Medallion Financial Corp. (NASDAQ:MFIN)

Medallion Financial Corp. MFIN

Financial Services - Financial - Credit Services - NASDAQ - US

Watchlist

$ 9.53

-0.626 %

$ 220 M

Market Cap

5.64

P/E

1. INTRINSIC VALUE

Medallion Financial Corp., together with its subsidiaries, operates as a finance company in the United States. The company operates through four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. It provides loans that finance consumer purchases of recreational vehicles, boats, and trailers; consumer home improvements; commercial businesses; and taxi medallions to individuals, and small to mid-size businesses. The company also offers commercial loans for purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and medallion loans. In addition, it provides debt, mezzanine, and equity investment capital to companies in various industries; and raises deposits and conducts other banking activities.[ Read More ]

The intrinsic value of one MFIN stock under the base case scenario is HIDDEN Compared to the current market price of 9.53 USD, Medallion Financial Corp. is HIDDEN

MFIN Intrinsic Value
HIDDEN

SHOW

2. FUNDAMENTAL ANALYSIS

Price Chart MFIN

FINANCIALS

Annual
Quarterly

264 M REVENUE

Growth Rates

1Year 68.26%

3Years 31.09%

5Years 26.15%

7Years 16.29%

10Years 20.35%

152 M OPERATING INCOME

Growth Rates

1Year 55.25%

3Years 75.35%

5Years 110.35%

7Years 9.22%

10Years 22.95%

61.1 M NET INCOME

Growth Rates

1Year 22.53%

3Years 62.26%

5Years 36.21%

7Years 14.62%

10Years 9.02%

114 M OPERATING CASH FLOW

Growth Rates

1Year 4.62%

3Years 13.07%

5Years 7.80%

7Years 9.16%

10Years 22.36%

-341 M INVESTING CASH FLOW

Growth Rates

1Year 24.12%

3Years -25.84%

5Years -57.38%

7Years -9.37%

10Years -39.80%

271 M FINANCING CASH FLOW

Growth Rates

1Year -15.62%

3Years 25.72%

5Years 63.84%

7Years 28.52%

10Years 28.48%

77 M REVENUE

Growth Rates

1Year 68.26%

3Years 31.09%

5Years 26.15%

7Years 16.29%

10Years 20.35%

37.8 M OPERATING INCOME

Growth Rates

1Year 55.25%

3Years 75.35%

5Years 110.35%

7Years 9.22%

10Years 22.95%

13.1 M NET INCOME

Growth Rates

1Year 22.53%

3Years 62.26%

5Years 36.21%

7Years 14.62%

10Years 9.02%

27.2 M OPERATING CASH FLOW

Growth Rates

1Year 4.62%

3Years 13.07%

5Years 7.80%

7Years 9.16%

10Years 22.36%

-107 M INVESTING CASH FLOW

Growth Rates

1Year 24.12%

3Years -25.84%

5Years -57.38%

7Years -9.37%

10Years -39.80%

109 M FINANCING CASH FLOW

Growth Rates

1Year -15.62%

3Years 25.72%

5Years 63.84%

7Years 28.52%

10Years 28.48%

Balance Sheet Decomposition Medallion Financial Corp.

2.59 B ASSETS
2.18 B LIABILITIES

Current Assets	2.3 B
Cash & Short-Term Investments	150 M
Receivables	14.2 M
Other Current Assets	2.13 B
Non-Current Assets	292 M
Long-Term Investments	-33.9 M
PP&E	14.1 M
Other Non-Current Assets	312 M

Current Liabilities	38.8 M
Accounts Payable	28.3 M
Short-Term Debt	10.5 M
Other Current Liabilities	0
Non-Current Liabilities	2.17 B
Long-Term Debt	243 M
Other Non-Current Liabilities	1.93 B

EFFICIENCY

Earnings Waterfall Medallion Financial Corp.

