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SII vs MFIN
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Credit Services
SII vs MFIN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Asset Management | Financial - Credit Services |
| Market Cap | $3.06B | $231M |
| Revenue (TTM) | $386M | $340M |
| Net Income (TTM) | $84M | $47M |
| Gross Margin | 83.4% | 59.3% |
| Operating Margin | 30.5% | 30.9% |
| Forward P/E | 25.3x | 8.8x |
| Total Debt | $0.00 | $316M |
| Cash & Equiv. | $118M | $202M |
SII vs MFIN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Sprott Inc. (SII) | 100 | 329.1 | +229.1% |
| Medallion Financial… (MFIN) | 100 | 370.2 | +270.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SII vs MFIN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
SII is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 75.2%, EPS growth 38.7%
- 5.6% 10Y total return vs MFIN's 65.9%
- 75.2% NII/revenue growth vs MFIN's 21.1%
MFIN carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 3 yrs, beta 1.12, yield 4.6%
- Lower volatility, beta 1.12, Low D/E 62.3%, current ratio 27.10x
- Beta 1.12, yield 4.6%, current ratio 27.10x
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 75.2% NII/revenue growth vs MFIN's 21.1% | |
| Value | Lower P/E (8.8x vs 25.3x) | |
| Quality / Margins | Efficiency ratio 0.5% vs SII's 0.6% (lower = leaner) | |
| Stability / Safety | Beta 1.12 vs SII's 1.51 | |
| Dividends | 4.6% yield, 3-year raise streak, vs SII's 1.1% | |
| Momentum (1Y) | +89.8% vs MFIN's +8.6% | |
| Efficiency (ROA) | Efficiency ratio 0.5% vs SII's 0.6% |
SII vs MFIN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
SII leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
SII and MFIN operate at a comparable scale, with $386M and $340M in trailing revenue. SII is the more profitable business, keeping 21.9% of every revenue dollar as net income compared to MFIN's 13.7%.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $386M | $340M |
| EBITDAEarnings before interest/tax | $121M | $111M |
| Net IncomeAfter-tax profit | $84M | $47M |
| Free Cash FlowCash after capex | $126M | $126M |
| Gross MarginGross profit ÷ Revenue | +83.4% | +59.3% |
| Operating MarginEBIT ÷ Revenue | +30.5% | +30.9% |
| Net MarginNet income ÷ Revenue | +21.9% | +13.7% |
| FCF MarginFCF ÷ Revenue | +32.6% | +37.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +143.5% | +16.3% |
Valuation Metrics
MFIN leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 5.5x trailing earnings, MFIN trades at a 88% valuation discount to SII's 44.8x P/E. On an enterprise value basis, MFIN's 1.9x EV/EBITDA is more attractive than SII's 29.5x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $3.1B | $231M |
| Enterprise ValueMkt cap + debt − cash | $2.9B | $346M |
| Trailing P/EPrice ÷ TTM EPS | 44.83x | 5.51x |
| Forward P/EPrice ÷ next-FY EPS est. | 25.29x | 8.80x |
| PEG RatioP/E ÷ EPS growth rate | 2.33x | — |
| EV / EBITDAEnterprise value multiple | 29.48x | 1.94x |
| Price / SalesMarket cap ÷ Revenue | 10.39x | 0.65x |
| Price / BookPrice ÷ Book value/share | 8.35x | 0.47x |
| Price / FCFMarket cap ÷ FCF | 31.96x | 1.83x |
Profitability & Efficiency
SII leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
SII delivers a 23.5% return on equity — every $100 of shareholder capital generates $23 in annual profit, vs $9 for MFIN.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +23.5% | +9.4% |
| ROA (TTM)Return on assets | +17.5% | +1.6% |
| ROICReturn on invested capital | +21.1% | +17.2% |
| ROCEReturn on capital employed | +24.8% | +10.0% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | — | 0.62x |
| Net DebtTotal debt minus cash | -$118M | $115M |
| Cash & Equiv.Liquid assets | $118M | $202M |
| Total DebtShort + long-term debt | $0 | $316M |
| Interest CoverageEBIT ÷ Interest expense | 94.69x | 1.07x |
Total Returns (Dividends Reinvested)
SII leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SII five years ago would be worth $29,214 today (with dividends reinvested), compared to $12,551 for MFIN. Over the past 12 months, SII leads with a +89.8% total return vs MFIN's +8.6%. The 3-year compound annual growth rate (CAGR) favors SII at 54.8% vs MFIN's 13.1% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +18.1% | -1.1% |
| 1-Year ReturnPast 12 months | +89.8% | +8.6% |
| 3-Year ReturnCumulative with dividends | +271.1% | +44.5% |
