Medallion Financial Corp. (MFIN) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
1.89
↓-56% vs avg
5yr avg: 4.26
30Y Low2.0·High59.4
P/FCF
↑
1.75
-6% vs avg
5yr avg: 1.86
30Y Low1.2·High104.8
P/B Ratio
↑
0.45
-7% vs avg
5yr avg: 0.48
30Y Low0.3·High2.2
ROE
↓
9.1%
↑-24% vs avg
5yr avg: 12.0%
30Y Low-11%·High16%
Debt/EBITDA
↓
1.77
↓-39% vs avg
5yr avg: 2.90
30Y Low1.8·High39.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
MFIN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Medallion Financial Corp. trades at 5.3x earnings, 16% above its 5-year average of 4.5x, sitting at the 16th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 60%. On a free-cash-flow basis, the stock trades at 1.8x P/FCF, 6% below the 5-year average of 1.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $221M | $250M | $222M | $229M | $171M | $145M | $120M | $177M | $114M | $85M | $73M |
| Enterprise Value | $336M | $364M | $412M | $429M | $368M | $314M | $322M | $390M | $304M | $400M | $368M |
| P/E Ratio → | 5.29 | 5.78 | 6.18 | 4.16 | 3.90 | 2.67 | — | 121.17 | — | 353.00 | 3.11 |
| P/S Ratio | 0.63 | 0.71 | 0.76 | 0.90 | 0.86 | 0.81 | 0.79 | 1.25 | 1.02 | 4.37 | 0.70 |
| P/B Ratio | 0.45 | 0.49 | 0.50 | 0.56 | 0.46 | 0.41 | 0.39 | 0.53 | 0.39 | 0.30 | 0.26 |
| P/FCF | 1.75 | 1.98 | 1.92 | 2.01 | 1.57 | 1.84 | 1.52 | 2.73 | 1.71 | 6.37 | 1.19 |
| P/OCF | 1.75 | 1.98 | 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
MFIN EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Medallion Financial Corp.'s enterprise value stands at 1.9x EBITDA, 56% below its 5-year average of 4.3x. The Financial Services sector median is 11.4x, placing the stock at a 83% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.03 | 1.41 | 1.69 | 1.85 | 1.75 | 2.13 | 2.76 | 2.74 | 20.59 | 3.51 |
| EV / EBITDA | 1.89 | 2.04 | 5.96 | 4.70 | 5.03 | 3.56 | — | 39.64 | — | — | 5.27 |
| EV / EBIT | 1.89 | 2.04 | 6.55 | 4.99 | 5.42 | 3.84 | — | 166.84 | — | — | 5.30 |
| EV / FCF | — | 2.88 | 3.57 | 3.78 | 3.38 | 3.99 | 4.09 | 6.00 | 4.56 | 30.01 | 5.98 |
MFIN Profitability
Margins and return-on-capital ratios measuring operating efficiency
Medallion Financial Corp. earns an operating margin of 50.5%, significantly above the Financial Services sector average of 21.2%. Operating margins have expanded from 33.8% to 50.5% over the past 3 years, signaling improving operational efficiency. ROE of 9.1% is modest, trailing the sector median of 9.4%. ROIC of 17.2% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.7% | 96.7% | 43.6% | 60.4% | 66.6% | 80.0% | 31.3% | 41.7% | 21.3% | 29.1% | 87.9% |
| Operating Margin | 50.5% | 50.5% | 21.6% | 33.8% | 34.2% | 45.7% | -24.4% | 1.7% | -9.7% | -40.4% | 66.2% |
| Net Profit Margin | 12.2% | 12.2% | 12.3% | 21.6% | 22.1% | 30.2% | -23.0% | -1.2% | -22.6% | 1.4% | 22.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.1% | 9.1% | 8.4% | 14.1% | 12.1% | 16.4% | -10.9% | -0.6% | -8.7% | 0.1% | 8.3% |
| ROA | 1.5% | 1.5% | 1.3% | 2.3% | 2.1% | 3.1% | -2.2% | -0.1% | -2.5% | 0.0% | 3.4% |
| ROIC | 17.2% | 17.2% | 6.8% | 10.2% | 8.6% | 10.7% | -4.9% | 0.3% | -1.4% | -1.0% | 8.3% |
| ROCE | 10.0% | 10.0% | 9.2% | 13.3% | 11.1% | 15.3% | -7.4% | 0.5% | -2.0% | -1.2% | 10.2% |
MFIN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Medallion Financial Corp. carries a Debt/EBITDA ratio of 1.8x, which is manageable (57% below the sector average of 4.1x). Net debt stands at $115M ($316M total debt minus $202M cash). Interest coverage of just 1.8x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.62 | 0.62 | 0.66 | 0.61 | 0.62 | 0.65 | 0.83 | 0.68 | 0.74 | 1.14 | 1.10 |
| Debt / EBITDA | 1.77 | 1.77 | 4.17 | 2.77 | 3.15 | 2.62 | — | 23.15 | — | — | 4.52 |
| Net Debt / Equity | — | 0.23 | 0.43 | 0.49 | 0.53 | 0.48 | 0.66 | 0.64 | 0.66 | 1.10 | 1.03 |
| Net Debt / EBITDA | 0.64 | 0.64 | 2.75 | 2.20 | 2.69 | 1.92 | — | 21.65 | — | — | 4.22 |
| Debt / FCF | — | 0.91 | 1.65 | 1.76 | 1.81 | 2.16 | 2.57 | 3.28 | 2.86 | 23.64 | 4.79 |
