MFIN Fundamental Analysis - MEDALLION FINANCIAL CORP

Fundamental Rating

Overall MFIN gets a fundamental rating of 4 out of 10. We evaluated MFIN against 52 industry peers in the Consumer Finance industry. MFIN has a bad profitability rating. Also its financial health evaluation is rather negative. MFIN is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year MFIN was profitable.

MFIN had a positive operating cash flow in the past year.

MFIN had positive earnings in 4 of the past 5 years.

MFIN had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of MFIN (1.33%) is comparable to the rest of the industry.

Looking at the Return On Equity, with a value of 9.96%, MFIN is in line with its industry, outperforming 53.85% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.33%
ROE	9.96%
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

MFIN's Profit Margin of 16.94% is amongst the best of the industry. MFIN outperforms 80.77% of its industry peers.

MFIN's Profit Margin has declined in the last couple of years.

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)	16.94%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

MFIN has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of MFIN is 2.61, which is a good value as it means it would take MFIN, 2.61 years of fcf income to pay off all of its debts.

With a decent Debt to FCF ratio value of 2.61, MFIN is doing good in the industry, outperforming 76.92% of the companies in the same industry.

A Debt/Equity ratio of 0.82 indicates that MFIN is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.82, MFIN is in the better half of the industry, outperforming 67.31% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.82
Debt/FCF	2.61
Altman-Z	N/A

ROIC/WACCN/A

WACC17.2%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

MFIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.87%.

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 a small growth in Revenue. In the last year, the Revenue has grown by 7.97%.

The Revenue has been growing by 12.65% on average over the past years. This is quite good.

EPS 1Y (TTM)-18.87%

EPS 3Y-7.91%

EPS 5Y100.99%

EPS Q2Q%19.05%

Revenue 1Y (TTM)7.97%

Revenue growth 3Y10.29%

Revenue growth 5Y12.65%

Sales Q2Q%7.29%

3.2 Future

MFIN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.09% yearly.

Based on estimates for the next years, MFIN will show a small growth in Revenue. The Revenue will grow by 5.72% on average per year.

EPS Next Y-1.42%

EPS Next 2Y-0.09%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year6.2%

Revenue Next 2Y5.72%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 5.44, the valuation of MFIN can be described as very cheap.

MFIN's Price/Earnings ratio is rather cheap when compared to the industry. MFIN is cheaper than 88.46% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.86. MFIN is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 5.71, the valuation of MFIN can be described as very cheap.

80.77% of the companies in the same industry are more expensive than MFIN, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of MFIN to the average of the S&P500 Index (21.43), we can say MFIN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	5.44
Fwd PE	5.71

4.2 Price Multiples

MFIN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MFIN is cheaper than 82.69% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.82
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.05

EPS Next 2Y-0.09%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

MFIN has a Yearly Dividend Yield of 5.27%, which is a nice return.

Compared to an average industry Dividend Yield of 3.75, MFIN pays a better dividend. On top of this MFIN pays more dividend than 86.54% of the companies listed in the same industry.

MFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.

		Industry Rank	Sector Rank
Dividend Yield	5.27%

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 25.80% 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.

DP25.8%

EPS Next 2Y-0.09%

EPS Next 3YN/A

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MEDALLION FINANCIAL CORP

NASDAQ:MFIN (6/26/2025, 8:07:41 PM)

After market: 9.35 0 (0%)

9.35

+0.08 (+0.86%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)04-30 2025-04-30/amc

Earnings (Next)07-28 2025-07-28/amc

Inst Owners36.87%

Inst Owner Change-1.15%

Ins Owners28.76%

Ins Owner Change4.85%

Market Cap217.29M

Analysts45.71

Price Target11.22 (20%)

Short Float %5.72%

Short Ratio21.61

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.27%

Yearly Dividend0.4

Dividend Growth(5Y)-7.78%

DP25.8%

Div Incr Years2

Div Non Decr Years2

Ex-Date05-15 2025-05-15 (0.12)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)40.02%

Min EPS beat(2)34.3%

Max EPS beat(2)45.73%

EPS beat(4)2

Avg EPS beat(4)13.82%

Min EPS beat(4)-21.92%

Max EPS beat(4)45.73%

EPS beat(8)5

Avg EPS beat(8)17.16%

EPS beat(12)9

Avg EPS beat(12)36.07%

EPS beat(16)13

Avg EPS beat(16)47.37%

Revenue beat(2)0

Avg Revenue beat(2)-3.77%

Min Revenue beat(2)-4.97%

Max Revenue beat(2)-2.57%

Revenue beat(4)0

Avg Revenue beat(4)-2.5%

Min Revenue beat(4)-4.97%

Max Revenue beat(4)-1.15%

Revenue beat(8)1

Avg Revenue beat(8)-2.26%

Revenue beat(12)5

Avg Revenue beat(12)1.68%

Revenue beat(16)9

Avg Revenue beat(16)6.45%

PT rev (1m)0%

PT rev (3m)-8.33%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-8.86%

EPS NY rev (1m)-1.55%

EPS NY rev (3m)-1.55%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.49%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-4.91%

Valuation

		Industry Rank	Sector Rank
PE	5.44
Fwd PE	5.71
P/S	0.97
P/FCF	1.82
P/OCF	1.82
P/B	0.57
P/tB	1.03
EV/EBITDA	N/A

EPS(TTM)1.72

EY18.4%

EPS(NY)1.64

Fwd EY17.51%

FCF(TTM)5.14

FCFY55%

OCF(TTM)5.14

OCFY55%

SpS9.62

BVpS16.36

TBVpS9.06

PEG (NY)N/A

PEG (5Y)0.05

Profitability

		Industry Rank	Sector Rank
ROA	1.33%
ROE	9.96%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	16.94%
GM	N/A
FCFM	53.46%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score6

Asset Turnover0.08

Health

		Industry Rank	Sector Rank
Debt/Equity	0.82
Debt/FCF	2.61
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	315.62%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC17.2%

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)-18.87%

EPS 3Y-7.91%

EPS 5Y100.99%

EPS Q2Q%19.05%

EPS Next Y-1.42%

EPS Next 2Y-0.09%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)7.97%

Revenue growth 3Y10.29%

Revenue growth 5Y12.65%

Sales Q2Q%7.29%

Revenue Next Year6.2%

Revenue Next 2Y5.72%

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 1Y5.67%

FCF growth 3Y13.65%

FCF growth 5Y12.22%

OCF growth 1Y5.67%

OCF growth 3Y13.65%

OCF growth 5Y12.22%

MEDALLION FINANCIAL CORP (MFIN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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