MEDALLION FINANCIAL CORP (MFIN) Stock Fundamental Analysis
USA - NASDAQ:MFIN - US5839281061 - Common Stock
10.02 USD
+0.06 (+0.6%)
Overall MFIN gets a fundamental rating of 4 out of 10. We evaluated MFIN against 55 industry peers in the Consumer Finance industry. MFIN may be in some trouble as it scores bad on both profitability and health. MFIN has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
MFIN had positive earnings in the past year.
In the past year MFIN had a positive cash flow from operations.
MFIN had positive earnings in 4 of the past 5 years.
In the past 5 years MFIN always reported a positive cash flow from operatings.
1.2 Ratios
MFIN has a Return On Assets of 1.45%. This is comparable to the rest of the industry: MFIN outperforms 47.27% of its industry peers.
Looking at the Return On Equity, with a value of 10.73%, MFIN is in line with its industry, outperforming 54.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 10.73% | ||
| ROIC | N/A |
ROA(3y)1.77%
ROA(5y)1.22%
ROE(3y)13.42%
ROE(5y)8.82%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 17.79%, MFIN is doing good in the industry, outperforming 76.36% of the companies in the same industry.
In the last couple of years the Profit Margin of MFIN has declined.
MFIN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.79% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.93%
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.
The number of shares outstanding for MFIN has been reduced compared to 1 year ago.
MFIN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MFIN has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of MFIN is 3.53, which is a good value as it means it would take MFIN, 3.53 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of MFIN (3.53) is better than 78.18% of its industry peers.
MFIN has a Debt/Equity ratio of 0.74. This is a neutral value indicating MFIN is somewhat dependend on debt financing.
MFIN has a better Debt to Equity ratio (0.74) than 69.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 3.53 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MFIN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.67%.
Measured over the past years, MFIN shows a very strong growth in Earnings Per Share. The EPS has been growing by 100.99% on average per year.
MFIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.31%.
Measured over the past years, MFIN shows a quite strong growth in Revenue. The Revenue has been growing by 12.65% on average per year.
EPS 1Y (TTM)1.67%
EPS 3Y-7.91%
EPS 5Y100.99%
EPS Q2Q%36.67%
Revenue 1Y (TTM)12.31%
Revenue growth 3Y10.29%
Revenue growth 5Y12.65%
Sales Q2Q%7.02%
3.2 Future
Based on estimates for the next years, MFIN will show a decrease in Earnings Per Share. The EPS will decrease by -7.86% on average per year.
The Revenue is expected to grow by 2.66% on average over the next years.
EPS Next Y-4.84%
EPS Next 2Y-7.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.8%
Revenue Next 2Y2.66%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
MFIN is valuated cheaply with a Price/Earnings ratio of 5.48.
Compared to the rest of the industry, the Price/Earnings ratio of MFIN indicates a somewhat cheap valuation: MFIN is cheaper than 80.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of MFIN to the average of the S&P500 Index (26.89), we can say MFIN is valued rather cheaply.
The Price/Forward Earnings ratio is 7.20, which indicates a rather cheap valuation of MFIN.
MFIN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MFIN is cheaper than 74.55% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.99. MFIN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.48 | ||
| Fwd PE | 7.2 |
4.2 Price Multiples
MFIN's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MFIN is cheaper than 72.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as MFIN's earnings are expected to decrease with -7.86% in the coming years.
PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2Y-7.86%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.82%, MFIN is a good candidate for dividend investing.
MFIN's Dividend Yield is a higher than the industry average which is at 4.70.
MFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
5.2 History
The dividend of MFIN decreases each year by -7.78%.
MFIN has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of MFIN decreased in the last 3 years.
Dividend Growth(5Y)-7.78%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
MFIN pays out 24.44% of its income as dividend. This is a sustainable payout ratio.
