Comprehensive Stock Comparison
Compare Medallion Financial Corp. (MFIN) vs JPMorgan Chase & Co. (JPM) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | MFIN | 14.6% revenue growth vs JPM's 14.6% |
| Value | MFIN | Lower P/E (7.1x vs 13.9x), PEG 0.08 vs 1.07 |
| Quality / Margins | JPM | 21.6% net margin vs MFIN's 12.3% |
| Stability / Safety | MFIN | Beta 0.57 vs JPM's 1.00, lower leverage |
| Dividends | MFIN | 3.9% yield, 3-year raise streak, vs JPM's 1.7% |
| Momentum (1Y) | MFIN | +25.3% vs JPM's +15.7% |
| Efficiency (ROA) | MFIN | 1.5% ROA vs JPM's 1.3%, ROIC 6.8% vs 5.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Medallion Financial is a specialty finance company that provides loans for recreational vehicles, home improvements, commercial businesses, and taxi medallions. It generates revenue primarily through interest income from its lending segments — recreation lending, home improvement lending, commercial lending, and medallion lending — with the recreation segment being its largest. The company's competitive advantage lies in its specialized expertise in niche lending markets where traditional banks are less active, particularly in taxi medallion financing where it has deep industry knowledge.
JPMorgan Chase is a global financial services giant that operates as a universal bank offering consumer banking, investment banking, commercial banking, and asset management services. It generates revenue primarily through net interest income from lending activities (about 50% of total revenue) and non-interest income from investment banking fees, trading, asset management, and card services. The company's key competitive advantage lies in its massive scale, diversified revenue streams, and fortress balance sheet—which together create significant barriers to entry and provide stability through economic cycles.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
MFIN leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). JPM leads in 2 (Financial Metrics, Total Returns). 1 tied.
Financial Metrics (TTM)
JPM is the larger business by revenue, generating $270.8B annually — 928.0x MFIN's $292M. JPM is the more profitable business, keeping 21.6% of every revenue dollar as net income compared to MFIN's 12.3%.
| Metric | MFINMedallion Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| RevenueTrailing 12 months | $292M | $270.8B |
| EBITDAEarnings before interest/tax | $86M | $81.3B |
| Net IncomeAfter-tax profit | $45M | $58.0B |
| Free Cash FlowCash after capex | $121M | -$119.7B |
| Gross MarginGross profit ÷ Revenue | +43.6% | +58.6% |
| Operating MarginEBIT ÷ Revenue | +21.6% | +27.7% |
| Net MarginNet income ÷ Revenue | +12.3% | +21.6% |
| FCF MarginFCF ÷ Revenue | +39.6% | -15.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -13.5% | +16.0% |
Valuation Metrics
At 6.6x trailing earnings, MFIN trades at a 56% valuation discount to JPM's 15.2x P/E. Adjusting for growth (PEG ratio), MFIN offers better value at 0.07x vs JPM's 1.17x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | MFINMedallion Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| Market CapShares × price | $298M | $809.7B |
| Enterprise ValueMkt cap + debt − cash | $489M | $1.09T |
| Trailing P/EPrice ÷ TTM EPS | 6.64x | 15.21x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.08x | 13.93x |
| PEG RatioP/E ÷ EPS growth rate | 0.07x | 1.17x |
| EV / EBITDAEnterprise value multiple | 7.07x | 13.15x |
| Price / SalesMarket cap ÷ Revenue | 1.02x | 2.99x |
| Price / BookPrice ÷ Book value/share | 0.54x | 2.51x |
| Price / FCFMarket cap ÷ FCF | 2.58x | — |
Profitability & Efficiency
JPM delivers a 16.1% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $9 for MFIN. MFIN carries lower financial leverage with a 0.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.18x. On the Piotroski fundamental quality scale (0–9), JPM scores 5/9 vs MFIN's 4/9, reflecting solid financial health.
| Metric | MFINMedallion Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| ROE (TTM)Return on equity | +9.0% | +16.1% |
| ROA (TTM)Return on assets | +1.5% | +1.3% |
| ROICReturn on invested capital | +6.8% | +5.4% |
| ROCEReturn on capital employed | +9.2% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.66x | 2.18x |
| Net DebtTotal debt minus cash | $190M | $281.8B |
| Cash & Equiv.Liquid assets | $98M | $469.3B |
| Total DebtShort + long-term debt | $289M | $751.1B |
| Interest CoverageEBIT ÷ Interest expense | 0.80x | 0.74x |
Total Returns (with DRIP)
A $10,000 investment in JPM five years ago would be worth $21,449 today (with dividends reinvested), compared to $16,112 for MFIN. Over the past 12 months, MFIN leads with a +25.3% total return vs JPM's +15.7%. The 3-year compound annual growth rate (CAGR) favors JPM at 30.0% vs MFIN's 9.8% — a key indicator of consistent wealth creation.
| Metric | MFINMedallion Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| YTD ReturnYear-to-date | -0.9% | -7.3% |
| 1-Year ReturnPast 12 months | +25.3% | +15.7% |
| 3-Year ReturnCumulative with dividends | +32.5% | +119.7% |
| 5-Year ReturnCumulative with dividends | +61.1% | +114.5% |
| 10-Year ReturnCumulative with dividends | +50.0% | +497.7% |
| CAGR (3Y)Annualised 3-year return | +9.8% | +30.0% |
Risk & Volatility
MFIN is the less volatile stock with a 0.57 beta — it tends to amplify market swings less than JPM's 1.00 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | MFINMedallion Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.57x | 1.00x |
| 52-Week HighHighest price in past year | $11.00 | $337.25 |
| 52-Week LowLowest price in past year | $7.78 | $202.16 |
| % of 52W HighCurrent price vs 52-week peak | +91.7% | +89.0% |
| RSI (14)Momentum oscillator 0–100 | 47.8 | 48.1 |
| Avg Volume (50D)Average daily shares traded | 35K | 9.0M |
Analyst Outlook
Wall Street rates MFIN as "Hold" and JPM as "Buy". For income investors, MFIN offers the higher dividend yield at 3.94% vs JPM's 1.71%.
