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MFIN logoMedallion Financial Corp.(MFIN)Earnings, Financials & Key Ratios

MFIN•NASDAQ•Banking & Credit
$9.41
$221M mkt cap·5.3× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryAuto and Specialty Asset Finance
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$217M+7.1%
  • Total Revenue$353M+21.1%
  • Net Income$43M+20.0%
  • Return on Equity9.09%+7.8%
  • Net Interest Margin7.34%+3.9%
  • Efficiency Ratio46.28%+110.4%
  • ROA1.48%+12.4%
  • Equity / Assets17.19%+12.3%
  • Book Value per Share20.95+12.7%
  • Tangible BV/Share14.00+22.9%
  • Debt/Equity0.62-5.3%
Technical→

MFIN Key Insights

Medallion Financial Corp. (MFIN) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Strong NIM of 7.3%
  • ✓Efficient operations: 46.3% efficiency ratio
  • ✓Well capitalized: 17.2% equity/assets
  • ✓Healthy dividend yield of 4.8%
  • ✓Trading at only 0.4x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

MFIN Price & Volume

Medallion Financial Corp. (MFIN) stock price & volume — 10-year historical chart

Loading chart...

MFIN Growth Metrics

Medallion Financial Corp. (MFIN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years20.33%
5 Years18.48%
3 Years21.2%
TTM-

Profit CAGR

10 Years3.89%
5 Years-
3 Years-0.61%
TTM29.77%

EPS CAGR

10 Years4.02%
5 Years-
3 Years-0.92%
TTM17.11%

Return on Capital

10 Years5.89%
5 Years11.77%
3 Years10.83%
Last Year10.04%

MFIN Recent Earnings

Medallion Financial Corp. (MFIN) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 29, 2026
EPS
$0.20
Est $0.25
-20.0%
Revenue
$54M
Est $56M
-3.7%
Q1 2026
Feb 18, 2026
EPS
$0.50
Est $0.41
+22.0%
Revenue
$56M
Est $56M
+0.9%
Q4 2025
Oct 29, 2025
EPS
$0.46
Est $0.29
+58.6%
Revenue
$54M
Est $56M
-3.5%
Q3 2025
Jul 30, 2025
EPS
$0.46
Est $0.30
+53.3%
Revenue
$58M
Est $56M
+4.2%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$0.20vs $0.25-20.0%
$54Mvs $56M-3.7%
Q1 2026Feb 18, 2026
$0.50vs $0.41+22.0%
$56Mvs $56M+0.9%
Q4 2025Oct 29, 2025
$0.46vs $0.29+58.6%
$54Mvs $56M-3.5%
Q3 2025Jul 30, 2025
$0.46vs $0.30+53.3%
$58Mvs $56M+4.2%
Based on last 12 quarters of dataView full earnings history →

MFIN Peer Comparison

Medallion Financial Corp. (MFIN) competitors in Auto and Specialty Asset Finance — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
ENVA logoENVAEnova International, Inc.Direct Competitor4.22B169.2814.6218.58%9.79%24.88%41.96%3.41
WRLD logoWRLDWorld Acceptance CorporationDirect Competitor711.12M141.158.66-1.46%15.89%10.79%35.22%1.20
PRAA logoPRAAPRA Group, Inc.Direct Competitor834.15M21.38-2.7410.36%-24.6%-25.96%0.03
ECPG logoECPGEncore Capital Group, Inc.Direct Competitor1.83B84.417.7433.89%14.57%26.29%6.93%
MGYR logoMGYRMagyar Bancorp, Inc.Direct Competitor112.72M17.4011.1512.08%16.71%9.18%8.71%0.41
OMF logoOMFOneMain Holdings, Inc.Product Competitor6.45B55.058.399.09%12.54%23.62%48.53%6.67
CACC logoCACCCredit Acceptance CorporationProduct Competitor5.48B525.6714.008.57%18.29%29.39%19.22%4.17
ALLY logoALLYAlly Financial Inc.Product Competitor13.33B43.2118.23-25.75%7.01%5.5%1.40

Compare MFIN vs Peers

Medallion Financial Corp. (MFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ENVA

Most directly comparable listed peer for MFIN.

