MFIN trades 26.4% below Wall Street's consensus target of $12.63.
Last 12 months price action with 12-month analyst target path
The base valuation assumes MFIN achieves its forward estimates and maintains a stable P/E multiple of 10.9x. This scenario reflects the blended consensus of 9 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 8, 2026, Medallion Financial Corp. (MFIN) has a Wall Street consensus price target of $12.63, based on estimates from 9 covering analysts. With the stock currently trading at $9.99, this represents a potential upside of +26.4%. The company has a market capitalization of $231M.
Analyst price targets range from a low of $12.00 to a high of $13.25, representing a 10% spread in expectations. The median target of $12.63 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 3 analysts rating the stock as a Buy or Strong Buy,6 rating it Hold, and 0 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.
From a valuation perspective, MFIN trades at a trailing P/E of 8.8x and forward P/E of 10.9x. Analysts expect EPS to grow -37.7% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $12.27, with bear and bull scenarios of $7.73 and $16.16 respectively. Model confidence stands at 45/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 ENVAEnova International, Inc. | $4.3B | $172.48 | $254.60 | +47.6% | Buy | 10.0x | 10 |
 WRLDWorld Acceptance Corporation | $695M | $149.08 | — | — | Hold | 21.1x | 10 |
 PRAAPRA Group, Inc. | $493M | $12.92 | $25.00 | +93.5% | Hold | 3.9x | 13 |
 ECPGEncore Capital Group, Inc. | $2.4B | $114.14 | $124.00 | +8.6% | Buy | 8.4x | 15 |
 MGYRMagyar Bancorp, Inc. | $142M | $21.90 | — | — | — | — | — |
 OMFOneMain Holdings, Inc. | $6.5B | $56.09 | $65.25 | +16.3% | Buy | 8.6x | 31 |
 CACCCredit Acceptance Corporation | $5.5B | $529.56 | $500.00 | -5.6% | Hold | 10.7x | 18 |
 ALLYAlly Financial Inc. | $11.6B | $38.17 | $47.50 | +24.4% | Buy | 7.6x | 38 |
 NAVINavient Corporation | $791M | $8.42 | $10.75 | +27.7% | Hold | 10.7x | 24 |
 ATLCAtlanticus Holdings Corporation | $1.4B | $91.23 | $136.40 | +49.5% | Buy | 9.2x | 7 |
Quick answers to the most common questions about buying MFIN stock.
The consensus Wall Street price target for MFIN is $12.63, representing 26.4% upside from the current price of $9.99. With 9 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
MFIN has a consensus rating of "Hold" based on 9 Wall Street analysts. The rating breakdown is mixed, with 6 Hold ratings making up the largest segment. The consensus 12-month price target of $12.63 implies 26.4% upside from current levels.
With a forward P/E of 10.8587x, MFIN trades at a relatively low valuation. The consensus target of $12.63 implies 26.4% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $13.25 for MFIN, while the most conservative target is $12. The consensus of $12.63 represents the median expectation. Our quantitative valuation model projects a bull case target of $16 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
MFIN is moderately covered, with 9 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 3 have Buy ratings, 6 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month MFIN stock forecast based on 9 Wall Street analysts shows a consensus price target of $12.63, with estimates ranging from $12 (bear case) to $13.25 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $12, with bear/bull scenarios of $8/$16.
Our quantitative valuation model calculates MFIN's fair value at $12 (base case), with a bear case of $8 and bull case of $16. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 45/100.
MFIN trades at a forward P/E ratio of 10.9x based on next-twelve-months earnings estimates compared to a trailing P/E of 8.8x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are very optimistic on MFIN, with a "Hold" consensus rating and $12.63 price target (26.4% upside). 3 of 9 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
MFIN analyst price targets range from $12 to $13.25, a 10% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $12.63 consensus represents the middle ground. Our model's $8-$16 range provides an independent fundamental perspective.
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