Medallion Financial Corp. (MFIN)

NASDAQ: MFIN · USD

$11.5

+0.13 (+1.1%)· Recorded snapshot

Market cap	257.2M
Revenue (ttm)	350M
Net income (ttm)	32.4M
EPS (ttm)	$1.33
Shares out	22.4M
P/E (trailing)	8.6x
P/E (forward)	8.8x
Dividend	$0.56 (4.94%)
Volume	18,605
Beta	0.77

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 350M
Net income (ttm): 32.4M
EPS (ttm): $1.33
P/E (trailing): 8.6x
P/E (forward): 8.8x
Market cap: 257.2M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	强力买入
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	强力买入
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	持有

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E8.8

P25 n/aP50 n/aP75 n/a

Trailing P/E8.6

P25 n/aP50 n/aP75 n/a

ROE8.7

P25 n/aP50 n/aP75 n/a

ROIC4

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All MFIN indicators

Market & fundamental data

Available fields

277

Groups with data

Currency

USD

Showing 277 of 277 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001000209
Company name	Medallion Financial Corp.
Country	United States
Country code	US
CUSIP number	583928106
Earnings date	2026-10-29
Earnings time	amc
Employees	179
Employees change	5
Employees growth	2.87%
Enterprise value	$2.7B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1995
In index	RUSSELL2000
Industry	Credit Services
IPO date	1996-05-23
Is primary listing	Yes
Is SPAC	No
ISIN number	US5839281061
Last 10-K release date	2026-03-10
Last earnings date	2026-07-29
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$257.2M
Market cap category	Micro-Cap
Next earnings date	2026-10-29
Options	Yes
Price	$11.50
Price currency	USD
Sector	Financials
SIC code	6199
Stock price date	2026-10-28
Symbol	MFIN
U.S. state	New York
Website	https://www.medallion.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	8.65x
Average P/E ratio (10Y)	20.95x
Average P/E ratio (3Y)	4.88x
Average P/E ratio (5Y)	4.32x
Earnings yield	11.59%
EV/Earnings	83.15x
EV/EBIT	15.94x
EV/EBITDA	15.19x
EV/FCF	15.38x
EV/Sales	7.69x
FCF / EV yield	6.5%
FCF yield	68.23%
Forward EV/Sales	10.98x
Forward P/E	8.85x
Forward P/S	1.05x
Graham number	23.29148
Graham upside	103.24%
Industry forward P/E	19.82x
Industry P/E	22.96x
Lynch fair value	$33.33
Lynch upside	190.81%
P/(FCF - SBC) ratio	1.53x
P/(OCF - SBC) ratio	1.53x
P/B ratio	0.63x
P/E ratio	8.63x
P/FCF ratio	1.47x
P/OCF ratio	1.47x
P/S ratio	0.73x
Price / tangible book value	1.08x
Price/EBITDA ratio	1.45x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	48.22%
EBITDA margin	50.61%
Effective tax rate	31.79%
FCF margin	49.98%
Gross margin	74%
Operating margin	48.22%
Pretax margin	18.94%
Profit margin	9.25%
Profit per employee	$180,777
Profitable quarters	23
Profitable years	5
Revenue per employee	$2M
ROA	3.47%
ROA (5Y)	3.64%
ROCE	5.43%
ROE	8.71%
ROE (5Y)	13.67%
ROIC	4.04%
ROIC (5Y)	4.43%
SBC / revenue	2.1%
Tax / revenue	6.02%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-23.88%
EPS growth (Q)	-32.61%
EPS growth (QoQ)	55%
EPS growth 10Y	2.42%
EPS growth 3Y	-15.22%
EPS growth 5Y	84.34%
EPS growth years	1
FCF growth	196.62%
FCF growth 3Y	14.8%
FCF growth 5Y	15.49%
Gross profit growth	4.79%
Gross profit growth (Q)	2.29%
Gross profit growth 3Y	9.49%
Gross profit growth 5Y	13.97%
Net income growth	-22.65%
Net income growth (Q)	-32.74%
Net income growth (QoQ)	50.31%
Net income growth 3Y	-13.63%
Net income growth 5Y	83.98%
Net income growth years	1
OCF growth	196.62%
OCF growth (QoQ)	-57.69%
OCF growth 3Y	14.8%
OCF growth 5Y	15.49%
Operating income growth	-1.66%
Operating income growth (Q)	-4.4%
Operating income growth 3Y	10.74%
Operating income growth 5Y	32.43%
Revenue growth	5.59%
Revenue growth (Q)	2.54%
Revenue growth (QoQ)	9.05%
Revenue growth 10Y	25.93%
Revenue growth 3Y	15.21%
Revenue growth 5Y	15.09%
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Depreciation and amortization	$8.3M
EBIT	$168.8M
EBITDA	$177.1M
EPS	$1.33
FCF per share	$7.82
Financing cash flow	$261.9M
Free cash flow	$174.9M
Free cash flow minus SBC	$167.6M
Gross profit	$259M
Income taxes	$21.1M
Investing cash flow	$-382.8M
Net cash flow	$54M
Net income	$32.4M
Operating cash flow minus SBC	$167.6M
Operating income	$168.8M
Revenue	$350M
Stock-based compensation	$7.3M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	1.47
Book value per share	$18.09
Debt / EBITDA	14.67
Debt / equity	5.22
Debt / FCF	15.1
Goodwill	$150.8M
Interest coverage	1.65
Long-term assets	$293.5M
Long-term liabilities	$2.6B
Net cash (debt)	$-2.4B
Net cash / market cap	-949.71%
Net debt / EBITDA	13.75
Net debt / equity	4.82
Net debt / FCF	13.92
Piotroski F-Score	5
Property, plant and equipment	$8.7M
Shareholders' equity	$505.4M
Tangible book value	$238.2M
Tangible book value per share	$10.61
Total assets	$3.2B
Total cash	$206M
Total debt	$2.6B
Total liabilities	$2.7B
WACC	3.16%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.12
Current assets	$2.9B
Current liabilities	$82.8M
Current ratio	35.02
Net working capital	$2.7B
Quick ratio	2.75
Working capital	$2.8B
Working capital turnover	0.13