Revenue	264 M
Cost Of Revenue	37.8 M
Gross Profit	226 M
Operating Expenses	74.1 M
Operating Income	152 M
Other Expenses	91 M
Net Income	61.1 M

RATIOS

85.68% GROSS MARGIN

Averages

1Year 85.68%

3Years 82.47%

5Years 78.98%

7Years 81.74%

10Years 86.54%

57.61% OPERATING MARGIN

Averages

1Year 57.61%

3Years 57.65%

5Years 27.47%

7Years 34.57%

10Years 46.53%

20.86% NET MARGIN

Averages

1Year 20.86%

3Years 28.45%

5Years 13.42%

7Years 5.08%

10Years 18.65%

16.06% ROE

Averages

1Year 16.06%

3Years 16.48%

5Years 7.95%

7Years 4.33%

10Years 5.96%

2.13% ROA

Averages

1Year 2.13%

3Years 2.32%

5Years 1.13%

7Years 0.56%

10Years 1.61%

18.43% ROIC

Averages

1Year 18.43%

3Years 14.38%

5Years 7.34%

7Years 5.36%

10Years 5.70%

FREE CASH FLOW ANALYSIS

Free Cash Flow Analysis Medallion Financial Corp.

Net Income	61.1 M
Depreciation & Amortization	5.24 M
Capital Expenditures	0
Stock-Based Compensation	4.71 M
Change in Working Capital	-8.5 M
Others	36.5 M
Free Cash Flow	114 M

3. WALL STREET ANALYSTS ESTIMATES

Wall Street Analysts Price Targets Medallion Financial Corp.

MFIN has no price targets from Wall Street.

4. DIVIDEND ANALYSIS

1.21% DIVIDEND YIELD

0.11 USD DIVIDEND PER SHARE

5. COMPETITION

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WNEB

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MBIN

Overvalued 204.46%

MidWestOne Financial Group, Inc. operates as the bank holding company for MidWestOne Bank that provides commercial and retail banking products and services to individuals, businesses, governmental units, and institutional customers.

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MOFG

Overvalued 85.09%

OFS Capital Corporation is a business development company specializing in direct and fund investments as well as add-on acquisitions. It provides flexible capital solutions primarily through debt capital and to a lesser extent, minority equity investments serving the needs of U.S.-based middle-market companies across a broad array of industries.

-5.07 USD

OFS

Overvalued 163.26%

6. Ownership

Insider Ownership Medallion Financial Corp.

Summary
Transactions

Sold

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

0 USD 0

9-12 MONTHS

0 USD 0

Bought

41.3 K USD 1

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

0 USD 0

9-12 MONTHS

Date	Value	Insider	Amount	Avg Price
2 months ago Sep 10, 2024	Bought 7.5 K USD	Cutrone Anthony N. Chief Financial Officer	+ 1000	7.5 USD
2 months ago Sep 06, 2024	Bought 15 K USD	Cutrone Anthony N. Chief Financial Officer	+ 2000	7.5229 USD
2 months ago Sep 10, 2024	Bought 3.75 K USD	Cutrone Anthony N. Chief Financial Officer	+ 500	7.5 USD
2 months ago Sep 06, 2024	Bought 15 K USD	Cutrone Anthony N. Chief Financial Officer	+ 2000	7.525 USD
2 years ago Mar 07, 2022	Bought 9.4 K USD	Munson Thomas J. See Remarks	+ 1100	8.55 USD
5 years ago Aug 08, 2019	Bought 47.4 K USD	TANENBAUM ALLAN J Director	+ 10000	4.7367 USD
5 years ago May 17, 2019	Sell 12.5 K USD	Munson Thomas J. See Remarks	- 1700	7.3348 USD
5 years ago May 17, 2019	Sell 18.7 K USD	Munson Thomas J. See Remarks	- 2548	7.34 USD
6 years ago Jun 14, 2018	Bought 55.5 K USD	TANENBAUM ALLAN J Director	+ 10000	5.5482 USD
6 years ago Nov 30, 2017	Bought 6.23 K USD	TANENBAUM ALLAN J Director	+ 2300	2.71 USD
6 years ago Dec 05, 2017	Bought 2.45 K USD	TANENBAUM ALLAN J Director	+ 900	2.72 USD
6 years ago Dec 04, 2017	Bought 9.36 K USD	TANENBAUM ALLAN J Director	+ 3442	2.72 USD
6 years ago Nov 29, 2017	Bought 13.6 K USD	TANENBAUM ALLAN J Director	+ 5005	2.71 USD
6 years ago Nov 28, 2017	Bought 12.4 K USD	TANENBAUM ALLAN J Director	+ 4571	2.7098 USD
7 years ago Nov 17, 2017	Bought 8.84 K USD	TANENBAUM ALLAN J Director	+ 3348	2.641 USD
7 years ago Nov 15, 2017	Bought 13.1 K USD	TANENBAUM ALLAN J Director	+ 5000	2.62 USD
7 years ago Jun 15, 2017	Bought 4.8 K USD	Munson Thomas J. See Remarks	+ 2000	2.4 USD
7 years ago Mar 16, 2017	Bought 10.7 K USD	MURSTEIN ANDREW President	+ 5000	2.1343 USD
7 years ago Dec 15, 2016	Bought 25 K USD	MURSTEIN ANDREW President	+ 7000	3.5742 USD
8 years ago Aug 11, 2016	Bought 54.9 K USD	MURSTEIN ANDREW President	+ 10000	5.4912 USD
20 years ago Apr 02, 2004	Sell 32.2 K USD	CARROLL MICHAEL C SVP and General Counsel	- 3600	8.95 USD
20 years ago Apr 02, 2004	Sell 4.84 K USD	CARROLL MICHAEL C SVP and General Counsel	- 540	8.97 USD
20 years ago Apr 02, 2004	Sell 1.79 K USD	CARROLL MICHAEL C SVP and General Counsel	- 200	8.93 USD
20 years ago Apr 02, 2004	Sell 1.79 K USD	CARROLL MICHAEL C SVP and General Counsel	- 200	8.96 USD
20 years ago Apr 02, 2004	Sell 535 USD	CARROLL MICHAEL C SVP and General Counsel	- 60	8.92 USD