| Interest Coverage | 1.81 | 1.81 | 0.71 | 1.37 | 1.88 | 2.63 | -1.08 | 0.07 | -0.38 | -0.57 | 5.49 |
MFIN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Medallion Financial Corp.'s current ratio of 27.10x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.06x to 27.10x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 27.10 | 27.10 | 0.05 | 0.06 | 0.06 | 0.09 | 0.09 | 0.07 | 0.08 | 1.61 | 2.62 |
| Quick Ratio | 27.10 | 27.10 | 0.05 | 0.06 | 0.06 | 0.09 | 0.09 | 0.07 | 0.08 | 1.61 | 2.62 |
| Cash Ratio | 2.01 | 2.01 | 0.05 | 0.03 | 0.02 | 0.05 | 0.04 | 0.01 | 0.03 | 1.55 | 2.52 |
| Asset Turnover | — | 0.12 | 0.10 | 0.10 | 0.09 | 0.10 | 0.09 | 0.09 | 0.08 | 0.03 | 0.15 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
MFIN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Medallion Financial Corp. returns 5.3% to shareholders annually — split between a 4.8% dividend yield and 0.4% buyback yield. The earnings yield of 18.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.8% | 4.4% | 4.2% | 3.4% | 4.4% | — | — | — | 0.1% | 0.2% | 20.0% |
| Payout Ratio | — | — | 26.2% | — | 17.2% | — | — | — | — | 52.2% | 62.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 18.9% | 17.3% | 16.2% | 24.1% | 25.6% | 37.4% | — | 0.8% | — | 0.3% | 32.1% |
| FCF Yield | 57.0% | 50.6% | 52.1% | 49.7% | 63.7% | 54.4% | 65.7% | 36.7% | 58.6% | 15.7% | 84.4% |
| Buyback Yield | 0.4% | 0.4% | 2.1% | 0.0% | 12.1% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 2.1% |
| Total Shareholder Yield | 5.3% | 4.8% | 6.3% | 3.4% | 16.5% | 0.0% | 0.0% | 0.0% | 0.1% | 0.2% | 22.0% |
| Shares Outstanding | — | $24M | $24M | $23M | $24M | $25M | $24M | $24M | $24M | $24M | $24M |
Peer Comparison
Compare MFIN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 MFINYou | $221M | 5.3 | 1.9 | 1.8 | 96.7% | 50.5% | 9.1% | 17.2% | 1.8 |
 ENVA | $4B | 14.9 | 11.3 | 2.4 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
 WRLD | $751M | 9.1 | 7.5 | 3.0 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 PRAA | $819M | -2.7 | 1.7 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 ECPG | $2B | 7.7 | 8.9 | 14.2 | 69.0% | 35.4% | 29.5% | 9.8% | 6.3 |
 MGYR | $113M | 11.2 | 10.5 | 11.5 | 60.3% | 23.6% | 8.5% | 6.7% | 3.3 |
 OMF | $7B | 8.5 | 22.0 | 2.1 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 CACC | $6B | 14.4 | 10.1 | 5.3 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 ALLY | $14B | 18.7 | 12.9 | — | 52.0% | 8.6% | 5.8% | 2.2% | 11.1 |
 NAVI | $821M | -10.8 | 17.8 | 1.9 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 ATLC | $1B | 13.1 | 41.8 | 1.8 | 56.3% | 22.7% | 22.4% | 2.4% | 38.6 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
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Start ComparisonMFIN — Frequently Asked Questions
Quick answers to the most common questions about buying MFIN stock.
What is Medallion Financial Corp.'s P/E ratio?
Medallion Financial Corp.'s current P/E ratio is 5.3x. The historical average is 23.8x. This places it at the 16th percentile of its historical range.
What is Medallion Financial Corp.'s EV/EBITDA?
Medallion Financial Corp.'s current EV/EBITDA is 1.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 26.8x.
What is Medallion Financial Corp.'s ROE?
Medallion Financial Corp.'s return on equity (ROE) is 9.1%. The historical average is 6.4%.
Is MFIN stock overvalued?
Based on historical data, Medallion Financial Corp. is trading at a P/E of 5.3x. This is at the 16th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Medallion Financial Corp.'s dividend yield?
Medallion Financial Corp.'s current dividend yield is 4.81%.
What are Medallion Financial Corp.'s profit margins?
Medallion Financial Corp. has 96.7% gross margin and 50.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Medallion Financial Corp. have?
Medallion Financial Corp.'s Debt/EBITDA ratio is 1.8x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.