29 years of historical data (1996–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Medallion Financial Corp. trades at 6.6x earnings, 57% above its 5-year average of 4.2x, sitting at the 25th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a discount of 52%. On a free-cash-flow basis, the stock trades at 2.6x P/FCF, 46% above the 5-year average of 1.8x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $298M | $222M | $229M | $171M | $145M | $120M | $177M | $114M | $85M | $73M | $172M |
| Enterprise Value | $489M | $412M | $429M | $368M | $314M | $322M | $390M | $304M | $400M | $368M | $512M |
| P/E Ratio → | 6.64 | 6.18 | 4.16 | 3.90 | 2.67 | — | 121.17 | — | 353.00 | 3.11 | 5.87 |
| P/S Ratio | 1.02 | 0.76 | 0.90 | 0.86 | 0.81 | 0.79 | 1.25 | 1.02 | 4.37 | 0.70 | 3.09 |
| P/B Ratio | 0.54 | 0.50 | 0.56 | 0.46 | 0.41 | 0.39 | 0.53 | 0.39 | 0.30 | 0.26 | 0.62 |
| P/FCF | 2.58 | 1.92 | 2.01 | 1.57 | 1.84 | 1.52 | 2.73 | 1.71 | 6.37 | 1.19 | — |
| P/OCF | 2.58 | 1.92 | 2.01 | 1.57 | 1.84 | 1.52 | 2.73 | 1.71 | 6.37 | 1.19 | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
Medallion Financial Corp.'s enterprise value stands at 7.1x EBITDA, 47% above its 5-year average of 4.8x. The Financial Services sector median is 11.1x, placing the stock at a 36% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.41 | 1.69 | 1.85 | 1.75 | 2.13 | 2.76 | 2.74 | 20.59 | 3.51 | 9.23 |
| EV / EBITDA | 7.07 | 5.96 | 4.70 | 5.03 | 3.56 | — | 39.64 | — | — | 5.27 | 17.20 |
| EV / EBIT | 7.76 | 6.55 | 4.99 | 5.42 | 3.84 | — | 166.84 | — | — | 5.30 | 17.44 |
| EV / FCF | — | 3.57 | 3.78 | 3.38 | 3.99 | 4.09 | 6.00 | 4.56 | 30.01 | 5.98 | — |
Margins and return-on-capital ratios measuring operating efficiency
Medallion Financial Corp. earns an operating margin of 21.6%, roughly in line with the Financial Services sector average. Operating margins have compressed from 34.2% to 21.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 8.4% is modest, trailing the sector median of 9.1%. ROIC of 6.8% represents adequate returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 43.6% | 43.6% | 60.4% | 66.6% | 80.0% | 31.3% | 41.7% | 21.3% | 29.1% | 87.9% | 83.0% |
| Operating Margin | 21.6% | 21.6% | 33.8% | 34.2% | 45.7% | -24.4% | 1.7% | -9.7% | -40.4% | 66.2% | 52.9% |
| Net Profit Margin | 12.3% | 12.3% | 21.6% | 22.1% | 30.2% | -23.0% | -1.2% | -22.6% | 1.4% | 22.4% | 52.9% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.4% | 8.4% | 14.1% | 12.1% | 16.4% | -10.9% | -0.6% | -8.7% | 0.1% | 8.3% | 10.6% |
| ROA | 1.3% | 1.3% | 2.3% | 2.1% | 3.1% | -2.2% | -0.1% | -2.5% | 0.0% | 3.4% | 4.4% |
| ROIC | 6.8% | 6.8% | 10.2% | 8.6% | 10.7% | -4.9% | 0.3% | -1.4% | -1.0% | 8.3% | 3.6% |
| ROCE | 9.2% | 9.2% | 13.3% | 11.1% | 15.3% | -7.4% | 0.5% | -2.0% | -1.2% | 10.2% | 4.5% |
Solvency and debt-coverage ratios — lower is generally safer
Medallion Financial Corp. carries a Debt/EBITDA ratio of 4.2x, which is highly leveraged (roughly in line with the sector average of 4.1x). Net debt stands at $190M ($289M total debt minus $98M cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.66 | 0.66 | 0.61 | 0.62 | 0.65 | 0.83 | 0.68 | 0.74 | 1.14 | 1.10 | 1.34 |
| Debt / EBITDA | 4.17 | 4.17 | 2.77 | 3.15 | 2.62 | — | 23.15 | — | — | 4.52 | 12.47 |
| Net Debt / Equity | — | 0.43 | 0.49 | 0.53 | 0.48 | 0.66 | 0.64 | 0.66 | 1.10 | 1.03 | 1.22 |