| Metric | MFINMedallion Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | — | $336.10 |
| # AnalystsCovering analysts | 9 | 60 |
| Dividend YieldAnnual dividend ÷ price | +3.9% | +1.7% |
| Dividend StreakConsecutive years of raises | 3 | 14 |
| Dividend / ShareAnnual DPS | $0.40 | $5.13 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.5% | +3.5% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Medallion Financial… (MFIN) | 100 | 186.33 | +86.3% |
| JPMorgan Chase & Co. (JPM) | 100 | 253.57 | +153.6% |
JPMorgan Chase & Co. (JPM) returned +114% over 5 years vs Medallion Financial… (MFIN)'s +61%. A $10,000 investment in JPM 5 years ago would be worth $21,449 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Medallion Financial… (MFIN) | $56M | $292M | +425.5% |
| JPMorgan Chase & Co. (JPM) | $101.0B | $270.8B | +168.1% |
Medallion Financial Corp.'s revenue grew from $56M (2015) to $292M (2024) — a 20.2% CAGR. JPMorgan Chase & Co.'s revenue grew from $101.0B (2015) to $270.8B (2024) — a 11.6% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Medallion Financial… (MFIN) | 52.9% | 12.3% | -76.8% |
| JPMorgan Chase & Co. (JPM) | 24.2% | 21.6% | -10.8% |
Medallion Financial Corp.'s net margin went from 53% (2015) to 12% (2024). JPMorgan Chase & Co.'s net margin went from 24% (2015) to 22% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Medallion Financial… (MFIN) | 353 | 6.2 | -98.2% |
| JPMorgan Chase & Co. (JPM) | 16.9 | 12.1 | -28.4% |
Medallion Financial Corp. has traded in a 3x–353x P/E range over 6 years; current trailing P/E is ~7x. JPMorgan Chase & Co. has traded in a 10x–17x P/E range over 8 years; current trailing P/E is ~15x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Medallion Financial… (MFIN) | 1.2 | 1.52 | +26.7% |
| JPMorgan Chase & Co. (JPM) | 6 | 19.75 | +229.2% |
Medallion Financial Corp.'s EPS grew from $1.20 (2015) to $1.52 (2024) — a 3% CAGR. JPMorgan Chase & Co.'s EPS grew from $6.00 (2015) to $19.75 (2024) — a 14% CAGR.
Chart 6Free Cash Flow — 5 Years
Medallion Financial Corp. generated $116M FCF in 2024 (+47% vs 2021). JPMorgan Chase & Co. generated $-42B FCF in 2024 (-154% vs 2021).
MFIN vs JPM: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is MFIN or JPM a better buy right now?
Medallion Financial Corp. (MFIN) offers the better valuation at 6.6x trailing P/E (7.1x forward), making it the more compelling value choice. Analysts rate JPMorgan Chase & Co. (JPM) a "Buy" — based on 60 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — MFIN or JPM?
On trailing P/E, Medallion Financial Corp. (MFIN) is the cheapest at 6.6x versus JPMorgan Chase & Co. at 15.2x. On forward P/E, Medallion Financial Corp. is actually cheaper at 7.1x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Medallion Financial Corp. wins at 0.08x versus JPMorgan Chase & Co.'s 1.07x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — MFIN or JPM?
Over the past 5 years, JPMorgan Chase & Co. (JPM) delivered a total return of +114.5%, compared to +61.1% for Medallion Financial Corp. (MFIN). A $10,000 investment in JPM five years ago would be worth approximately $21K today (assuming dividends reinvested). Over 10 years, the gap is even starker: JPM returned +497.7% versus MFIN's +50.0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — MFIN or JPM?
By beta (market sensitivity over 5 years), Medallion Financial Corp. (MFIN) is the lower-risk stock at 0.57β versus JPMorgan Chase & Co.'s 1.00β — meaning JPM is approximately 76% more volatile than MFIN relative to the S&P 500. On balance sheet safety, Medallion Financial Corp. (MFIN) carries a lower debt/equity ratio of 66% versus 2% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which has better profit margins — MFIN or JPM?
JPMorgan Chase & Co. (JPM) is the more profitable company, earning 21.6% net margin versus 12.3% for Medallion Financial Corp. — meaning it keeps 21.6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JPM leads at 27.7% versus 21.6% for MFIN. At the gross margin level — before operating expenses — JPM leads at 58.6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is MFIN or JPM more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, Medallion Financial Corp. (MFIN) is the more undervalued stock at a PEG of 0.08x versus JPMorgan Chase & Co.'s 1.07x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Medallion Financial Corp. (MFIN) trades at 7.1x forward P/E versus 13.9x for JPMorgan Chase & Co. — 6.9x cheaper on a one-year earnings basis.
07Which pays a better dividend — MFIN or JPM?
All stocks in this comparison pay dividends. Medallion Financial Corp. (MFIN) offers the highest yield at 3.9%, versus 1.7% for JPMorgan Chase & Co. (JPM).
08Is MFIN or JPM better for a retirement portfolio?
For long-horizon retirement investors, Medallion Financial Corp. (MFIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.57), 3.9% yield). Both have compounded well over 10 years (MFIN: +50.0%, JPM: +497.7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between MFIN and JPM?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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