Scale Benchmark

vs UBER

Larger-name benchmark to compare MFIN against a more recognizable public peer.

Peer Set

Compare Top 5

vs ENVA, WRLD, PRAA, ECPG

MFIN Income Statement

Medallion Financial Corp. (MFIN) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income3.7M72.44M97.52M110.81M127.83M160.44M188.09M202.53M216.89M
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 Income17.47M100.81M132.56M144.96M158.97M196.62M251.04M290.7M315.32M
Interest Expense13.77M28.37M35.05M34.15M31.14M36.19M62.95M88.17M98.43M
Loan Loss Provision059.01M47.39M69.82M4.62M30.06M37.81M76.5M-86.93M
Non-Interest Income1.95M10.22M8.73M6.4M20.24M1.81M3.47M1.09M37.99M
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 Expense13.49M34.38M56.53M84.37M61.57M64.34M67.72M64.18M163.5M
Efficiency Ratio69.5%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-728K373K341K-10.07M24.22M17.96M24.91M21.01M24.54M
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-22.74M2M-26.91M57.65M49.89M61.13M41.92M55.34M
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)0.01-1.030.06-1.422.201.862.451.591.89
Diluted Shares Outstanding24.05M24.21M24.34M24.45M24.94M23.93M23.25M23.61M24.25M

MFIN Balance Sheet

Medallion Financial Corp. (MFIN) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments12.69M69.17M63.73M98.53M106.25M81.66M106.87M101.17M261.75M
Cash & Due from Banks12.69M23.84M14.73M51.74M61.48M33.17M52.59M98.24M201.56M
Short Term Investments045.32M49M46.79M44.77M48.49M54.28M2.93M60.18M
Total Investments613.28M1.04B1.17B1.23B1.49B1.91B2.2B2.46B2.59B
Investments Growth %105.62%68.93%13.3%4.68%21.52%28.04%14.93%11.85%5.3%
Long-Term Investments613.28M990.68M1.12B1.18B1.45B1.86B2.14B2.45B2.53B
Accounts Receivables547K7.41M8.66M10.34M10.62M12.61M13.54M15.31M2.46B
Goodwill & Intangibles0204.78M203.34M201.89M174.28M172.84M171.39M169.95M168.5M
Goodwill0150.8M150.8M150.8M150.8M150.8M150.8M150.8M150.8M
Intangible Assets053.98M52.54M51.09M23.48M22.04M20.59M19.15M17.7M
PP&E (Net)235K1.22M14.38M12.4M11.76M13.17M14.08M13.76M11.86M
Other Assets8.77M108.58M125.21M135.45M120.82M114.1M138.19M111.56M-2.53B
Total Current Assets13.24M76.58M73.91M110.63M117.71M96.37M121.08M118.61M2.72B
Total Non-Current Assets622.28M1.31B1.47B1.53B1.76B2.16B2.47B2.75B180.37M
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 Payable8.2M22.64M18.55M17.57M16.91M25.56M35.13M30M0
Total Debt327.62M213.99M227.66M254.07M231.23M229.93M253.06M288.59M316.28M
Net Debt314.93M190.15M212.93M202.33M169.74M196.76M200.47M190.35M114.71M
Long-Term Debt327.62M158.81M174.61M153.72M219.97M214.32M235.54M232.16M215.99M
Short-Term Debt055.18M38.22M87.33M05M8M49M95.25M
Other Liabilities000000002.11B
Total Current Liabilities8.2M925.86M1.01B1.17B1.27B1.64B1.91B2.17B100.29M
Total Non-Current Liabilities340.16M165.78M196.69M165.54M247.24M249.48M263.77M258.28M2.35B
Total Liabilities348.36M1.09B1.21B1.34B1.52B1.89B2.18B2.43B2.45B
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 Share11.9411.9813.7412.4614.2715.4917.7118.6020.95
Tangible BV per Share11.943.535.394.207.288.2610.3411.4014.00
Common Stock273K274K276K278K281K287K291K293K296K
Additional Paid-in Capital273.72M274.29M275.51M277.54M280.04M283.66M288.05M293.41M299.46M
Retained Earnings-65.59M13.04M11.28M-23.5M30.61M66.67M103.88M130.26M162.37M
Accumulated OCI0-82K999K2.01M1.03M-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 Stock000000000

