8-K Announcements
6Apr 29, 2026·SEC
Apr 28, 2026·SEC
Apr 3, 2026·SEC
Medallion Financial Corp. (MFIN) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Medallion Financial Corp. (MFIN) stock price & volume — 10-year historical chart
Medallion Financial Corp. (MFIN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Medallion Financial Corp. (MFIN) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.20vs $0.25-20.0% | $54Mvs $56M-3.7% |
| Q1 2026 | Feb 18, 2026 | $0.50vs $0.41+22.0% | $56Mvs $56M+0.9% |
| Q4 2025 | Oct 29, 2025 | $0.46vs $0.29+58.6% | $54Mvs $56M-3.5% |
| Q3 2025 | Jul 30, 2025 | $0.46vs $0.30+53.3% | $58Mvs $56M+4.2% |
Medallion Financial Corp. (MFIN) competitors in Auto and Specialty Asset Finance — business model, growth, and fundamentals comparison
Medallion Financial Corp. (MFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Medallion Financial Corp. (MFIN) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 3.7M | 72.44M | 97.52M | 110.81M | 127.83M | 160.44M | 188.09M | 202.53M | 216.89M |
| NII Growth % | -57.15% | 1858.92% | 34.62% | 13.63% | 15.35% | 25.51% | 17.24% | 7.68% | 7.09% |
| Net Interest Margin % | 0.58% | 5.24% | 6.33% | 6.75% | 6.82% | 7.1% | 7.27% | 7.06% | 7.34% |
| Interest Income | 17.47M | 100.81M | 132.56M | 144.96M | 158.97M | 196.62M | 251.04M | 290.7M | 315.32M |
| Interest Expense | 13.77M | 28.37M | 35.05M | 34.15M | 31.14M | 36.19M | 62.95M | 88.17M | 98.43M |
| Loan Loss Provision | 0 | 59.01M | 47.39M | 69.82M | 4.62M | 30.06M | 37.81M | 76.5M | -86.93M |
| Non-Interest Income | 1.95M | 10.22M | 8.73M | 6.4M | 20.24M | 1.81M | 3.47M | 1.09M | 37.99M |
| Non-Interest Income % | 10.03% | 9.2% | 6.18% | 4.23% | 11.29% | 0.91% | 1.36% | 0.37% | 10.75% |
| Total Revenue | 19.41M▲ 0% | 111.03M▲ 471.9% | 141.29M▲ 27.3% | 151.36M▲ 7.1% | 179.21M▲ 18.4% | 198.43M▲ 10.7% | 254.51M▲ 28.3% | 291.79M▲ 14.6% | 353.31M▲ 21.1% |
| Revenue Growth % | -81.48% | 471.87% | 27.26% | 7.12% | 18.4% | 10.73% | 28.26% | 14.65% | 21.09% |
| Non-Interest Expense | 13.49M | 34.38M | 56.53M | 84.37M | 61.57M | 64.34M | 67.72M | 64.18M | 163.5M |
| Efficiency Ratio | 69.5% | 30.96% | 40.01% | 55.74% | 34.36% | 32.42% | 26.61% | 22% | 46.28% |
| Operating Income | -7.85M▲ 0% | -10.72M▼ 36.6% | 2.34M▲ 121.8% | -36.98M▼ 1682.4% | 81.87M▲ 321.4% | 67.85M▼ 17.1% | 86.04M▲ 26.8% | 62.94M▼ 26.8% | 178.31M▲ 183.3% |
| Operating Margin % | -40.43% | -9.66% | 1.65% | -24.43% | 45.69% | 34.19% | 33.8% | 21.57% | 50.47% |
| Operating Income Growth % | -111.31% | -36.6% | 121.8% | -1682.41% | 321.39% | -17.13% | 26.8% | -26.85% | 183.32% |
| Pretax Income | -7.85M▲ 0% | -10.72M▼ 36.6% | 2.34M▲ 121.8% | -36.98M▼ 1682.4% | 81.87M▲ 321.4% | 67.85M▼ 17.1% | 86.04M▲ 26.8% | 62.94M▼ 26.8% | 79.89M▲ 26.9% |
| Pretax Margin % | -40.43% | -9.66% | 1.65% | -24.43% | 45.69% | 34.19% | 33.8% | 21.57% | 22.61% |
| Income Tax | -728K | 373K | 341K | -10.07M | 24.22M | 17.96M | 24.91M | 21.01M | 24.54M |
| Effective Tax Rate % | 9.28% | -3.48% | 14.59% | 27.24% | 29.58% | 26.47% | 28.95% | 33.38% | 30.72% |
| Net Income | 278K▲ 0% | -25.05M▼ 9109.4% | -1.76M▲ 93.0% | -34.78M▼ 1874.1% | 54.11M▲ 255.6% | 43.84M▼ 19.0% | 55.08M▲ 25.6% | 35.88M▼ 34.9% | 43.04M▲ 20.0% |
