MFIN Fundamental Analysis - MEDALLION FINANCIAL CORP

Fundamental Rating

MFIN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 54 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 correct valuation and a medium growth rate.

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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 (1.45%) which is comparable to the rest of the industry.

MFIN has a Return On Equity (10.73%) which is in line with its industry peers.

		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

MFIN has a Profit Margin of 17.79%. This is in the better half of the industry: MFIN outperforms 75.93% 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 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

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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.

Compared to 1 year ago, MFIN has less shares outstanding

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

MFIN has a debt to FCF ratio of 3.53. This is a good value and a sign of high solvency as MFIN would need 3.53 years to pay back of all of its debts.

MFIN has a Debt to FCF ratio of 3.53. This is in the better half of the industry: MFIN outperforms 75.93% of its industry peers.

A Debt/Equity ratio of 0.74 indicates that MFIN is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.74, MFIN is in the better half of the industry, outperforming 68.52% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.74
Debt/FCF	3.53
Altman-Z	N/A

ROIC/WACCN/A

WACC18.75%

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 has been growing slightly by 1.67% over the past year.

MFIN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 100.99% yearly.

Looking at the last year, MFIN shows a quite strong growth in Revenue. The Revenue has grown by 12.31% in the last year.

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

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

The Earnings Per Share is expected to decrease by -7.86% on average over the next years.

MFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.66% yearly.

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

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

Based on the Price/Earnings ratio of 5.82, the valuation of MFIN can be described as very cheap.

81.48% of the companies in the same industry are more expensive than MFIN, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 27.02, MFIN is valued rather cheaply.

A Price/Forward Earnings ratio of 7.65 indicates a rather cheap valuation of MFIN.

Based on the Price/Forward Earnings ratio, MFIN is valued a bit cheaper than 70.37% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.66. MFIN is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	5.82
Fwd PE	7.65

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFIN indicates a somewhat cheap valuation: MFIN is cheaper than 72.22% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.05
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)0.06

EPS Next 2Y-7.86%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

MFIN has a Yearly Dividend Yield of 4.45%, which is a nice return.

MFIN's Dividend Yield is a higher than the industry average which is at 4.87.

Compared to an average S&P500 Dividend Yield of 2.45, MFIN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.45%

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.

MFIN has decreased its dividend 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

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MEDALLION FINANCIAL CORP

NASDAQ:MFIN (9/8/2025, 12:17:52 PM)

10.655

-0.06 (-0.51%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)07-30 2025-07-30/amc

Earnings (Next)10-27 2025-10-27/amc

Inst Owners37.35%

Inst Owner Change3.19%

Ins Owners28.75%

Ins Owner Change0.61%

Market Cap247.73M

Analysts82.5

Price Target12.24 (14.88%)

Short Float %5.93%

Short Ratio14.36

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.45%

Yearly Dividend0.4

Dividend Growth(5Y)-7.78%

DP24.44%

Div Incr Years2

Div Non Decr Years2

Ex-Date08-15 2025-08-15 (0.12)

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)-9.21%

EPS NQ rev (3m)-15.85%

EPS NY rev (1m)-3.47%

EPS NY rev (3m)-4.97%

Revenue NQ rev (1m)-0.83%

Revenue NQ rev (3m)-8.42%

Revenue NY rev (1m)-2.02%

Revenue NY rev (3m)-2.27%

Valuation

		Industry Rank	Sector Rank
PE	5.82
Fwd PE	7.65
P/S	1.05
P/FCF	3.05
P/OCF	3.05
P/B	0.64
P/tB	1.12
EV/EBITDA	N/A

EPS(TTM)1.83

EY17.18%

EPS(NY)1.39

Fwd EY13.07%

FCF(TTM)3.49

FCFY32.76%

OCF(TTM)3.49

OCFY32.76%

SpS10.11

BVpS16.77

TBVpS9.49

PEG (NY)N/A

PEG (5Y)0.06

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

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-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

WACC18.75%

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) 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

More info and screens