performance. The company's stable financial position and attractive valuation metrics are key strengths. However, technical indicators suggest a neutral outlook, and challenges such as increased operating costs and rising delinquencies temper the score.

Medallion Financial Business Overview & Revenue Model

Company Description

Medallion Financial Corp. (MFIN) is a specialized finance company primarily engaged in providing loans to taxicab and other transportation industry operators. The company operates in the financial services sector, focusing on the transportation niche, and offers products that include vehicle financing, medallion loans, and other related financial services. Medallion Financial targets a unique market segment, catering to the needs of taxi medallion owners and operators as well as other businesses involved in the transportation sector.

How the Company Makes Money

Medallion Financial generates revenue primarily through interest income from its loan portfolio, which includes medallion loans for taxi operators and financing for other vehicles. The company earns interest on the loans it issues, which can vary based on the terms and risk profile of each loan. In addition to interest income, Medallion Financial may also collect fees associated with loan origination and servicing. The company's revenue model is further supported by its ability to leverage partnerships with taxi associations, transportation companies, and industry stakeholders that can provide access to potential borrowers. The overall earnings of Medallion Financial can be influenced by market conditions in the taxi industry, regulatory changes affecting medallion values, and economic factors impacting the transportation sector.

Medallion Financial Financial Statement Overview

Summary

Medallion Financial demonstrates solid revenue growth and profitability, with a strong gross profit margin. The balance sheet reflects a stable leverage position, though cash flow metrics indicate some challenges in cash generation. The company should focus on improving operational efficiency and cash flow management to enhance overall financial health.

Income Statement

Medallion Financial has shown consistent revenue growth, with a TTM revenue growth rate of 6.24%. The company maintains a healthy gross profit margin of 57.81% and a net profit margin of 12.81%. However, there has been a decline in both EBIT and EBITDA margins compared to previous years, indicating potential pressure on operational efficiency.

Balance Sheet

The company has a moderate debt-to-equity ratio of 0.75, indicating a balanced approach to leverage. Return on equity is at 11.14%, showing decent profitability. However, the equity ratio is not explicitly provided, which could provide further insights into financial stability.

Cash Flow

Free cash flow has decreased by 32.10% in the TTM period, which is a concern. The operating cash flow to net income ratio is 0.89, suggesting that cash generation is slightly below net income levels. The free cash flow to net income ratio remains strong at 1.0, indicating that the company is generating sufficient cash relative to its net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	331.74M	291.79M	254.51M	198.43M	179.21M	151.36M
Gross Profit	192.15M	127.12M	153.76M	132.19M	143.44M	47.39M
EBITDA	108.81M	69.15M	91.28M	73.08M	88.39M	-29.27M
Net Income	40.99M	35.88M	55.08M	43.84M	54.11M	-34.78M
Balance Sheet
Total Assets	2.90B	2.87B	2.59B	2.26B	1.87B	1.64B
Cash, Cash Equivalents and Short-Term Investments	212.06M	101.17M	106.87M	81.66M	106.25M	98.53M
Total Debt	299.41M	288.59M	253.06M	229.93M	231.23M	254.07M
Total Liabilities	2.40B	2.43B	2.18B	1.89B	1.52B	1.34B
Stockholders Equity	397.45M	370.17M	342.99M	301.74M	287.04M	231.41M
Cash Flow
Free Cash Flow	120.88M	115.51M	113.76M	108.74M	78.73M	78.71M
Operating Cash Flow	120.88M	115.51M	113.76M	108.74M	78.73M	78.71M
Investing Cash Flow	-127.84M	-335.78M	-340.70M	-449.00M	-238.32M	-170.96M
Financing Cash Flow	-29.99M	239.99M	271.18M	321.38M	172.04M	136.47M

Medallion Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 9.83
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MFIN, the sentiment is Negative. The current price of 9.83 is below the 20-day moving average (MA) of 9.89, below the 50-day MA of 10.16, and above the 200-day MA of 9.32, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 48.50 is Neutral, neither overbought nor oversold. The STOCH value of 72.16 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MFIN.

Medallion Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MFIN	76 Outperform	$230.23M	5.79	10.79%	4.56%	15.52%	2.05%
RM	74 Outperform	$400.49M	9.90	11.43%	3.04%	9.63%	77.14%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CPSS	63 Neutral	$188.46M	10.81	6.66%	―	16.13%	-28.76%
SUIG	62 Neutral	$207.84M	10.56	7.58%	―	-39.95%	440.27%
OPRT	51 Neutral	$206.97M	7.19	8.59%	―	-5.29%	―
LPRO	38 Underperform	$207.98M	―	-95.59%	―	-83.48%	-2400.00%

Medallion Financial Corporate Events

Medallion Financial’s Earnings Call Highlights Growth and Challenges

Medallion Financial’s recent earnings call conveyed a generally positive sentiment, buoyed by robust growth in net income and an expanding loan portfolio. The company also highlighted the success of its strategic partnership program and an improved net interest margin. However, the call did not shy away from addressing challenges such as stagnant recreation loan originations, a decline in the home improvement loan book, increased operating costs, and rising delinquencies.

Medallion Financial Reports Strong Q3 2025 Results

Medallion Financial Corp. is a specialty finance company that provides loan origination and servicing in consumer and commercial sectors, with a focus on fintech partnerships. Headquartered in New York City, the company operates primarily through its subsidiary, Medallion Bank, based in Salt Lake City, Utah.

Medallion Financial Announces Leadership Transition

On October 28, 2025, Medallion Financial Corp. announced a leadership transition effective January 31, 2026, with Andrew Murstein appointed as Chief Executive Officer while continuing his roles as President and Chief Operating Officer. Alvin Murstein will transition to Executive Chairman, a move designed to ensure continuity and strategic growth. This transition is expected to enhance shareholder value and leverage technology and data-driven insights to expand the company’s lending platform and market presence.

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