The Dividend Rate of MFIN has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP24.44%
EPS Next 2Y-7.86%
EPS Next 3YN/A
NASDAQ:MFIN (10/24/2025, 8:00:01 PM)
10.02
+0.06 (+0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners38.53%
Inst Owner Change0.01%
Ins Owners28.99%
Ins Owner Change1.42%
Market Cap232.97M
Revenue(TTM)235.17M
Net Income(TTM)41.84M
Analysts82.5
Price Target12.24 (22.16%)
Short Float %5.56%
Short Ratio21.85
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
Yearly Dividend0.4
Dividend Growth(5Y)-7.78%
DP24.44%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)30.95%
Min EPS beat(2)27.61%
Max EPS beat(2)34.3%
EPS beat(4)3
Avg EPS beat(4)26.2%
Min EPS beat(4)-2.84%
Max EPS beat(4)45.73%
EPS beat(8)5
Avg EPS beat(8)11.81%
EPS beat(12)9
Avg EPS beat(12)32.19%
EPS beat(16)13
Avg EPS beat(16)46.78%
Revenue beat(2)0
Avg Revenue beat(2)-2.1%
Min Revenue beat(2)-2.57%
Max Revenue beat(2)-1.62%
Revenue beat(4)0
Avg Revenue beat(4)-2.58%
Min Revenue beat(4)-4.97%
Max Revenue beat(4)-1.15%
Revenue beat(8)0
Avg Revenue beat(8)-2.77%
Revenue beat(12)4
Avg Revenue beat(12)-0.22%
Revenue beat(16)8
Avg Revenue beat(16)5.21%
PT rev (1m)0%
PT rev (3m)9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.76%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.48 | ||
| Fwd PE | 7.2 | ||
| P/S | 0.99 | ||
| P/FCF | 2.87 | ||
| P/OCF | 2.87 | ||
| P/B | 0.6 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.83
EY18.26%
EPS(NY)1.39
Fwd EY13.9%
FCF(TTM)3.49
FCFY34.83%
OCF(TTM)3.49
OCFY34.83%
SpS10.11
BVpS16.77
TBVpS9.49
PEG (NY)N/A
PEG (5Y)0.05
Graham Number26.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 10.73% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.79% | ||
| GM | N/A | ||
| FCFM | 34.51% |
ROA(3y)1.77%
ROA(5y)1.22%
ROE(3y)13.42%
ROE(5y)8.82%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.93%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 3.53 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 193.97% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC18.8%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)258.89%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.67%
EPS 3Y-7.91%
EPS 5Y100.99%
EPS Q2Q%36.67%
EPS Next Y-4.84%
EPS Next 2Y-7.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.31%
Revenue growth 3Y10.29%
Revenue growth 5Y12.65%
Sales Q2Q%7.02%
Revenue Next Year3.8%
Revenue Next 2Y2.66%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-29.8%
FCF growth 3Y13.65%
FCF growth 5Y12.22%
OCF growth 1Y-29.8%
OCF growth 3Y13.65%
OCF growth 5Y12.22%
MEDALLION FINANCIAL CORP / MFIN FAQ
What is the fundamental rating for MFIN stock?
ChartMill assigns a fundamental rating of 4 / 10 to MFIN.
What is the valuation status of MEDALLION FINANCIAL CORP (MFIN) stock?
ChartMill assigns a valuation rating of 5 / 10 to MEDALLION FINANCIAL CORP (MFIN). This can be considered as Fairly Valued.
Can you provide the profitability details for MEDALLION FINANCIAL CORP?
MEDALLION FINANCIAL CORP (MFIN) has a profitability rating of 3 / 10.
What is the financial health of MEDALLION FINANCIAL CORP (MFIN) stock?
The financial health rating of MEDALLION FINANCIAL CORP (MFIN) is 3 / 10.
Is the dividend of MEDALLION FINANCIAL CORP sustainable?
The dividend rating of MEDALLION FINANCIAL CORP (MFIN) is 6 / 10 and the dividend payout ratio is 24.44%.