MFIN trades 9.0% above Wall Street's consensus target of $10.50.
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 10.0x. 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 September 24, 2026, Medallion Financial Corp. (MFIN) has a Wall Street consensus price target of $10.50, based on estimates from 9 covering analysts. With the stock currently trading at $11.54, this represents a potential downside of -9.0%. The company has a market capitalization of $267M.
Analyst price targets range from a low of $10.50 to a high of $10.50, representing a 0% spread in expectations. The median target of $10.50 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 4 analysts rating the stock as a Buy or Strong Buy,5 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 6.5x and forward P/E of 10.0x. Analysts expect EPS to grow -22.2% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $15.63, with bear and bull scenarios of $9.85 and $20.59 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. | $4.2B | $168.37 | $247.60 | +47.1% | Buy | 9.7x | 10 |
 WRLDWorld Acceptance Corporation | $793M | $170.07 | — | — | Hold | 24.1x | 10 |
 PRAAPRA Group, Inc. | $767M | $20.11 | $25.00 | +24.3% | Hold | 6.0x | 13 |
 ECPGEncore Capital Group, Inc. | $2.0B | $94.47 | $100.00 | +5.9% | Buy | 7.0x | 15 |
 MGYRMagyar Bancorp, Inc. | $124M | $19.23 | — | — | — | — | — |
 OMFOneMain Holdings, Inc. | $6.6B | $57.25 | $65.33 | +14.1% | Buy | 8.1x | 31 |
 CACCCredit Acceptance Corporation | $5.8B | $555.13 | $540.00 | -2.7% | Hold | 11.4x | 18 |
 ALLYAlly Financial Inc. | $11.7B | $38.58 | $54.50 | +41.3% | Buy | 7.4x | 38 |
 NAVINavient Corporation | $861M | $9.16 | $8.50 | -7.2% | Hold | 12.1x | 24 |
 ATLCAtlanticus Holdings Corporation | $1.4B | $90.97 | $136.40 | +49.9% | Buy | 9.4x | 7 |
Quick answers to the most common questions about buying MFIN stock.
Wall Street's consensus price target for MFIN is $10.5, -9.0% from its current price of $11.54. The below-market target from 9 analysts suggests limited near-term appreciation.
MFIN has a consensus rating of "Hold" based on 9 Wall Street analysts. The rating breakdown is mixed, with 5 Hold ratings making up the largest segment. The consensus 12-month price target of $10.5 implies -9.0% downside from current levels.
With a forward P/E of 10.0348x, MFIN trades at a relatively low valuation. The consensus target of $10.5 implies -9.0% move, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $10.5 for MFIN, while the most conservative target is $10.5. The consensus of $10.5 represents the median expectation. Our quantitative valuation model projects a bull case target of $21 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, 4 have Buy ratings, 5 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 $10.5, with estimates ranging from $10.5 (bear case) to $10.5 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $16, with bear/bull scenarios of $10/$21.
Our quantitative valuation model calculates MFIN's fair value at $16 (base case), with a bear case of $10 and bull case of $21. 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 10.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 6.5x. 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.
Analysts are cautious on MFIN, with 0 Sell ratings and a price target of $10.5 (-9.0% from current price). The "Hold" consensus suggests careful evaluation before buying. 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 $10.5 to $10.5, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $10.5 consensus represents the middle ground. Our model's $10-$21 range provides an independent fundamental perspective.
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