7. News

Medallion Financial Corp. (MFIN) Q3 2024 Earnings Call Transcript Medallion Financial Corp. (NASDAQ:MFIN ) Q3 2024 Earnings Conference Call October 30, 2024 9:00 AM ET Company Participants Ken Cooper - IR Andrew Murstein - President & COO Anthony Cutrone - EVP & CFO Conference Call Participants Christopher Nolan - Ladenburg Thalmann Mike Grondahl - Northland Securities Matthew Howlett - B. Riley Operator Good day and welcome to the Medallion Financial Corp. Third Quarter Earnings Conference Call. seekingalpha.com - 2 weeks ago

Compared to Estimates, Medallion Financial (MFIN) Q3 Earnings: A Look at Key Metrics Although the revenue and EPS for Medallion Financial (MFIN) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 weeks ago

Medallion Financial (MFIN) Q3 Earnings and Revenues Top Estimates Medallion Financial (MFIN) came out with quarterly earnings of $0.37 per share, beating the Zacks Consensus Estimate of $0.36 per share. This compares to earnings of $0.48 per share a year ago. zacks.com - 2 weeks ago

Medallion Bank Reports 2024 Third Quarter Results and Declares Series F Preferred Stock Dividend SALT LAKE CITY, Oct. 29, 2024 (GLOBE NEWSWIRE) -- Medallion Bank (Nasdaq: MBNKP, the “Bank”), an FDIC-insured bank specializing in consumer loans for the purchase of recreational vehicles, boats, and home improvements, as well as loan products and services offered through fintech strategic partners, today announced its results for the quarter ended September 30, 2024. The Bank is a wholly owned subsidiary of Medallion Financial Corp. (Nasdaq: MFIN). globenewswire.com - 2 weeks ago

Medallion Financial (MFIN) Expected to Beat Earnings Estimates: What to Know Ahead of Q3 Release Medallion Financial (MFIN) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 3 weeks ago

Medallion Financial Corp. to Report 2024 Third Quarter Results on Tuesday, October 29, 2024 NEW YORK, Oct. 16, 2024 (GLOBE NEWSWIRE) -- Medallion Financial Corp. (NASDAQ: MFIN, the “Company”), a specialty finance company that originates and services loans in various consumer and commercial industries, as well as loan products and services offered through fintech strategic partners, announced today that it will report its results for the quarter ended September 30, 2024, after the market closes on Tuesday, October 29, 2024. globenewswire.com - 1 month ago

