9.97 USD
+0.19 (+1.94%)
9.97 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to MFIN. MFIN was compared to 55 industry peers in the Consumer Finance industry. MFIN may be in some trouble as it scores bad on both profitability and health. MFIN is valued quite cheap, while showing a decent growth score. This is a good combination!
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
With a Return On Assets value of 1.41%, MFIN is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
With a Return On Equity value of 10.31%, MFIN perfoms like the industry average, outperforming 47.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 10.31% | ||
| 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 better Profit Margin (17.04%) than 70.91% 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) | 17.04% | ||
| 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
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.
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 2.45, which is a good value as it means it would take MFIN, 2.45 years of fcf income to pay off all of its debts.
MFIN has a better Debt to FCF ratio (2.45) than 78.18% of its industry peers.
MFIN has a Debt/Equity ratio of 0.74. This is a neutral value indicating MFIN is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.74, MFIN is doing good in the industry, outperforming 67.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 2.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 5.33% over the past year.
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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.77%.
The Revenue has been growing by 12.65% on average over the past years. This is quite good.
EPS 1Y (TTM)5.33%
EPS 3Y-7.91%
EPS 5Y100.99%
EPS Q2Q%-13.51%
Revenue 1Y (TTM)14.77%
Revenue growth 3Y10.29%
Revenue growth 5Y12.65%
Sales Q2Q%0.97%
3.2 Future
MFIN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.86% yearly.
The Revenue is expected to grow by 4.61% on average over the next years.
EPS Next Y5.11%
EPS Next 2Y-0.56%
EPS Next 3Y2.86%
EPS Next 5YN/A
Revenue Next Year5.4%
Revenue Next 2Y4.61%
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.
4. Valuation
4.1 Price/Earnings Ratio
MFIN is valuated cheaply with a Price/Earnings ratio of 5.60.
Based on the Price/Earnings ratio, MFIN is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of MFIN to the average of the S&P500 Index (26.15), we can say MFIN is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.15, the valuation of MFIN can be described as very cheap.
Based on the Price/Forward Earnings ratio, MFIN is valued cheaper than 81.82% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of MFIN to the average of the S&P500 Index (36.12), we can say MFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.6 | ||
| Fwd PE | 6.15 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MFIN is valued cheaply inside the industry as 81.82% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MFIN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.1
PEG (5Y)0.06
EPS Next 2Y-0.56%
EPS Next 3Y2.86%
5. Dividend
5.1 Amount
MFIN has a Yearly Dividend Yield of 5.22%, which is a nice return.
Compared to an average industry Dividend Yield of 5.21, MFIN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, MFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.22% |
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 26.12% of its income as dividend. This is a sustainable payout ratio.
DP26.12%
EPS Next 2Y-0.56%
EPS Next 3Y2.86%
9.97
+0.19 (+1.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners38.53%
Inst Owner Change1.11%
Ins Owners28.99%
Ins Owner Change0.85%
Market Cap232.10M
Revenue(TTM)240.58M
Net Income(TTM)40.99M
Analysts82.5
Price Target12.24 (22.77%)
Short Float %5.63%
Short Ratio21.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.22% |
Yearly Dividend0.4
Dividend Growth(5Y)-7.78%
DP26.12%
Div Incr Years2
Div Non Decr Years2
Ex-Date
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)0
Avg Revenue beat(2)-2.25%
Min Revenue beat(2)-2.88%
Max Revenue beat(2)-1.62%
Revenue beat(4)0
Avg Revenue beat(4)-3.01%
Min Revenue beat(4)-4.97%
Max Revenue beat(4)-1.62%
Revenue beat(8)0
Avg Revenue beat(8)-2.96%
Revenue beat(12)3
Avg Revenue beat(12)-0.94%
Revenue beat(16)7
Avg Revenue beat(16)3.48%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)25.76%
EPS NQ rev (3m)13.7%
EPS NY rev (1m)10.46%
EPS NY rev (3m)6.62%
Revenue NQ rev (1m)5.02%
Revenue NQ rev (3m)5.02%
Revenue NY rev (1m)1.54%
Revenue NY rev (3m)-0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.6 | ||
| Fwd PE | 6.15 | ||
| P/S | 0.96 | ||
| P/FCF | 1.92 | ||
| P/OCF | 1.92 | ||
| P/B | 0.58 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.78
EY17.85%
EPS(NY)1.62
Fwd EY16.27%
FCF(TTM)5.19
FCFY52.08%
OCF(TTM)5.19
OCFY52.08%
SpS10.33
BVpS17.07
TBVpS9.82
PEG (NY)1.1
PEG (5Y)0.06
Graham Number26.15
Profitability
| Industry Rank | Sector 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)1.77%
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
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-20.93%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.08
Health
| Industry Rank | Sector 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
WACC18.63%
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)5.33%
EPS 3Y-7.91%
EPS 5Y100.99%
EPS Q2Q%-13.51%
EPS Next Y5.11%
EPS Next 2Y-0.56%
EPS Next 3Y2.86%
EPS Next 5YN/A
Revenue 1Y (TTM)14.77%
Revenue growth 3Y10.29%
Revenue growth 5Y12.65%
Sales Q2Q%0.97%
Revenue Next Year5.4%
Revenue Next 2Y4.61%
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-2.36%
FCF growth 3Y13.65%
FCF growth 5Y12.22%
OCF growth 1Y-2.36%
OCF growth 3Y13.65%
OCF growth 5Y12.22%
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 of MEDALLION FINANCIAL CORP (MFIN) stock?
ChartMill assigns a valuation rating of 7 / 10 to MEDALLION FINANCIAL CORP (MFIN). This can be considered as Undervalued.
Can you provide the profitability details for MEDALLION FINANCIAL CORP?
MEDALLION FINANCIAL CORP (MFIN) has a profitability rating of 3 / 10.
What is the financial health of MEDALLION FINANCIAL CORP (MFIN) stock?
The financial health rating of MEDALLION FINANCIAL CORP (MFIN) is 3 / 10.
Is the dividend of MEDALLION FINANCIAL CORP sustainable?
The dividend rating of MEDALLION FINANCIAL CORP (MFIN) is 6 / 10 and the dividend payout ratio is 26.12%.