MEDALLION FINANCIAL CORP (MFIN)
US5839281061 - Common Stock
MFIN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 51 industry peers in the Consumer Finance industry. Both the profitability and financial health of MFIN have multiple concerns. MFIN has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year MFIN was profitable.
In the past year MFIN had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: MFIN reported negative net income in multiple years.
Each year in the past 5 years MFIN had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.13%, MFIN is in the better half of the industry, outperforming 62.75% of the companies in the same industry.
With a decent Return On Equity value of 16.06%, MFIN is doing good in the industry, outperforming 72.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.13% | ||
| ROE | 16.06% | ||
| ROIC | N/A |
ROA(3y)2.32%
ROA(5y)0.94%
ROE(3y)16.48%
ROE(5y)6.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MFIN has a Profit Margin of 27.62%. This is amongst the best in the industry. MFIN outperforms 92.16% of its industry peers.
The Operating Margin and Gross Margin are not available for MFIN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.62% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
MFIN has more shares outstanding than it did 1 year ago.
The number of shares outstanding for MFIN has been reduced compared to 5 years ago.
MFIN has a better debt/assets ratio than last year.
2.2 Solvency
MFIN has a debt to FCF ratio of 2.14. This is a good value and a sign of high solvency as MFIN would need 2.14 years to pay back of all of its debts.
MFIN's Debt to FCF ratio of 2.14 is amongst the best of the industry. MFIN outperforms 86.27% of its industry peers.
MFIN has a Debt/Equity ratio of 0.71. This is a neutral value indicating MFIN is somewhat dependend on debt financing.
The Debt to Equity ratio of MFIN (0.71) is better than 76.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 2.14 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 30.22% over the past year.
The Revenue has grown by 17.32% in the past year. This is quite good.
Measured over the past years, MFIN shows a small growth in Revenue. The Revenue has been growing by 6.79% on average per year.
EPS 1Y (TTM)30.22%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q5.26%
Revenue 1Y (TTM)17.32%
Revenue growth 3Y23.88%
Revenue growth 5Y6.79%
Revenue growth Q2Q16.97%
3.2 Future
Based on estimates for the next years, MFIN will show a decrease in Earnings Per Share. The EPS will decrease by -7.46% on average per year.
MFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.07% yearly.
EPS Next Y-34.44%
EPS Next 2Y-7.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.39%
Revenue Next 2Y5.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 3.34, which indicates a rather cheap valuation of MFIN.
Based on the Price/Earnings ratio, MFIN is valued cheaply inside the industry as 90.20% of the companies are valued more expensively.
MFIN is valuated cheaply when we compare the Price/Earnings ratio to 25.20, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 5.10, the valuation of MFIN can be described as very cheap.
MFIN's Price/Forward Earnings ratio is rather cheap when compared to the industry. MFIN is cheaper than 84.31% of the companies in the same industry.
MFIN is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.63, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.34 | ||
| Fwd PE | 5.1 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MFIN is valued a bit cheaper than the industry average as 76.47% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.63 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as MFIN's earnings are expected to decrease with -7.46% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-7.46%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.08%, MFIN is a good candidate for dividend investing.
The stock price of MFIN dropped by -20.20% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 4.29, MFIN pays a better dividend. On top of this MFIN pays more dividend than 86.27% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, MFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.08% |
5.2 History
The dividend of MFIN decreases each year by -19.81%.
MFIN has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of MFIN decreased recently.
Dividend Growth(5Y)-19.81%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
MFIN pays out 13.99% of its income as dividend. This is a sustainable payout ratio.
MFIN's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP13.99%
EPS Next 2Y-7.46%
EPS Next 3YN/A
MEDALLION FINANCIAL CORP
NASDAQ:MFIN (4/26/2024, 1:18:53 PM)
7.92
-0.1 (-1.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap185.96M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.08% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.34 | ||
| Fwd PE | 5.1 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.13% | ||
| ROE | 16.06% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 27.62% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)30.22%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-34.44%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)17.32%
Revenue growth 3Y23.88%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y