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-2.56%
Dividend growth	13.04%
Dividend growth (10Y)	-4.22%
Dividend growth (3Y)	17.57%
Dividend growth (5Y)	45.41%
Dividend growth years	3
Dividend payment date	2026-08-31
Dividend payment years	5
Dividend payout frequency	Quarterly
Dividend per share	$0.56
Dividend yield	4.94%
Ex-dividend date	2026-08-17
FCF payout ratio	6.65%
Last dividend	$0.14
Payout ratio	39.01%
Shareholder yield	2.38%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	212.5%
10Y return CAGR	14.77%
10Y total return	296.33%
150-day SMA	$10.39
15Y price change	-1.37%
15Y return CAGR	4.23%
15Y total return	86.06%
1D price change	1.14%
1M price change	-3.85%
1M total return	-3.85%
1W price change	2.68%
1W total return	2.68%
1Y price change	16.4%
1Y return CAGR	22.69%
1Y total return	22.68%
20-day SMA	$11.52
200-day SMA	$10.27
20Y price change	-2.13%
20Y return CAGR	5.21%
20Y total return	175.95%
3M price change	17.47%
3M total return	18.92%
3Y price change	76.38%
3Y return CAGR	27.02%
3Y total return	104.95%
50-day SMA	$11.75
50-day SMA vs 200-day SMA	50over200
52-week high	$12.26
52-week high date	2026-09-11
52-week low	$7.85
52-week low date	2026-03-30
5Y price change	47.06%
5Y return CAGR	12.95%
5Y total return	83.86%
6M price change	21.18%
6M total return	24.48%
All-time high	$31.36
All-time high date	1998-04-24
All-time low	$1.29
All-time low date	2020-04-06
Average true range (ATR)	$0.31
Average volume	48.9K
Beta (1Y)	1.33
Beta (2Y)	0.7
Beta (5Y)	0.77
Change from 52-week high	-6.2%
Change from 52-week low	46.5%
Change from all-time high	-63.33%
Change from all-time low	791.47%
Change from open	0.79%
Day's gap	0.35%
Dollar volume	$213,958
High price	$11.58
Low price	$11.30
Monthly RSI	61.6
Open price	$11.41
Position in 52-week range	71.43%
Previous close	$11.37
Price vs 150-day SMA	10.67%
Price vs 20-day SMA	-0.16%
Price vs 200-day SMA	12.03%
Price vs 50-day SMA	-2.13%
Relative volume	0.38
RSI	49.49
Sharpe ratio	0.71
Sharpe ratio (3Y)	0.75
Sharpe ratio (5Y)	0.37
Sortino ratio	1.26
Sortino ratio (3Y)	1.26
Sortino ratio (5Y)	0.69
Volume	18.6K
Weekly RSI	58.03
YTD price change	11.76%
YTD total return	16.38%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	16.9M
Float percentage	75.74%
Shares change (QoQ)	-2.17%
Shares change (YoY)	2.56%
Shares held by insiders	24.26%
Shares held by institutions	35.91%
Shares outstanding	22.4M
Short % of float	5.15%
Short % of shares	3.9%
Short ratio	12.6 days

Deeper analysis on MFIN

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this MFIN report

Is a complete MFIN research report available?

No complete published report is available for Medallion Financial Corp. (MFIN) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Medallion Financial Corp. (MFIN)

Price

Financial snapshot

Fair-value bridge

Latest news · MFIN

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All MFIN indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on MFIN

Frequently asked questions