Medallion Bank Announces Fintech Strategic Partnership With Kashable SALT LAKE CITY, Sept. 30, 2024 (GLOBE NEWSWIRE) -- Medallion Bank (Nasdaq: MBNKP), an FDIC-insured bank specializing in consumer loans for the purchase of recreational vehicles, boats, and home improvements, as well as loan products and services offered through fintech strategic partners, today announced a strategic partnership with Kashable, a leading fintech company dedicated to providing socially responsible credit and financial wellness solutions. This collaboration builds on Medallion Bank's existing nationwide financing footprint while expanding Kashable's services to a broader audience, offering working Americans access to affordable personal loans. globenewswire.com - 1 month ago

ZimCal disturbed by Medallion Financial's second quarter results MINNEAPOLIS, Aug. 20, 2024 (GLOBE NEWSWIRE) -- Please read the full release with accompanying graphs, sources and details here . Summary of the release below. globenewswire.com - 2 months ago

Medallion Financial Corp. to Participate in Upcoming Investor Conference NEW YORK, Aug. 19, 2024 (GLOBE NEWSWIRE) -- Medallion Financial Corp. (NASDAQ: MFIN, “Medallion” or the “Company”), a specialty finance company that originates and services loans in various consumer and commercial industries, along with offering loan origination services to fintech strategic partners, announced today it will participate in the upcoming Investor Summit 2024 Conference. globenewswire.com - 2 months ago

Medallion Financial Corp. (MFIN) Q2 2024 Earnings Call Transcript Medallion Financial Corp. (NASDAQ:MFIN ) Q2 2024 Earnings Conference Call July 31, 2024 9:00 AM ET Company Participants Ken Cooper - IR Andrew Murstein - President & COO Anthony Cutrone - EVP & CFO Conference Call Participants Michael Grondahl - Northland Capital Markets Christopher Nolan - Ladenburg Thalmann Matthew Howlett - B. Riley Operator Good day, and welcome to the Medallion Financial Second Quarter Earnings Conference Call. seekingalpha.com - 3 months ago

Medallion Financial (MFIN) Q2 Earnings Miss Estimates Medallion Financial (MFIN) came out with quarterly earnings of $0.30 per share, missing the Zacks Consensus Estimate of $0.33 per share. This compares to earnings of $0.62 per share a year ago. zacks.com - 3 months ago

Medallion Financial Corp. Reports 2024 Second Quarter Results NEW YORK, July 30, 2024 (GLOBE NEWSWIRE) -- Medallion Financial Corp. (NASDAQ: MFIN, “Medallion” or the “Company”), a specialty finance company that originates and services loans in various consumer and commercial industries, along with offering loan origination services to fintech strategic partners, announced today its results for the quarter ended June 30, 2024. globenewswire.com - 3 months ago

8. Profile Summary

Medallion Financial Corp. MFIN

COUNTRY US

INDUSTRY Financial - Credit Services

MARKET CAP $ 220 M

Dividend Yield 1.21%

Description Medallion Financial Corp., together with its subsidiaries, operates as a finance company in the United States. The company operates through four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. It provides loans that finance consumer purchases of recreational vehicles, boats, and trailers; consumer home improvements; commercial businesses; and taxi medallions to individuals, and small to mid-size businesses. The company also offers commercial loans for purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and medallion loans. In addition, it provides debt, mezzanine, and equity investment capital to companies in various industries; and raises deposits and conducts other banking activities. Medallion Financial Corp. was incorporated in 1995 and is headquartered in New York City, New York.

Contact 437 Madison Avenue, New York, NY, 10022 https://www.medallion.com

IPO Date May 23, 1996

Employees 169

Officers Mr. Andrew M. Murstein President, Chief Operating Officer & Non-Independent Director Mr. Thomas J. Munson Executive Vice President & Chief Credit Officer Mr. Donald S. Poulton Chief Executive Officer & President of Medallion Bank Mr. Alvin Murstein Chairman & Chief Executive Officer Mr. Stephen A. Lewis Senior Vice President of Medallion Capital, Inc. Mr. Anthony N. Cutrone Executive Vice President & Chief Financial Officer Mr. Dean R. Pickerell Acting President & Executive Vice President of Medallion Capital, Inc. Mr. David Justin Haley Executive Vice President & Chief Financial Officer of Medallion Bank Mr. Steven M. Hannay Executive Vice President & Chief Lending Officer of Medallion Bank.

Price Chart MFIN

Medallion Financial Corp. MFIN

Premium Plan

Unlimited Plan