MFIN Cash Flow Statement

Medallion Financial Corp. (MFIN) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations13.32M66.55M64.94M78.71M78.73M108.74M113.76M115.51M126.28M
Operating CF Growth %-78.37%399.52%-2.43%21.21%0.03%38.12%4.62%1.54%9.32%
Net Income278K-22.74M2M-26.91M54.11M49.89M55.08M41.92M55.34M
Depreciation & Amortization1.02M5.56M7.5M7.71M1.75M5.23M1.84M6.22M8.32M
Deferred Taxes000000000
Other Non-Cash Items44.22M63.75M59.11M110.88M26.96M41M64.99M77.34M67.13M
Working Capital Changes-32.98M19.4M-4.89M-15.01M-4.08M9.15M-8.15M-16.02M-11.25M
Cash from Investing0-23.7M-206.51M-170.96M-238.32M-449M-340.7M-335.78M-124.49M
Purchase of Investments28.37M-10.38M-10.51M-15.58M-19.35M-20.71M-11.57M-7.74M-14.83M
Sale/Maturity of Investments06.42M7.12M15.4M53.32M14.76M30.07M16.38M36.34M
Net Investment Activity28.37M-3.96M-3.39M-181K33.97M-5.95M18.5M8.64M21.5M
Acquisitions000000000
Other Investing0-19.74M-203.12M-170.78M-272.29M-443.05M-359.2M-344.42M-146M
Cash from Financing-21.59M-27.65M151.68M136.47M172.04M321.38M271.18M239.99M30.2M
Dividends Paid-145K-66K000-7.54M-7.7M-9.39M-10.97M
Share Repurchases00000-20.62M0-4.61M-986K
Stock Issued0000241K0442K0516K
Net Stock Activity0000241K-20.62M442K-4.61M-470K
Debt Issuance (Net)-1000K0001000K01000K1000K1000K
Other Financing0-27.59M151.68M136.47M-6.52M349.54M-6.82M-6.73M17.14M
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 Effect0000-2.71M0-24.83M00
Cash at Beginning20.96M42.51M57.71M67.82M54.74M124.48M33.17M149.84M169.57M
Cash at End12.69M57.71M67.82M112.04M64.48M105.6M52.59M169.57M201.56M
Interest Paid11.9M25.1M32.01M31.2M031.98M082.76M0
Income Taxes Paid62K85K310K104K08.85M022.46M0
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%

MFIN Banking Ratios

Medallion Financial Corp. (MFIN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin1.25%0.58%5.24%6.33%6.75%6.82%7.1%7.27%7.06%7.34%
Efficiency Ratio21.73%69.5%30.96%40.01%55.74%34.36%32.42%26.61%22%46.28%
Equity / Assets41.5%45.18%21%21.7%18.54%19%16.4%15.91%15.3%17.19%
Book Value / Share11.8411.9411.9813.7412.4614.2715.4917.7118.620.95
NII Growth-33.14%-57.15%1858.92%34.62%13.63%15.35%25.51%17.24%7.68%7.09%
Dividend Payout61.96%52.16%----17.21%-26.18%-

MFIN SEC Filings & Documents

Medallion Financial Corp. (MFIN) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 29, 2026·SEC

Material company update

Apr 28, 2026·SEC

Material company update

Apr 3, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 10, 2026·SEC

FY 2025

Mar 13, 2025·SEC

FY 2024

Mar 7, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 6, 2025·SEC

MFIN Frequently Asked Questions

Medallion Financial Corp. (MFIN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More MFIN

Medallion Financial Corp. (MFIN) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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