MEDALLION FINANCIAL CORP (MFIN) Fundamental Analysis & Valuation

NASDAQ:MFIN • US5839281061

Current stock price

8.96 USD
-0.06 (-0.67%)
Last:

This MFIN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. MFIN Profitability Analysis

1.1 Basic Checks

  • In the past year MFIN was profitable.
  • In the past year MFIN had a positive cash flow from operations.
  • In the past 5 years MFIN has always been profitable.
  • Each year in the past 5 years MFIN had a positive operating cash flow.
MFIN Yearly Net Income VS EBIT VS OCF VS FCFMFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.46%, MFIN is doing worse than 66.67% of the companies in the same industry.
  • With a Return On Equity value of 10.53%, MFIN is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 1.46%
ROE 10.53%
ROIC N/A
ROA(3y)1.61%
ROA(5y)1.93%
ROE(3y)12.1%
ROE(5y)13.93%
ROIC(3y)N/A
ROIC(5y)N/A
MFIN Yearly ROA, ROE, ROICMFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10

1.3 Margins

  • MFIN's Profit Margin of 16.89% is fine compared to the rest of the industry. MFIN outperforms 66.67% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 16.89%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.15%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
MFIN Yearly Profit, Operating, Gross MarginsMFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

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3

2. MFIN Health Analysis

2.1 Basic Checks

  • MFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, MFIN has more shares outstanding
  • The number of shares outstanding for MFIN has been reduced compared to 5 years ago.
  • Compared to 1 year ago, MFIN has a worse debt to assets ratio.
MFIN Yearly Shares OutstandingMFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
MFIN Yearly Total Debt VS Total AssetsMFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • The Debt to FCF ratio of MFIN is 2.46, which is a good value as it means it would take MFIN, 2.46 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of MFIN (2.46) is better than 81.48% of its industry peers.
  • A Debt/Equity ratio of 0.76 indicates that MFIN is somewhat dependend on debt financing.
  • MFIN has a Debt to Equity ratio of 0.76. This is in the better half of the industry: MFIN outperforms 68.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 2.46
Altman-Z N/A
ROIC/WACCN/A
WACC17.39%
MFIN Yearly LT Debt VS Equity VS FCFMFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MFIN Yearly Current Assets VS Current LiabilitesMFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. MFIN Growth Analysis

3.1 Past

  • MFIN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.49%.
  • Measured over the past years, MFIN shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.68% on average per year.
  • MFIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.18%.
  • Measured over the past years, MFIN shows a quite strong growth in Revenue. The Revenue has been growing by 19.43% on average per year.
EPS 1Y (TTM)5.49%
EPS 3Y-1.68%
EPS 5YN/A
EPS Q2Q%-9.09%
Revenue 1Y (TTM)19.18%
Revenue growth 3Y14.48%
Revenue growth 5Y19.43%
Sales Q2Q%8.48%

3.2 Future

  • MFIN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.37% yearly.
  • MFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.74% yearly.
EPS Next Y-15.98%
EPS Next 2Y-1.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.6%
Revenue Next 2Y3.74%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • 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.
MFIN Yearly Revenue VS EstimatesMFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
MFIN Yearly EPS VS EstimatesMFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2

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6

4. MFIN Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.18, which indicates a rather cheap valuation of MFIN.
  • MFIN's Price/Earnings ratio is a bit cheaper when compared to the industry. MFIN is cheaper than 75.93% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.18. MFIN is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 6.16, the valuation of MFIN can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, MFIN is valued cheaper than 83.33% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 37.96, MFIN is valued rather cheaply.
Industry RankSector Rank
PE 5.18
Fwd PE 6.16
MFIN Price Earnings VS Forward Price EarningsMFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, MFIN is valued cheaper than 81.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.67
EV/EBITDA N/A
MFIN Per share dataMFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.37%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. MFIN Dividend Analysis

5.1 Amount

  • MFIN has a Yearly Dividend Yield of 5.35%, which is a nice return.
  • Compared to an average industry Dividend Yield of 3.23, MFIN pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, MFIN pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.35%

5.2 History

  • The dividend of MFIN is nicely growing with an annual growth rate of 158.41%!
  • MFIN has paid a dividend for at least 10 years, which is a reliable track record.
  • MFIN has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)158.41%
Div Incr Years3
Div Non Decr Years3
MFIN Yearly Dividends per shareMFIN Yearly Dividends per shareYearly Dividends per share 2016 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • MFIN pays out 25.49% of its income as dividend. This is a sustainable payout ratio.
DP25.49%
EPS Next 2Y-1.37%
EPS Next 3YN/A
MFIN Yearly Income VS Free CF VS DividendMFIN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M
MFIN Dividend Payout.MFIN Dividend Payout, showing the Payout Ratio.MFIN Dividend Payout.PayoutRetained Earnings

