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

MFIN•NASDAQ•Banking & Credit

5.4× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryCredit Services Sub-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%

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 4.7%
✓Trading at only 0.5x 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.

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MFIN Price & Volume

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

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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

Metric

Actual

Est

EPS

$0.20-20.0%

$0.25

Rev

$54M-3.7%

$56M

Q1 2026

Feb 18, 2026

Metric

Actual

Est

EPS

$0.50+22.0%

$0.41

Rev

$56M+0.9%

$56M

Q4 2025

Oct 29, 2025

Metric

Actual

Est

EPS

$0.46+58.6%

$0.29

Rev

$54M-3.5%

$56M

Q3 2025

Jul 30, 2025

Metric

Actual

Est

EPS

$0.46+53.3%

$0.30

Rev

$58M+4.2%

$56M

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%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
ENVAEnova International, Inc.Direct Competitor	5.05B	202.55	17.49	18.58%	9.95%	24.88%	3.41
WRLDWorld Acceptance CorporationDirect Competitor	896.53M	177.95	10.92	-1.46%	7.46%	10.79%	1.20
PRAAPRA Group, Inc.Direct Competitor	569.83M	14.94	-1.92	10.36%	-21.88%	-25%	0.03
ECPGEncore Capital Group, Inc.Direct Competitor	1.78B	83.05	7.61	33.89%	16.02%	30.7%	4.23
MGYRMagyar Bancorp, Inc.Direct Competitor	117.58M	18.15	11.63	12.08%	18.05%	9.18%	0.41
OMFOneMain Holdings, Inc.Product Competitor	6.82B	58.18	8.87	9.09%	16.12%	23.62%	6.67
CACCCredit Acceptance CorporationProduct Competitor	6.04B	579.73	15.44	8.57%	19.61%	29.39%	4.17
ALLYAlly Financial Inc.Product Competitor	14.3B	45.49	19.19	-25.75%	5.61%	5.74%	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

Metric	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

MFIN Balance Sheet

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

Metric	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

MFIN Cash Flow Statement

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

Metric	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%

MFIN Banking Ratios

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%	-

MFIN SEC Filings & Documents

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

8-K Announcements

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

FY 2026

Mar 10, 2026·SEC

FY 2025

Mar 13, 2025·SEC

FY 2024

Mar 7, 2024·SEC

10-Q Quarterly Reports

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 4.75%. 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.

What if you invested $1,000 in MFIN back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in MFIN be worth today?

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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%

Metric

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

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

-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

Metric

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

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

204.78M

203.34M

201.89M

174.28M

172.84M

171.39M

169.95M

168.5M

Goodwill

150.8M

Intangible Assets

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

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

55.18M

38.22M

87.33M

49M

95.25M

Other Liabilities

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

-82K

999K

2.01M

1.03M

-3.35M

-3.7M

-3.65M

-2.38M

Treasury Stock

-24.92M

-45.54M

-50.14M

-51.13M

Preferred Stock

Metric

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

-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

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

-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

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

Other Investing

-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

-7.54M

-7.7M

-9.39M

-10.97M

Share Repurchases

-20.62M

-4.61M

-986K

Stock Issued

241K

442K

516K

Net Stock Activity

241K

-20.62M

442K

-4.61M

-470K

Debt Issuance (Net)

-1000K

1000K

Other Financing

-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

-2.71M

-24.83M

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

31.98M

82.76M

Income Taxes Paid

62K

85K

310K

104K

8.85M

22.46M

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%

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)Earnings, Financials & Key Ratios

MFIN Key Insights

✓Strengths

✗Weaknesses

MFIN Price & Volume

MFIN Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

MFIN Recent Earnings

MFIN Peer Comparison

Compare MFIN vs Peers

vs ENVA

vs UBER

Compare Top 5

MFIN Income Statement

MFIN Balance Sheet

MFIN Cash Flow Statement

MFIN Banking Ratios

MFIN SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

MFIN Frequently Asked Questions

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

MFIN Key Insights

✓Strengths

✗Weaknesses

MFIN Price & Volume

MFIN Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

MFIN Recent Earnings

MFIN Peer Comparison

Compare MFIN vs Peers

vs ENVA

vs UBER

Compare Top 5

MFIN Income Statement

MFIN Balance Sheet

MFIN Cash Flow Statement

MFIN Banking Ratios

MFIN SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

MFIN Frequently Asked Questions