| 5-Year ReturnCumulative with dividends | +192.1% | +25.5% |
| 10-Year ReturnCumulative with dividends | +555.3% | +65.9% |
| CAGR (3Y)Annualised 3-year return | +54.8% | +13.1% |
Risk & Volatility
MFIN leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
MFIN is the less volatile stock with a 1.12 beta — it tends to amplify market swings less than SII's 1.51 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MFIN currently trades 89.2% from its 52-week high vs SII's 70.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.51x | 1.12x |
| 52-Week HighHighest price in past year | $169.63 | $11.00 |
| 52-Week LowLowest price in past year | $61.94 | $7.88 |
| % of 52W HighCurrent price vs 52-week peak | +70.0% | +89.2% |
| RSI (14)Momentum oscillator 0–100 | 36.0 | 57.4 |
| Avg Volume (50D)Average daily shares traded | 174K | 62K |
Analyst Outlook
MFIN leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates SII as "Buy" and MFIN as "Hold". For income investors, MFIN offers the higher dividend yield at 4.61% vs SII's 1.09%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | — | $10.50 |
| # AnalystsCovering analysts | 1 | 9 |
| Dividend YieldAnnual dividend ÷ price | +1.1% | +4.6% |
| Dividend StreakConsecutive years of raises | 2 | 3 |
| Dividend / ShareAnnual DPS | $1.30 | $0.45 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +0.4% |
SII leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). MFIN leads in 3 (Valuation Metrics, Risk & Volatility).
SII vs MFIN: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SII or MFIN a better buy right now?
For growth investors, Sprott Inc.
(SII) is the stronger pick with 75. 2% revenue growth year-over-year, versus 21. 1% for Medallion Financial Corp. (MFIN). Medallion Financial Corp. (MFIN) offers the better valuation at 5. 5x trailing P/E (8. 8x forward), making it the more compelling value choice. Analysts rate Sprott Inc. (SII) a "Buy" — based on 1 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 — SII or MFIN?
On trailing P/E, Medallion Financial Corp.
(MFIN) is the cheapest at 5. 5x versus Sprott Inc. at 44. 8x. On forward P/E, Medallion Financial Corp. is actually cheaper at 8. 8x.
03Which is the better long-term investment — SII or MFIN?
Over the past 5 years, Sprott Inc.
(SII) delivered a total return of +192. 1%, compared to +25. 5% for Medallion Financial Corp. (MFIN). Over 10 years, the gap is even starker: SII returned +555. 3% versus MFIN's +65. 9%. 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 — SII or MFIN?
By beta (market sensitivity over 5 years), Medallion Financial Corp.
(MFIN) is the lower-risk stock at 1. 12β versus Sprott Inc. 's 1. 51β — meaning SII is approximately 35% more volatile than MFIN relative to the S&P 500.
05Which is growing faster — SII or MFIN?
By revenue growth (latest reported year), Sprott Inc.
(SII) is pulling ahead at 75. 2% versus 21. 1% for Medallion Financial Corp. (MFIN). On earnings-per-share growth, the picture is similar: Sprott Inc. grew EPS 38. 7% year-over-year, compared to 17. 1% for Medallion Financial Corp.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — SII or MFIN?
Sprott Inc.
(SII) is the more profitable company, earning 23. 2% net margin versus 12. 2% for Medallion Financial Corp. — meaning it keeps 23. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MFIN leads at 50. 5% versus 33. 0% for SII. At the gross margin level — before operating expenses — MFIN leads at 96. 7%, 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.
07Is SII or MFIN more undervalued right now?
On forward earnings alone, Medallion Financial Corp.
(MFIN) trades at 8. 8x forward P/E versus 25. 3x for Sprott Inc. — 16. 5x cheaper on a one-year earnings basis.
08Which pays a better dividend — SII or MFIN?
All stocks in this comparison pay dividends.
Medallion Financial Corp. (MFIN) offers the highest yield at 4. 6%, versus 1. 1% for Sprott Inc. (SII).
09Is SII or MFIN 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 1. 12), 4. 6% yield). Sprott Inc. (SII) carries a higher beta of 1. 51 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (MFIN: +65. 9%, SII: +555. 3%), 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.
10What are the main differences between SII and MFIN?
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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