Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Medallion Financial Corp.'s quarterly P/E stands at 5.1x, down 5.8% year-over-year. EV/EBITDA has compressed 60.7% YoY to 2.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 5.35 | 5.14 | 7.89 | 5.18 | 4.36 | 5.46 | 5.50 | 6.40 | 4.71 | 4.10 | 3.66 | 3.19 | 2.86 |
| — | -5.8% | +43.5% | -19.1% | -7.5% | +33.0% | +50.4% | +100.7% | +64.5% | +31.1% | -33.3% | +7.6% | -47.5% | |
| P/S Ratio | 0.63 | 0.66 | 0.78 | 0.70 | 0.63 | 0.67 | 0.66 | 0.67 | 0.67 | 0.86 | 0.62 | 0.76 | 0.81 |
| — | -1.4% | +18.3% | +4.4% | -6.2% | -21.9% | +6.0% | -11.8% | -17.1% | +9.8% | -28.1% | -0.3% | -36.3% | |
| P/B Ratio | 0.45 | 0.50 | 0.50 | 0.43 | 0.46 | 0.51 | 0.44 | 0.43 | 0.45 | 0.57 | 0.41 | 0.47 | 0.47 |
| — | -2.0% | +12.2% | +0.7% | +3.0% | -10.6% | +7.1% | -8.6% | -4.2% | +29.8% | -9.9% | +8.2% | -20.2% | |
| P/FCF | 1.78 | 1.87 | 0.92 | — | 1.44 | 1.97 | 1.75 | 1.63 | 1.46 | 2.98 | 1.14 | 1.55 | 1.51 |
| — | -4.7% | -47.4% | — | -1.5% | -34.1% | +52.9% | +5.1% | -3.7% | +118.7% | -23.5% | +6.2% | -30.0% | |
| EV / EBITDA | 1.90 | 2.00 | 5.53 | 4.28 | 4.42 | 5.09 | 5.67 | 6.72 | 5.19 | 4.62 | 4.48 | 3.96 | 3.87 |
| — | -60.7% | -2.5% | -36.3% | -14.9% | +10.1% | +26.7% | +69.8% | +34.1% | +5.3% | -32.7% | -6.5% | -28.7% | |
| EV / EBIT | 1.90 | 2.00 | 6.11 | 4.74 | 4.88 | 5.60 | 6.33 | 7.44 | 5.59 | 4.90 | 4.79 | 4.19 | 4.09 |
| — | -64.2% | -3.5% | -36.3% | -12.8% | +14.1% | +32.3% | +77.8% | +36.8% | +7.3% | -36.2% | -6.7% | -31.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Medallion Financial Corp.'s operating margin was 48.0% in Q4 2025, up 23.4 pp QoQ and up 25.8 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 30.2% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 111.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.7% | 96.9% | 45.0% | 44.4% | 44.3% | 45.8% | 39.6% | 41.6% | 48.1% | 57.0% | 52.2% | 60.6% | 70.1% |
| — | +111.4% | +13.6% | +6.7% | -7.8% | -19.6% | -24.1% | -31.4% | -31.4% | -7.4% | -11.3% | -12.1% | -6.1% | |
| Operating Margin | 50.5% | 48.0% | 24.6% | 23.7% | 24.5% | 22.2% | 19.5% | 18.4% | 25.6% | 32.5% | 29.4% | 35.4% | 42.7% |
| — | +116.2% | +25.7% | +29.2% | -4.2% | -31.7% | -33.6% | -48.1% | -40.2% | -14.2% | +13.9% | -7.3% | +10.7% | |
| Net Margin | 12.2% | 12.7% | 14.2% | 13.5% | 14.5% | 12.2% | 11.9% | 10.5% | 14.3% | 21.0% | 17.0% | 23.7% | 28.2% |
| — | +4.5% | +19.8% | +28.2% | +1.5% | -41.9% | -30.1% | -55.6% | -49.3% | -16.6% | +6.3% | -8.2% | +20.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.1% | 2.4% | 2.2% | 2.3% | 2.7% | 2.3% | 2.0% | 1.7% | 2.4% | 3.5% | 2.9% | 3.7% | 4.1% |
| — | +4.1% | +8.6% | +33.5% | +12.0% | -34.1% | -29.5% | -54.5% | -41.3% | -1.0% | +35.4% | +1.2% | +50.3% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.4% | 0.6% | 0.4% | 0.6% | 0.7% |
| — | +18.1% | +27.8% | +46.4% | +9.1% | -36.6% | -31.0% | -54.6% | -42.2% | -5.0% | +24.9% | -10.8% | +30.0% | |
| ROIC | 17.2% | 4.2% | 1.8% | 1.8% | 2.0% | 1.9% | 1.5% | 1.3% | 2.0% | 2.5% | 2.3% | 2.6% | 2.9% |
| — | +121.9% | +20.1% | +36.5% | +2.1% | -24.7% | -34.0% | -47.4% | -31.6% | +2.6% | +44.9% | +2.6% | +41.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Medallion Financial Corp.'s Debt/EBITDA ratio is 6.9x, down from 14.0x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 49513.3% YoY to 27.10x, strengthening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.62 | 0.62 | 0.61 | 0.55 | 0.71 | 0.66 | 0.67 | 0.65 | 0.64 | 0.61 | 0.62 | 0.66 | 0.60 |
| — | -5.3% | -9.4% | -15.9% | +10.9% | +7.0% | +8.2% | -0.8% | +6.7% | -1.0% | -3.2% | +3.8% | -6.0% | |
| Debt / EBITDA | 1.77 | 6.88 | 14.02 | 13.58 | 14.24 | 14.20 | 18.25 | 20.15 | 13.86 | 10.76 | 11.82 | 11.43 | 9.15 |
| — | -51.5% | -23.2% | -32.6% | +2.8% | +32.0% | +54.5% | +76.4% | +51.4% | -4.2% | -28.5% | +3.4% | -29.3% | |
| Current Ratio | 27.10 | 27.10 | 0.04 | 27.92 | 0.07 | 0.05 | 0.06 | 0.05 | 0.04 | 0.06 | 0.03 | 0.05 | 0.02 |
| — | +49513.3% | -32.4% | +54489.8% | +84.9% | -13.7% | +124.8% | -0.3% | +96.2% | +7.7% | +6.2% | +64.3% | -62.6% | |
| Quick Ratio | 27.10 | 27.10 | 0.04 | 27.92 | 0.07 | 0.05 | 0.06 | 0.05 | 0.04 | 0.06 | 0.03 | 0.05 | 0.02 |
| — | +49513.3% | -32.4% | +54489.8% | +84.9% | -13.7% | +124.8% | -0.3% | +96.2% | +7.7% | +6.2% | +64.3% | -62.6% | |
| Interest Coverage | 1.81 | 1.82 | 0.78 | 0.81 | 0.84 | 0.75 | 0.60 | 0.59 | 0.93 | 1.19 | 1.14 | 1.41 | 1.90 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying MFIN stock.
Medallion Financial Corp.'s current P/E is 5.4x. The average P/E over the last 4 quarters is 5.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Medallion Financial Corp.'s current operating margin is 50.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Medallion Financial Corp.'s business trajectory between earnings reports.