MEDALLION FINANCIAL CORP (MFIN) Fundamental Analysis & Valuation

NASDAQ:MFIN • US5839281061

9.96 USD
-0.15 (-1.48%)
At close: Mar 5, 2026
10 USD
+0.04 (+0.4%)
After Hours: 3/5/2026, 8:06:31 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

Taking everything into account, MFIN scores 4 out of 10 in our fundamental rating. MFIN was compared to 54 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.


Dividend Valuation Growth Profitability Health

2

1. MFIN Profitability Analysis

1.1 Basic Checks

  • In the past year MFIN was profitable.
  • MFIN had a positive operating cash flow in the past year.
  • In the past 5 years MFIN has always been profitable.
  • MFIN had a positive operating cash flow in 4 of the past 5 years.
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

  • With a Return On Assets value of 1.41%, MFIN is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
  • With a Return On Equity value of 10.31%, MFIN is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 1.41%
ROE 10.31%
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

  • Looking at the Profit Margin, with a value of 17.04%, MFIN is in the better half of the industry, outperforming 68.52% 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 RankSector Rank
OM N/A
PM (TTM) 17.04%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • Compared to 5 years ago, MFIN has less shares outstanding
  • MFIN has a worse debt/assets ratio than last year.
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

  • MFIN has a debt to FCF ratio of 2.45. This is a good value and a sign of high solvency as MFIN would need 2.45 years to pay back of all of its debts.
  • MFIN's Debt to FCF ratio of 2.45 is fine compared to the rest of the industry. MFIN outperforms 79.63% 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 70.37% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 2.45
Altman-Z N/A
ROIC/WACCN/A
WACC16.16%
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

  • The Earnings Per Share has been growing slightly by 5.49% over the past year.
  • The Earnings Per Share has been decreasing by -1.68% on average over the past years.
  • 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 small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.58% yearly.
  • MFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.31% yearly.
EPS Next Y-6.25%
EPS Next 2Y1.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.83%
Revenue Next 2Y5.31%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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.
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

  • With a Price/Earnings ratio of 5.76, the valuation of MFIN can be described as very cheap.
  • Based on the Price/Earnings ratio, MFIN is valued a bit cheaper than 72.22% of the companies in the same industry.
  • MFIN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.74.
  • A Price/Forward Earnings ratio of 6.14 indicates a rather cheap valuation of MFIN.
  • MFIN's Price/Forward Earnings ratio is rather cheap when compared to the industry. MFIN is cheaper than 81.48% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.82. MFIN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.76
Fwd PE 6.14
MFIN Price Earnings VS Forward Price EarningsMFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 1.92
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 2Y1.58%
EPS Next 3YN/A

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

6

5. MFIN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.72%, MFIN is a good candidate for dividend investing.
  • MFIN's Dividend Yield is a higher than the industry average which is at 2.83.
  • Compared to an average S&P500 Dividend Yield of 1.82, MFIN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.72%

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
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

  • 26.12% of the earnings are spent on dividend by MFIN. This is a low number and sustainable payout ratio.
DP26.12%
EPS Next 2Y1.58%
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 (3/5/2026, 8:06:31 PM)

After market: 10 +0.04 (+0.4%)

9.96

-0.15 (-1.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners38.77%
Inst Owner Change5.53%
Ins Owners28.95%
Ins Owner Change11.33%
Market Cap231.87M
Revenue(TTM)254.89M
Net Income(TTM)40.99M
Analysts82.5
Price Target11.99 (20.38%)
Short Float %5.08%
Short Ratio17.12
Dividend
Industry RankSector Rank
Dividend Yield 4.72%
Yearly Dividend0.4
Dividend Growth(5Y)-7.78%
DP26.12%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-19
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.27%
Min EPS beat(2)-9.07%
Max EPS beat(2)27.61%
EPS beat(4)3
Avg EPS beat(4)24.64%
Min EPS beat(4)-9.07%
Max EPS beat(4)45.73%
EPS beat(8)4
Avg EPS beat(8)10.2%
EPS beat(12)8
Avg EPS beat(12)30.09%
EPS beat(16)12
Avg EPS beat(16)38.63%
Revenue beat(2)1
Avg Revenue beat(2)-0.03%
Min Revenue beat(2)-1.62%
Max Revenue beat(2)1.56%
Revenue beat(4)1
Avg Revenue beat(4)-1.9%
Min Revenue beat(4)-4.97%
Max Revenue beat(4)1.56%
Revenue beat(8)1
Avg Revenue beat(8)-2.4%
Revenue beat(12)4
Avg Revenue beat(12)-0.57%
Revenue beat(16)8
Avg Revenue beat(16)3.75%
PT rev (1m)-2.08%
PT rev (3m)-2.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.57%
Valuation
Industry RankSector Rank
PE 5.76
Fwd PE 6.14
P/S 0.96
P/FCF 1.92
P/OCF 1.92
P/B 0.58
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)1.73
EY17.37%
EPS(NY)1.62
Fwd EY16.28%
FCF(TTM)5.19
FCFY52.13%
OCF(TTM)5.19
OCFY52.13%
SpS10.33
BVpS17.07
TBVpS9.82
PEG (NY)N/A
PEG (5Y)N/A
Graham Number25.78
Profitability
Industry RankSector Rank
ROA 1.41%
ROE 10.31%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.04%
GM N/A
FCFM 50.25%
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-Score8
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 2.45
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 294.92%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.16%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.49%
EPS 3Y-1.68%
EPS 5YN/A
EPS Q2Q%-9.09%
EPS Next Y-6.25%
EPS Next 2Y1.58%
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 Year5.83%
Revenue Next 2Y5.31%
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 1Y13.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y13.17%
OCF growth 3YN/A
OCF growth 5YN/A

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 for MFIN stock?

ChartMill assigns a valuation rating of 6 / 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 2 / 10.


Can you provide the financial health for MFIN stock?

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


Can you provide the dividend sustainability for MFIN stock?

The dividend rating of MEDALLION FINANCIAL CORP (MFIN) is 6 / 10 and the dividend payout ratio is 26.12%.