Medallion Financial Corp. (MFIN) 10-Year Financial Performance & Capital Metrics

MFIN • • Banking & Credit

Financial ServicesCredit ServicesConsumer Lending & Credit CardsPersonal Installment Lenders

AboutMedallion Financial Corp., together with its subsidiaries, operates as a finance company in the United States. The company operates through four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. It provides loans that finance consumer purchases of recreational vehicles, boats, and trailers; consumer home improvements; commercial businesses; and taxi medallions to individuals, and small to mid-size businesses. The company also offers commercial loans for purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and medallion loans. In addition, it provides debt, mezzanine, and equity investment capital to companies in various industries; and raises deposits and conducts other banking activities. Medallion Financial Corp. was incorporated in 1995 and is headquartered in New York City, New York.Show more

Net Interest Income $203M +7.7%
Total Revenue $292M +14.6%
Net Income $36M -34.9%
Return on Equity 8.43% -40.1%
Net Interest Margin 7.06% -2.9%
Efficiency Ratio 22% -17.3%
ROA 1.32% -42.1%
Equity / Assets 15.3% -3.8%
Book Value per Share 18.60 +5.0%
Tangible BV/Share 11.40 +10.2%
Debt/Equity 0.66 +7.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong NIM of 7.1%
✓Efficient operations: 22.0% efficiency ratio
✓Well capitalized: 15.3% equity/assets
✓Healthy dividend yield of 3.9%
✓Trading at only 0.5x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y18.13%

5Y15.61%

3Y17.64%

TTM-

Profit (Net Income) CAGR

10Y2.26%

5Y-

3Y-12.8%

TTM11.11%

EPS CAGR

10Y2.92%

5Y90.87%

3Y-11.19%

TTM1.18%

ROCE

10Y Avg5.34%

5Y Avg8.28%

3Y Avg11.18%

Latest9.17%

Peer Comparison

Personal Installment Lenders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ENVAEnova International, Inc.	3.9B	157.66	21.22	25.51%	7.88%	22.83%	38.36%	3.00
FOAFinance Of America Companies Inc.	192.23M	24.36	20.64	24.25%	0.79%	1.65%		90.98
OMFOneMain Holdings, Inc.	7.81B	66.37	15.65	7.98%	8.9%	20.87%	34.54%	6.72
ATLCAtlanticus Holdings Corporation	905.01M	59.77	12.53	13.46%	8.49%	20.24%	51.67%	5.12
RMRegional Management Corp.	372.97M	38.40	9.28	6.73%	7.01%	11.14%	70.75%	4.24
WRLDWorld Acceptance Corporation	719.24M	142.76	8.76	-1.46%	15.89%	15.61%	34.83%	1.20
MFINMedallion Financial Corp.	235.59M	10.12	6.66	14.65%	12.3%	8.96%	49.03%	0.66
OPRTOportun Financial Corporation	223.29M	5.06	-2.59	15.93%	-14.75%	7.97%	100%	7.98