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MFIN Fundamentals: All Metrics, Ratios and Statistics

MEDALLION FINANCIAL CORP

NASDAQ:MFIN (4/14/2026, 10:01:03 AM)

8.96

-0.06 (-0.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-29
Earnings (Next)05-04
Inst Owners39.57%
Inst Owner Change0.84%
Ins Owners30.81%
Ins Owner Change16.85%
Market Cap210.83M
Revenue(TTM)254.88M
Net Income(TTM)43.04M
Analysts82.5
Price Target11.99 (33.82%)
Short Float %5.12%
Short Ratio13.35
Dividend
Industry RankSector Rank
Dividend Yield 5.35%
Yearly Dividend0.47
Dividend Growth(5Y)158.41%
DP25.49%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-19
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.53%
Min EPS beat(2)-9.07%
Max EPS beat(2)18.12%
EPS beat(4)3
Avg EPS beat(4)17.74%
Min EPS beat(4)-9.07%
Max EPS beat(4)34.3%
EPS beat(8)5
Avg EPS beat(8)13.29%
EPS beat(12)8
Avg EPS beat(12)24.41%
EPS beat(16)12
Avg EPS beat(16)30.92%
Revenue beat(2)1
Avg Revenue beat(2)-0.01%
Min Revenue beat(2)-1.58%
Max Revenue beat(2)1.56%
Revenue beat(4)1
Avg Revenue beat(4)-1.05%
Min Revenue beat(4)-2.57%
Max Revenue beat(4)1.56%
Revenue beat(8)1
Avg Revenue beat(8)-2.14%
Revenue beat(12)3
Avg Revenue beat(12)-0.91%
Revenue beat(16)7
Avg Revenue beat(16)1.22%
PT rev (1m)0%
PT rev (3m)-2.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.99%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.67%
Valuation
Industry RankSector Rank
PE 5.18
Fwd PE 6.16
P/S 0.83
P/FCF 1.67
P/OCF 1.67
P/B 0.52
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)1.73
EY19.31%
EPS(NY)1.45
Fwd EY16.22%
FCF(TTM)5.37
FCFY59.9%
OCF(TTM)5.37
OCFY59.9%
SpS10.83
BVpS17.37
TBVpS10.2
PEG (NY)N/A
PEG (5Y)N/A
Graham Number26
Profitability
Industry RankSector Rank
ROA 1.46%
ROE 10.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.89%
GM N/A
FCFM 49.55%
ROA(3y)1.61%
ROA(5y)1.93%
ROE(3y)12.1%
ROE(5y)13.93%
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-13.15%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 2.46
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 293.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC17.39%
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)273.96%
Profit Quality(5y)243.11%
High Growth Momentum
Growth
EPS 1Y (TTM)5.49%
EPS 3Y-1.68%
EPS 5YN/A
EPS Q2Q%-9.09%
EPS Next Y-15.98%
EPS Next 2Y-1.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.18%
Revenue growth 3Y14.48%
Revenue growth 5Y19.43%
Sales Q2Q%8.48%
Revenue Next Year7.6%
Revenue Next 2Y3.74%
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 1Y9.32%
FCF growth 3Y5.12%
FCF growth 5Y9.92%
OCF growth 1Y9.32%
OCF growth 3Y5.12%
OCF growth 5Y9.92%

MEDALLION FINANCIAL CORP / MFIN Fundamental Analysis FAQ

What is the fundamental rating for MFIN stock?

ChartMill assigns a fundamental rating of 4 / 10 to MFIN.


Can you provide the valuation status for MEDALLION FINANCIAL CORP?

ChartMill assigns a valuation rating of 6 / 10 to MEDALLION FINANCIAL CORP (MFIN). This can be considered as Fairly Valued.


What is the profitability of MFIN stock?

MEDALLION FINANCIAL CORP (MFIN) has a profitability rating of 3 / 10.


What are the PE and PB ratios of MEDALLION FINANCIAL CORP (MFIN) stock?

The Price/Earnings (PE) ratio for MEDALLION FINANCIAL CORP (MFIN) is 5.18 and the Price/Book (PB) ratio is 0.52.


How financially healthy is MEDALLION FINANCIAL CORP?

The financial health rating of MEDALLION FINANCIAL CORP (MFIN) is 3 / 10.