MEDALLION FINANCIAL CORP(NASDAQ:MFIN) stock Fundamental Analysis

Fundamental Rating

MFIN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 51 industry peers in the Consumer Finance industry. MFIN has a bad profitability rating. Also its financial health evaluation is rather negative. MFIN has a decent growth rate and is not valued too expensively.

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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.

Of the past 5 years MFIN 4 years were profitable.

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

1.2 Ratios

MFIN's Return On Assets of 1.33% is in line compared to the rest of the industry. MFIN outperforms 45.10% of its industry peers.

The Return On Equity of MFIN (9.96%) is comparable to the rest of the 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

With an excellent Profit Margin value of 16.94%, MFIN belongs to the best of the industry, outperforming 80.39% of the companies in the same industry.

In the last couple of years the Profit Margin of MFIN has declined.

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)	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.

MFIN has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, MFIN has less shares outstanding

Compared to 1 year ago, MFIN has a worse debt to assets ratio.

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 76.47% of the companies in the same industry.

MFIN has a Debt/Equity ratio of 0.82. This is a neutral value indicating MFIN is somewhat dependend on debt financing.

MFIN's Debt to Equity ratio of 0.82 is fine compared to the rest of the industry. MFIN outperforms 66.67% of its industry peers.

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

ROIC/WACCN/A

WACC17.16%

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

The earnings per share for MFIN have decreased strongly by -18.87% in the last year.

The Earnings Per Share has been growing by 100.99% on average over the past years. This is a very strong growth

The Revenue has been growing slightly by 7.97% in the past year.

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)-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

Based on estimates for the next years, MFIN will show a small growth in Earnings Per Share. The EPS will grow by 0.69% on average per year.

MFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.72% yearly.

EPS Next Y0.13%

EPS Next 2Y0.69%

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

A Price/Earnings ratio of 5.44 indicates a rather cheap valuation of MFIN.

88.24% of the companies in the same industry are more expensive than MFIN, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 26.17. MFIN is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 5.62, which indicates a rather cheap valuation of MFIN.

80.39% of the companies in the same industry are more expensive than MFIN, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 22.10. MFIN is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	5.44
Fwd PE	5.62

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MFIN is valued cheaply inside the industry as 82.35% of the companies are valued more expensively.

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

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates MFIN does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)40.52

PEG (5Y)0.05

EPS Next 2Y0.69%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

MFIN has a Yearly Dividend Yield of 5.12%, which is a nice return.

Compared to an average industry Dividend Yield of 4.38, MFIN pays a better dividend. On top of this MFIN pays more dividend than 84.31% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.40, MFIN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.12%

5.2 History

The dividend of MFIN decreases each year by -7.78%.

MFIN has paid a dividend for at least 10 years, which is 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.

DP25.8%

EPS Next 2Y0.69%

EPS Next 3YN/A

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MEDALLION FINANCIAL CORP

NASDAQ:MFIN (5/28/2025, 8:00:00 PM)

After market: 9.35 0 (0%)

9.35

-0.12 (-1.27%)

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 Owners38.05%

Inst Owner Change-1.15%

Ins Owners28.37%

Ins Owner Change4.81%

Market Cap217.29M

Analysts45.71

Price Target11.22 (20%)

Short Float %5.53%

Short Ratio20.15

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.12%

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)-8.86%

EPS NQ rev (3m)-6.49%

EPS NY rev (1m)-0.31%

EPS NY rev (3m)0%

Revenue NQ rev (1m)-1.49%

Revenue NQ rev (3m)-4.64%

Revenue NY rev (1m)-1.21%

Revenue NY rev (3m)-4.91%

Valuation

		Industry Rank	Sector Rank
PE	5.44
Fwd PE	5.62
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)1.66

Fwd EY17.78%

FCF(TTM)5.14

FCFY55%

OCF(TTM)5.14

OCFY55%

SpS9.62

BVpS16.36

TBVpS9.06

PEG (NY)40.52

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

WACC17.16%

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 Y0.13%

EPS Next 2Y0.69%

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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