Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.75 | 29.73 | 8.23 | 10.70 | 5.14 | 7.89 | 5.18 | 4.36 | 5.46 | 5.50 | 6.40 | 4.71 | 4.10 | 3.66 | 3.19 | 2.86 | 3.13 | 5.48 | 2.96 | 5.45 | 1.86 |
| — | +276.7% | +59.0% | +145.7% | -5.8% | +43.5% | -19.1% | -7.5% | +33.0% | +50.4% | +100.7% | +64.5% | +31.1% | -33.3% | +7.6% | -47.5% | +68.5% | +79.1% | -45.2% | +5.1% | -60.5% | |
| P/S Ratio | 0.92 | 1.14 | 1.00 | 0.93 | 0.90 | 1.14 | 0.99 | 0.89 | 0.95 | 0.98 | 0.97 | 0.92 | 1.18 | 0.84 | 1.01 | 1.04 | 0.99 | 1.08 | 0.90 | 1.54 | 0.77 |
| — | -0.1% | +1.8% | +4.9% | -5.6% | +16.6% | +2.1% | -4.0% | -19.4% | +16.6% | -4.5% | -11.5% | +19.1% | -22.6% | +11.9% | -32.3% | +29.3% | -14.1% | -45.7% | +1.1% | -20.6% | |
| P/B Ratio | 0.48 | 0.51 | 0.49 | 0.41 | 0.50 | 0.50 | 0.43 | 0.46 | 0.51 | 0.44 | 0.43 | 0.45 | 0.57 | 0.41 | 0.47 | 0.47 | 0.44 | 0.46 | 0.43 | 0.59 | 0.41 |
| — | +2.7% | +14.3% | -10.7% | -2.0% | +12.2% | +0.7% | +3.0% | -10.6% | +7.1% | -8.6% | -4.2% | +29.8% | -9.9% | +8.2% | -20.2% | +7.7% | -20.7% | -37.1% | +4.7% | +3.3% | |
| P/FCF | 1.68 | 1.58 | 3.55 | 1.27 | 1.87 | 0.92 | — | 1.44 | 1.97 | 1.75 | 1.63 | 1.46 | 2.98 | 1.14 | 1.55 | 1.51 | 1.36 | 1.50 | 1.46 | 2.16 | 2.16 |
| — | +71.1% | — | -11.4% | -4.7% | -47.4% | — | -1.5% | -34.1% | +52.9% | +5.1% | -3.7% | +118.7% | -23.5% | +6.2% | -30.0% | -36.8% | -32.3% | -50.5% | +3.8% | +59.5% | |
| EV / EBITDA | 2.04 | 2.68 | 2.21 | 2.47 | 1.92 | 5.53 | 4.28 | 4.42 | 5.09 | 5.67 | 6.72 | 5.19 | 4.62 | 4.48 | 3.96 | 3.87 | 4.39 | 6.65 | 4.23 | 5.43 | 2.70 |
| — | -51.5% | -48.3% | -44.2% | -62.3% | -2.5% | -36.3% | -14.9% | +10.1% | +26.7% | +69.8% | +34.1% | +5.3% | -32.7% | -6.5% | -28.7% | +62.6% | +61.8% | -16.4% | -16.9% | -55.0% | |
| EV / EBIT | 1.94 | 2.76 | 2.33 | 2.60 | 2.00 | 6.11 | 4.74 | 4.88 | 5.60 | 6.33 | 7.44 | 5.59 | 4.90 | 4.79 | 4.19 | 4.09 | 4.57 | 7.50 | 4.49 | 5.98 | 2.82 |
| — | -54.9% | -50.9% | -46.6% | -64.2% | -3.5% | -36.3% | -12.8% | +14.1% | +32.3% | +77.8% | +36.8% | +7.3% | -36.2% | -6.7% | -31.6% | +62.3% | +73.1% | -23.0% | -16.9% | -62.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 134.1% | 139.6% | 133.6% | 134.5% | 131.6% | 65.8% | 62.8% | 62.5% | 65.0% | 58.8% | 60.1% | 66.2% | 78.3% | 70.4% | 81.0% | 90.4% | 78.0% | 73.7% | 82.1% | 90.6% | 94.4% |
| — | +112.2% | +112.8% | +115.3% | +102.6% | +11.9% | +4.4% | -5.6% | -17.0% | -16.5% | -25.8% | -26.8% | +0.4% | -4.5% | -1.3% | -0.2% | -17.4% | -27.0% | -19.6% | +1.3% | -14.9% | |
| Operating Margin | 70.0% | 60.8% | 67.4% | 64.9% | 65.1% | 35.9% | 33.6% | 34.5% | 31.4% | 29.0% | 26.6% | 35.2% | 44.6% | 39.7% | 47.3% | 55.1% | 47.9% | 32.4% | 45.5% | 46.8% | 59.1% |
| — | +69.3% | +100.6% | +88.0% | +107.1% | +23.8% | +26.4% | -1.9% | -29.5% | -26.9% | -43.8% | -36.2% | -6.9% | +22.6% | +4.1% | +17.7% | -18.9% | -45.0% | -16.7% | +4.0% | +70.1% | |
| Net Margin | 16.9% | 3.9% | 12.1% | 8.8% | 17.3% | 20.8% | 19.1% | 20.5% | 17.3% | 17.6% | 15.2% | 19.7% | 28.8% | 22.9% | 31.7% | 36.4% | 31.9% | 20.0% | 30.8% | 28.5% | 41.2% |