| Net Margin % | 1.43% | -22.56% | -1.25% | -22.98% | 30.19% | 22.09% | 21.64% | 12.3% | 12.18% |
| Net Income Growth % | -98.82% | -9109.35% | 92.96% | -1874.06% | 255.56% | -18.98% | 25.64% | -34.86% | 19.97% |
| Net Income (Continuing) | 278K | -22.74M | 2M | -26.91M | 57.65M | 49.89M | 61.13M | 41.92M | 55.34M |
| EPS (Diluted) | 0.01▲ 0% | -1.03▼ 10400.0% | 0.06▲ 105.8% | -1.42▼ 2466.7% | 2.17▲ 252.8% | 1.83▼ 15.7% | 2.37▲ 29.5% | 1.52▼ 35.9% | 1.78▲ 17.1% |
| EPS Growth % | -98.97% | -10400% | 105.83% | -2466.67% | 252.82% | -15.67% | 29.51% | -35.87% | 17.11% |
| EPS (Basic) | 0.01 | -1.03 | 0.06 | -1.42 | 2.20 | 1.86 | 2.45 | 1.59 | 1.89 |
| Diluted Shares Outstanding | 24.05M | 24.21M | 24.34M | 24.45M | 24.94M | 23.93M | 23.25M | 23.61M | 24.25M |
Medallion Financial Corp. (MFIN) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 12.69M | 69.17M | 63.73M | 98.53M | 106.25M | 81.66M | 106.87M | 101.17M | 261.75M |
| Cash & Due from Banks | 12.69M | 23.84M | 14.73M | 51.74M | 61.48M | 33.17M | 52.59M | 98.24M | 201.56M |
| Short Term Investments | 0 | 45.32M | 49M | 46.79M | 44.77M | 48.49M | 54.28M | 2.93M | 60.18M |
| Total Investments | 613.28M | 1.04B | 1.17B | 1.23B | 1.49B | 1.91B | 2.2B | 2.46B | 2.59B |
| Investments Growth % | 105.62% | 68.93% | 13.3% | 4.68% | 21.52% | 28.04% | 14.93% | 11.85% | 5.3% |
| Long-Term Investments | 613.28M | 990.68M | 1.12B | 1.18B | 1.45B | 1.86B | 2.14B | 2.45B | 2.53B |
| Accounts Receivables | 547K | 7.41M | 8.66M | 10.34M | 10.62M | 12.61M | 13.54M | 15.31M | 2.46B |
| Goodwill & Intangibles | 0 | 204.78M | 203.34M | 201.89M | 174.28M | 172.84M | 171.39M | 169.95M | 168.5M |
| Goodwill | 0 | 150.8M | 150.8M | 150.8M | 150.8M | 150.8M | 150.8M | 150.8M | 150.8M |
| Intangible Assets | 0 | 53.98M | 52.54M | 51.09M | 23.48M | 22.04M | 20.59M | 19.15M | 17.7M |
| PP&E (Net) | 235K | 1.22M | 14.38M | 12.4M | 11.76M | 13.17M | 14.08M | 13.76M | 11.86M |
| Other Assets | 8.77M | 108.58M | 125.21M | 135.45M | 120.82M | 114.1M | 138.19M | 111.56M | -2.53B |
| Total Current Assets | 13.24M | 76.58M | 73.91M | 110.63M | 117.71M | 96.37M | 121.08M | 118.61M | 2.72B |
| Total Non-Current Assets | 622.28M | 1.31B | 1.47B | 1.53B | 1.76B | 2.16B | 2.47B | 2.75B | 180.37M |
| Total Assets | 635.52M▲ 0% | 1.38B▲ 117.4% | 1.54B▲ 11.6% | 1.64B▲ 6.5% | 1.87B▲ 14.0% | 2.26B▲ 20.7% | 2.59B▲ 14.5% | 2.87B▲ 10.8% | 2.96B▲ 3.0% |
| Asset Growth % | -7.81% | 117.43% | 11.57% | 6.53% | 14.04% | 20.65% | 14.51% | 10.85% | 3.03% |
| Return on Assets (ROA) | 0.04% | -2.48% | -0.12% | -2.18% | 3.08% | 2.12% | 2.27% | 1.32% | 1.48% |
| Accounts Payable | 8.2M | 22.64M | 18.55M | 17.57M | 16.91M | 25.56M | 35.13M | 30M | 0 |
| Total Debt | 327.62M | 213.99M | 227.66M | 254.07M | 231.23M | 229.93M | 253.06M | 288.59M | 316.28M |
| Net Debt | 314.93M | 190.15M | 212.93M | 202.33M | 169.74M | 196.76M | 200.47M | 190.35M | 114.71M |
| Long-Term Debt | 327.62M | 158.81M | 174.61M | 153.72M | 219.97M | 214.32M | 235.54M | 232.16M | 215.99M |