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	12.91M	8.63M	3.7M	72.44M	97.52M	110.81M	127.83M	160.44M	188.09M	202.53M
NII Growth %	-0.16%	-0.33%	-0.57%	18.59%	0.35%	0.14%	0.15%	0.26%	0.17%	0.08%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	22.33M	21.27M	17.47M	100.81M	132.56M	144.96M	158.97M	196.62M	251.04M	290.7M
Interest Expense	9.42M	12.64M	13.77M	28.37M	35.05M	34.15M	31.14M	36.19M	62.95M	88.17M
Loan Loss Provision	0	0	0	59.01M	47.39M	69.82M	4.62M	30.06M	37.81M	76.5M
Non-Interest Income+	33.19M	83.57M	1.95M	10.22M	8.73M	6.4M	20.24M	1.81M	3.47M	1.09M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	55.52M	104.84M	19.41M	111.03M	141.29M	151.36M	179.21M	198.43M	254.51M	291.79M
Revenue Growth %	0.01%	0.89%	-0.81%	4.72%	0.27%	0.07%	0.18%	0.11%	0.28%	0.15%
Non-Interest Expense	16.72M	22.79M	13.49M	34.38M	56.53M	84.37M	61.57M	64.34M	67.72M	64.18M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	29.38M	69.42M	-7.85M	-10.72M	2.34M	-36.98M	81.87M	67.85M	86.04M	62.94M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.02%	1.36%	-1.11%	-0.37%	1.22%	-16.82%	3.21%	-0.17%	0.27%	-0.27%
Pretax Income+	29.38M	69.42M	-7.85M	-10.72M	2.34M	-36.98M	81.87M	67.85M	86.04M	62.94M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	0	45.9M	-728K	373K	341K	-10.07M	24.22M	17.96M	24.91M	21.01M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	29.38M	23.52M	278K	-25.05M	-1.76M	-34.78M	54.11M	43.84M	55.08M	35.88M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.02%	-0.2%	-0.99%	-91.09%	0.93%	-18.74%	2.56%	-0.19%	0.26%	-0.35%
Net Income (Continuing)	29.38M	23.52M	278K	-22.74M	2M	-26.91M	57.65M	49.89M	61.13M	41.92M
EPS (Diluted)+	1.20	0.97	0.01	-1.03	0.06	-1.42	2.17	1.83	2.37	1.52
EPS Growth %	0.05%	-0.19%	-0.99%	-104%	1.06%	-24.67%	2.53%	-0.16%	0.3%	-0.36%
EPS (Basic)	1.21	0.97	0.01	-1.03	0.06	-1.42	2.20	1.86	2.45	1.59
Diluted Shares Outstanding	24.39M	24.17M	24.05M	24.21M	24.34M	24.45M	24.94M	23.93M	23.25M	23.61M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	30.91M	20.96M	12.69M	23.84M	14.73M	51.74M	61.48M	33.17M	52.59M	98.24M
Short Term Investments	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	164.36M	298.25M	613.28M	1.04B	1.17B	1.23B	1.49B	1.91B	2.2B	2.46B
Investments Growth %	0.16%	0.81%	1.06%	0.69%	0.13%	0.05%	0.22%	0.28%	0.15%	0.12%
Long-Term Investments	164.36M	298.25M	613.28M	990.68M	1.12B	1.18B	1.45B	1.86B	2.14B	2.45B
Accounts Receivables	1000K	769K	547K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	5.1M	0	0	150.8M	150.8M	150.8M	150.8M	150.8M	150.8M	150.8M
Intangible Assets	0	0	0	53.98M	52.54M	51.09M	23.48M	22.04M	20.59M	19.15M
PP&E (Net)	198K	267K	235K	1.22M	14.38M	12.4M	11.76M	13.17M	14.08M	13.76M
Other Assets	487.48M	369.13M	8.77M	108.58M	125.21M	135.45M	120.82M	114.1M	138.19M	111.56M
Total Current Assets	31.91M	21.73M	13.24M	76.58M	73.91M	110.63M	117.71M	96.37M	121.08M	118.61M
Total Non-Current Assets	657.13M	667.65M	622.28M	1.31B	1.47B	1.53B	1.76B	2.16B	2.47B	2.75B
Total Assets+	689.05M	689.38M	635.52M	1.38B	1.54B	1.64B	1.87B	2.26B	2.59B	2.87B
Asset Growth %	0.09%	0%	-0.08%	1.17%	0.12%	0.07%	0.14%	0.21%	0.15%	0.11%
Return on Assets (ROA)	0.04%	0.03%	0%	-0.02%	-0%	-0.02%	0.03%	0.02%	0.02%	0.01%
Accounts Payable	6.42M	8.31M	8.2M	22.64M	18.55M	17.57M	16.91M	25.56M	35.13M	30M
Total Debt+	371.54M	316.07M	327.62M	213.99M	227.66M	254.07M	231.23M	229.93M	253.06M	288.59M
Net Debt	340.63M	295.11M	314.93M	190.15M	212.93M	202.33M	169.74M	196.76M	200.47M	190.35M
Long-Term Debt	371.54M	316.07M	327.62M	158.81M	174.61M	153.72M	219.97M	214.32M	235.54M	232.16M
Short-Term Debt	0	0	0	55.18M	38.22M	87.33M	0	5M	8M	49M
Other Liabilities	33M	78.9M	0	0	0	0	0	0	0	0
Total Current Liabilities	6.42M	8.31M	8.2M	925.86M	1.01B	1.17B	1.27B	1.64B	1.91B	2.17B
Total Non-Current Liabilities	404.54M	394.97M	340.16M	165.78M	196.69M	165.54M	247.24M	249.48M	263.77M	258.28M
Total Liabilities	410.96M	403.28M	348.36M	1.09B	1.21B	1.34B	1.52B	1.89B	2.18B	2.43B
Total Equity+	278.09M	286.1M	287.16M	290.2M	334.47M	304.56M	355.83M	370.52M	411.77M	438.96M
Equity Growth %	0.01%	0.03%	0%	0.01%	0.15%	-0.09%	0.17%	0.04%	0.11%	0.07%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.11%	0.08%	0%	-0.09%	-0.01%	-0.11%	0.16%	0.12%	0.14%	0.08%
Book Value per Share	11.40	11.84	11.94	11.98	13.74	12.46	14.27	15.49	17.71	18.60
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	269K	270K	273K	274K	276K	278K	281K	287K	291K	293K
Additional Paid-in Capital	272.35M	272.93M	273.72M	274.29M	275.51M	277.54M	280.04M	283.66M	288.05M	293.41M
Retained Earnings	-15.62M	-33.99M	-65.59M	13.04M	11.28M	-23.5M	30.61M	66.67M	103.88M	130.26M
Accumulated OCI	29M	71.8M	0	-82K	999K	2.01M	1.03M	-3.35M	-3.7M	-3.65M
Treasury Stock	-23.4M	-24.92M	-24.92M	-24.92M	-24.92M	-24.92M	-24.92M	-45.54M	-45.54M	-50.14M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-44.61M	61.59M	13.32M	66.55M	64.94M	78.71M	78.73M	108.74M	113.76M	115.51M
Operating CF Growth %	-3.5%	2.38%	-0.78%	4%	-0.02%	0.21%	0%	0.38%	0.05%	0.02%
Net Income	29.38M	23.52M	278K	-22.74M	2M	-26.91M	54.11M	49.89M	55.08M	41.92M
Depreciation & Amortization	415K	485K	1.02M	5.56M	7.5M	7.71M	1.75M	5.23M	1.84M	6.22M
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-68.38M	-11.85M	44.22M	63.75M	59.11M	110.88M	26.96M	41M	64.99M	77.34M
Working Capital Changes	-6.03M	48.87M	-32.98M	19.4M	-4.89M	-15.01M	-4.08M	9.15M	-8.15M	-16.02M
Cash from Investing+	-57.15M	0	0	-23.7M	-206.51M	-170.96M	-238.32M	-449M	-340.7M	-335.78M
Purchase of Investments	-117.54M	0	28.37M	-10.38M	-10.51M	-15.58M	-19.35M	-20.71M	-11.57M	-7.74M
Sale/Maturity of Investments	1000K	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	3.44M	0	0	0	0	0	0	0	0	0
Other Investing	-82K	0	0	-19.74M	-203.12M	-170.78M	-272.29M	-443.05M	-359.2M	-344.42M
Cash from Financing+	28.44M	-71.54M	-21.59M	-27.65M	151.68M	136.47M	172.04M	321.38M	271.18M	239.99M
Dividends Paid	-24.37M	-14.57M	-145K	-66K	0	0	0	-7.54M	-7.7M	-9.39M
Share Repurchases	-3.21M	-1.52M	0	0	0	0	0	-20.62M	0	-4.61M
Stock Issued	0	0	0	0	0	0	241K	0	442K	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	0	0	0	1000K	0	1000K	1000K
Other Financing	281K	19K	0	-27.59M	151.68M	136.47M	-6.52M	349.54M	-6.82M	-6.73M
Net Change in Cash+	-16.17M	-9.95M	-8.27M	15.2M	10.11M	44.22M	9.74M	-18.89M	19.42M	19.73M
Exchange Rate Effect	0	0	0	0	0	0	-1000K	0	-1000K	0
Cash at Beginning	47.08M	30.91M	20.96M	42.51M	57.71M	67.82M	54.74M	124.48M	33.17M	149.84M
Cash at End	30.91M	20.96M	12.69M	57.71M	67.82M	112.04M	64.48M	105.6M	52.59M	169.57M
Interest Paid	0	0	11.9M	25.1M	32.01M	31.2M	0	31.98M	0	82.76M
Income Taxes Paid	0	0	62K	85K	310K	104K	0	8.85M	0	22.46M
Free Cash Flow+	-44.61M	61.59M	13.32M	66.55M	64.94M	78.71M	78.73M	108.74M	113.76M	115.51M
FCF Growth %	-3.5%	2.38%	-0.78%	4%	-0.02%	0.21%	0%	0.38%	0.05%	0.02%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	10.63%	8.34%	0.1%	-8.68%	-0.56%	-10.89%	16.39%	12.07%	14.08%	8.43%
Return on Assets (ROA)	4.45%	3.41%	0.04%	-2.48%	-0.12%	-2.18%	3.08%	2.12%	2.27%	1.32%
Net Interest Margin	1.87%	1.25%	0.58%	5.24%	6.33%	6.75%	6.82%	7.1%	7.27%	7.06%
Efficiency Ratio	30.12%	21.73%	69.5%	30.96%	40.01%	55.74%	34.36%	32.42%	26.61%	22%
Equity / Assets	40.36%	41.5%	45.18%	21%	21.7%	18.54%	19%	16.4%	15.91%	15.3%
Book Value / Share	11.4	11.84	11.94	11.98	13.74	12.46	14.27	15.49	17.71	18.6
NII Growth	-16.02%	-33.14%	-57.15%	1858.92%	34.62%	13.63%	15.35%	25.51%	17.24%	7.68%
Dividend Payout	82.97%	61.96%	52.16%	-	-	-	-	17.21%	-	26.18%

Frequently Asked Questions

Valuation & Price

Medallion Financial Corp. (MFIN) has a price-to-earnings (P/E) ratio of 6.7x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Medallion Financial Corp. (MFIN) grew revenue by 14.6% over the past year. This is steady growth.

Yes, Medallion Financial Corp. (MFIN) is profitable, generating $44.5M in net income for fiscal year 2024 (12.3% net margin).

Dividend & Returns

Yes, Medallion Financial Corp. (MFIN) pays a dividend with a yield of 3.93%. This makes it attractive for income-focused investors.

Medallion Financial Corp. (MFIN) has a return on equity (ROE) of 8.4%. This is below average, suggesting room for improvement.

Industry Metrics

Medallion Financial Corp. (MFIN) has a net interest margin (NIM) of 7.1%. This indicates healthy earnings from lending activities.

Medallion Financial Corp. (MFIN) has an efficiency ratio of 22.0%. This is excellent, indicating strong cost control.

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