| — | -81.4% | -36.9% | -57.2% | +0.1% | +18.1% | +25.4% | +3.9% | -40.1% | -23.1% | -52.0% | -45.9% | -9.6% | +14.4% | +3.1% | +27.9% | -22.7% | -51.2% | -0.6% | -2.9% | +98.2% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.1% | 0.5% | 1.5% | 1.0% | 2.4% | 2.2% | 2.3% | 2.7% | 2.3% | 2.0% | 1.7% | 2.4% | 3.5% | 2.9% | 3.7% | 4.1% | 3.6% | 2.1% | 3.7% | 2.7% | 5.6% |
| — | -79.3% | -34.8% | -64.0% | +4.1% | +8.6% | +33.5% | +12.0% | -34.1% | -29.5% | -54.5% | -41.3% | -1.0% | +35.4% | +1.2% | +50.3% | -36.2% | -56.2% | +13.4% | +0.3% | +160.9% | |
| ROA | 1.5% | 0.1% | 0.2% | 0.2% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.4% | 0.6% | 0.4% | 0.6% | 0.7% | 0.6% | 0.4% | 0.7% | 0.5% | 1.1% |
| — | -81.3% | -37.3% | -60.1% | +18.1% | +27.8% | +46.4% | +9.1% | -36.6% | -31.0% | -54.6% | -42.2% | -5.0% | +24.9% | -10.8% | +30.0% | -44.7% | -60.6% | +8.9% | +1.3% | +165.7% | |
| ROIC | 17.2% | 3.2% | 3.8% | 3.4% | 4.2% | 1.8% | 1.8% | 2.0% | 1.9% | 1.5% | 1.3% | 2.0% | 2.5% | 2.3% | 2.6% | 2.9% | 2.5% | 1.6% | 2.5% | 2.1% | 3.6% |
| — | +76.2% | +109.6% | +69.4% | +121.9% | +20.1% | +36.5% | +2.1% | -24.7% | -34.0% | -47.4% | -31.6% | +2.6% | +44.9% | +2.6% | +41.2% | -31.6% | -48.7% | +3.8% | +20.5% | +140.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.62 | 0.68 | 0.68 | 0.52 | 0.62 | 0.61 | 0.55 | 0.71 | 0.66 | 0.67 | 0.65 | 0.64 | 0.61 | 0.62 | 0.66 | 0.60 | 0.62 | 0.64 | 0.64 | 0.64 | 0.65 |
| — | +12.4% | +24.4% | -26.2% | -5.3% | -9.4% | -15.9% | +10.9% | +7.0% | +8.2% | -0.8% | +6.7% | -1.0% | -3.2% | +3.8% | -6.0% | -4.5% | -6.4% | -11.9% | -25.4% | -22.1% | |
| Debt / EBITDA | 1.69 | 9.75 | 7.89 | 6.86 | 6.59 | 14.02 | 13.58 | 14.24 | 14.20 | 18.25 | 20.15 | 13.86 | 10.76 | 11.82 | 11.43 | 9.15 | 11.23 | 16.54 | 11.05 | 12.95 | 7.93 |
| — | -30.5% | -41.8% | -51.8% | -53.6% | -23.2% | -32.6% | +2.8% | +32.0% | +54.5% | +76.4% | +51.4% | -4.2% | -28.5% | +3.4% | -29.3% | +41.6% | +72.3% | -0.9% | -30.7% | -58.0% | |
| Current Ratio | 27.10 | 35.24 | 50.49 | 0.05 | 27.10 | 0.04 | 27.92 | 0.07 | 0.05 | 0.06 | 0.05 | 0.04 | 0.06 | 0.03 | 0.05 | 0.02 | 0.06 | 0.03 | 0.03 | 0.05 | 0.09 |
| — | +82867.2% | +80.9% | -22.8% | +49513.3% | -32.4% | +54489.8% | +84.9% | -13.7% | +124.8% | -0.3% | +96.2% | +7.7% | +6.2% | +64.3% | -62.6% | -36.6% | -63.3% | -59.1% | -49.8% | -1.8% | |
| Quick Ratio | 27.10 | 35.24 | 50.49 | 0.05 | 27.10 | 0.04 | 27.92 | 0.07 | 0.05 | 0.06 | 0.05 | 0.04 | 0.06 | 0.03 | 0.05 | 0.02 | 0.06 | 0.03 | 0.03 | 0.05 | 0.09 |
| — | +82867.2% | +80.9% | -22.8% | +49513.3% | -32.4% | +54489.8% | +84.9% | -13.7% | +124.8% | -0.3% | +96.2% | +7.7% | +6.2% | +64.3% | -62.6% | -36.6% | -63.3% | -59.1% | -49.8% | -1.8% | |
| Interest Coverage | 1.81 | 1.23 | 1.53 | 1.46 | 1.82 | 0.78 | 0.81 | 0.84 | 0.75 | 0.60 | 0.59 | 0.93 | 1.19 | 1.14 | 1.41 | 1.90 | 1.80 | 1.28 | 2.39 | 2.19 | 3.76 |
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Includes 30+ ratios · 48 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 8.8x. The average P/E over the last 4 quarters is 13.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Medallion Financial Corp.'s current operating margin is 70.0%. Margins have been compressing 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.