| Net Debt / EBITDA | 2.75 | 2.75 | 2.20 | 2.69 | 1.92 | — | 21.65 | — | — | 4.22 | 11.43 |
| Debt / FCF | — | 1.65 | 1.76 | 1.81 | 2.16 | 2.57 | 3.28 | 2.86 | 23.64 | 4.79 | — |
| Interest Coverage | 0.71 | 0.71 | 1.37 | 1.88 | 2.63 | -1.08 | 0.07 | -0.38 | -0.57 | 5.49 | 3.12 |
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.05x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.05 | 0.05 | 0.06 | 0.06 | 0.09 | 0.09 | 0.07 | 0.08 | 1.61 | 2.62 | 4.97 |
| Quick Ratio | 0.05 | 0.05 | 0.06 | 0.06 | 0.09 | 0.09 | 0.07 | 0.08 | 1.61 | 2.62 | 4.97 |
| Cash Ratio | 0.05 | 0.05 | 0.03 | 0.02 | 0.05 | 0.04 | 0.01 | 0.03 | 1.55 | 2.52 | 4.81 |
| Asset Turnover | — | 0.10 | 0.10 | 0.09 | 0.10 | 0.09 | 0.09 | 0.08 | 0.03 | 0.15 | 0.08 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Medallion Financial Corp. returns 5.5% to shareholders annually — split between a 3.9% dividend yield and 1.5% buyback yield. The payout ratio of 26.2% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 15.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.9% | 4.2% | 3.4% | 4.4% | — | — | — | 0.1% | 0.2% | 20.0% | 14.2% |
| Payout Ratio | 26.2% | 26.2% | — | 17.2% | — | — | — | — | 52.2% | 62.0% | 83.0% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 15.1% | 16.2% | 24.1% | 25.6% | 37.4% | — | 0.8% | — | 0.3% | 32.1% | 17.0% |
| FCF Yield | 38.7% | 52.1% | 49.7% | 63.7% | 54.4% | 65.7% | 36.7% | 58.6% | 15.7% | 84.4% | — |
| Buyback Yield | 1.5% | 2.1% | 0.0% | 12.1% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 2.1% | 1.9% |
| Total Shareholder Yield | 5.5% | 6.3% | 3.4% | 16.5% | 0.0% | 0.0% | 0.0% | 0.1% | 0.2% | 22.0% | 16.1% |
| Shares Outstanding | — | $24M | $23M | $24M | $25M | $24M | $24M | $24M | $24M | $24M | $24M |
Compare MFIN with 7 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| MFINYou | $298M | 6.6 | 7.1 | 2.6 | 43.6% | 21.6% | 8.4% | 6.8% | 4.2 |
| IX | $39B | 18.1 | 15.3 | 5.2 | 41.8% | 11.5% | 8.6% | 2.4% | 8.6 |
| ALLY | $12B | 16.6 | 12.2 | — | 52.0% | 8.6% | 5.8% | 2.2% | 11.1 |
| CACC | $5B | 23.8 | 30.4 | 4.6 | 62.4% | 15.2% | 14.2% | 3.3% | 18.0 |
| ANTA | $208M | 46.2 | 152.6 | — | 37.8% | 6.7% | 14.9% | 0.6% | 102.2 |
| CPSS | $179M | 10.3 | 113.1 | 0.8 | 52.7% | 7.0% | 6.8% | 0.7% | 111.6 |
| LPRO | $157M | -1.2 | — | 9.0 | 0.7% | -272.1% | -95.2% | -17.0% | — |
| AIHS | $14M | -3.9 | — | 27.4 | 25.1% | -114.1% | -169.2% | -108.4% | — |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 29 years · Updated daily
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Start ComparisonMedallion Financial Corp.'s current P/E ratio is 6.6x. The historical average is 24.6x. This places it at the 25th percentile of its historical range.
Medallion Financial Corp.'s current EV/EBITDA is 7.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 27.8x.
Medallion Financial Corp.'s return on equity (ROE) is 8.4%. The historical average is 6.3%.
Based on historical data, Medallion Financial Corp. is trading at a P/E of 6.6x. This is at the 25th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Medallion Financial Corp.'s current dividend yield is 3.94% with a payout ratio of 26.2%.
Medallion Financial Corp. has 43.6% gross margin and 21.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Medallion Financial Corp.'s Debt/EBITDA ratio is 4.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.