| Short-Term Debt | 0 | 55.18M | 38.22M | 87.33M | 0 | 5M | 8M | 49M | 95.25M |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.11B |
| Total Current Liabilities | 8.2M | 925.86M | 1.01B | 1.17B | 1.27B | 1.64B | 1.91B | 2.17B | 100.29M |
| Total Non-Current Liabilities | 340.16M | 165.78M | 196.69M | 165.54M | 247.24M | 249.48M | 263.77M | 258.28M | 2.35B |
| Total Liabilities | 348.36M | 1.09B | 1.21B | 1.34B | 1.52B | 1.89B | 2.18B | 2.43B | 2.45B |
| Total Equity | 287.16M▲ 0% | 290.2M▲ 1.1% | 334.47M▲ 15.3% | 304.56M▼ 8.9% | 355.83M▲ 16.8% | 370.52M▲ 4.1% | 411.77M▲ 11.1% | 438.96M▲ 6.6% | 508.05M▲ 15.7% |
| Equity Growth % | 0.37% | 1.06% | 15.25% | -8.94% | 16.83% | 4.13% | 11.13% | 6.6% | 15.74% |
| Equity / Assets (Capital Ratio) | 45.18% | 21% | 21.7% | 18.54% | 19% | 16.4% | 15.91% | 15.3% | 17.19% |
| Return on Equity (ROE) | 0.1% | -8.68% | -0.56% | -10.89% | 16.39% | 12.07% | 14.08% | 8.43% | 9.09% |
| Book Value per Share | 11.94 | 11.98 | 13.74 | 12.46 | 14.27 | 15.49 | 17.71 | 18.60 | 20.95 |
| Tangible BV per Share | 11.94 | 3.53 | 5.39 | 4.20 | 7.28 | 8.26 | 10.34 | 11.40 | 14.00 |
| Common Stock | 273K | 274K | 276K | 278K | 281K | 287K | 291K | 293K | 296K |
| Additional Paid-in Capital | 273.72M | 274.29M | 275.51M | 277.54M | 280.04M | 283.66M | 288.05M | 293.41M | 299.46M |
| Retained Earnings | -65.59M | 13.04M | 11.28M | -23.5M | 30.61M | 66.67M | 103.88M | 130.26M | 162.37M |
| Accumulated OCI | 0 | -82K | 999K | 2.01M | 1.03M | -3.35M | -3.7M | -3.65M | -2.38M |
| Treasury Stock | -24.92M | -24.92M | -24.92M | -24.92M | -24.92M | -45.54M | -45.54M | -50.14M | -51.13M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Medallion Financial Corp. (MFIN) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 13.32M | 66.55M | 64.94M | 78.71M | 78.73M | 108.74M | 113.76M | 115.51M | 126.28M |
| Operating CF Growth % | -78.37% | 399.52% | -2.43% | 21.21% | 0.03% | 38.12% | 4.62% | 1.54% | 9.32% |
| Net Income | 278K | -22.74M | 2M | -26.91M | 54.11M | 49.89M | 55.08M | 41.92M | 55.34M |
| Depreciation & Amortization | 1.02M | 5.56M | 7.5M | 7.71M | 1.75M | 5.23M | 1.84M | 6.22M | 8.32M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 44.22M | 63.75M | 59.11M | 110.88M | 26.96M | 41M | 64.99M | 77.34M | 67.13M |
| Working Capital Changes | -32.98M | 19.4M | -4.89M | -15.01M | -4.08M | 9.15M | -8.15M | -16.02M | -11.25M |
| Cash from Investing | 0 | -23.7M | -206.51M | -170.96M | -238.32M | -449M | -340.7M | -335.78M | -124.49M |
| Purchase of Investments | 28.37M | -10.38M | -10.51M | -15.58M | -19.35M | -20.71M | -11.57M | -7.74M | -14.83M |
| Sale/Maturity of Investments | 0 | 6.42M | 7.12M | 15.4M | 53.32M | 14.76M | 30.07M | 16.38M | 36.34M |
| Net Investment Activity | 28.37M | -3.96M | -3.39M | -181K | 33.97M | -5.95M | 18.5M | 8.64M | 21.5M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 0 | -19.74M | -203.12M | -170.78M | -272.29M | -443.05M | -359.2M | -344.42M | -146M |
| Cash from Financing | -21.59M | -27.65M | 151.68M | 136.47M | 172.04M | 321.38M | 271.18M | 239.99M | 30.2M |
| Dividends Paid | -145K | -66K | 0 | 0 | 0 | -7.54M | -7.7M | -9.39M | -10.97M |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | -20.62M | 0 | -4.61M | -986K |
| Stock Issued | 0 | 0 | 0 | 0 | 241K | 0 | 442K | 0 | 516K |
| Net Stock Activity | 0 | 0 | 0 | 0 | 241K | -20.62M | 442K | -4.61M | -470K |
| Debt Issuance (Net) | -1000K | 0 | 0 | 0 | 1000K | 0 | 1000K | 1000K | 1000K |
| Other Financing | 0 | -27.59M | 151.68M | 136.47M | -6.52M | 349.54M | -6.82M | -6.73M | 17.14M |
| Net Change in Cash | -8.27M▲ 0% | 15.2M▲ 283.8% | 10.11M▼ 33.5% | 44.22M▲ 337.5% | 9.74M▼ 78.0% | -18.89M▼ 293.9% | 19.42M▲ 202.8% | 19.73M▲ 1.6% | 31.99M▲ 62.2% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | -2.71M | 0 | -24.83M | 0 | 0 |
| Cash at Beginning | 20.96M | 42.51M | 57.71M | 67.82M | 54.74M | 124.48M | 33.17M | 149.84M | 169.57M |
| Cash at End | 12.69M | 57.71M | 67.82M | 112.04M | 64.48M | 105.6M | 52.59M | 169.57M | 201.56M |
| Interest Paid | 11.9M | 25.1M | 32.01M | 31.2M | 0 | 31.98M | 0 | 82.76M | 0 |
| Income Taxes Paid | 62K | 85K | 310K | 104K | 0 | 8.85M | 0 | 22.46M | 0 |
| Free Cash Flow | 13.32M▲ 0% | 66.55M▲ 399.5% | 64.94M▼ 2.4% | 78.71M▲ 21.2% | 78.73M▲ 0.0% | 108.74M▲ 38.1% | 113.76M▲ 4.6% | 115.51M▲ 1.5% | 126.28M▲ 9.3% |
| FCF Growth % | -78.37% | 399.52% | -2.43% | 21.21% | 0.03% | 38.12% | 4.62% | 1.54% | 9.32% |
Medallion Financial Corp. (MFIN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.34% | 0.1% | -8.68% | -0.56% | -10.89% | 16.39% | 12.07% | 14.08% | 8.43% | 9.09% |
| Return on Assets (ROA) | 3.41% | 0.04% | -2.48% | -0.12% | -2.18% | 3.08% | 2.12% | 2.27% | 1.32% | 1.48% |
| Net Interest Margin | 1.25% | 0.58% | 5.24% | 6.33% | 6.75% | 6.82% | 7.1% | 7.27% | 7.06% | 7.34% |
| Efficiency Ratio | 21.73% | 69.5% | 30.96% | 40.01% | 55.74% | 34.36% | 32.42% | 26.61% | 22% | 46.28% |
| Equity / Assets | 41.5% | 45.18% | 21% | 21.7% | 18.54% | 19% | 16.4% | 15.91% | 15.3% | 17.19% |
| Book Value / Share | 11.84 | 11.94 | 11.98 | 13.74 | 12.46 | 14.27 | 15.49 | 17.71 | 18.6 | 20.95 |
| NII Growth | -33.14% | -57.15% | 1858.92% | 34.62% | 13.63% | 15.35% | 25.51% | 17.24% | 7.68% | 7.09% |
| Dividend Payout | 61.96% | 52.16% | - | - | - | - | 17.21% | - | 26.18% | - |
Medallion Financial Corp. (MFIN) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 29, 2026·SEC
Apr 28, 2026·SEC
Apr 3, 2026·SEC
Medallion Financial Corp. (MFIN) stock FAQ — growth, dividends, profitability & financials explained
Medallion Financial Corp. (MFIN) grew revenue by 21.1% over the past year. This is strong growth.
Yes, Medallion Financial Corp. (MFIN) is profitable, generating $46.6M in net income for fiscal year 2025 (12.2% net margin).
Yes, Medallion Financial Corp. (MFIN) pays a dividend with a yield of 4.81%. This makes it attractive for income-focused investors.
Medallion Financial Corp. (MFIN) has a return on equity (ROE) of 9.1%. This is below average, suggesting room for improvement.
Medallion Financial Corp. (MFIN) has a net interest margin (NIM) of 7.3%. This indicates healthy earnings from lending activities.
Medallion Financial Corp. (MFIN) has an efficiency ratio of 46.3%. This is excellent, indicating strong cost control.
Medallion Financial Corp. (MFIN) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates