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Medallion Financial Corp. MFIN
Financial Services - Financial - Credit Services - NASDAQ - US
Watchlist
$ 8.29
0.852 %
$ 193 M
Market Cap
5.45
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one MFIN stock under the worst case scenario is HIDDEN Compared to the current market price of 8.29 USD, Medallion Financial Corp. is HIDDEN

MFIN Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one MFIN stock under the base case scenario is HIDDEN Compared to the current market price of 8.29 USD, Medallion Financial Corp. is HIDDEN

MFIN Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one MFIN stock under the best case scenario is HIDDEN Compared to the current market price of 8.29 USD, Medallion Financial Corp. is HIDDEN

MFIN Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart MFIN

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1M -6%
6M -7.0%
1Y 12%
3Y 23%
5Y 353%
All
$10.5$10.5$10.0$10.0$9.5$9.5$9.0$9.0$8.5$8.5$8.0$8.0$7.5$7.515 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
291 M REVENUE
10.09%
Growth Rates
1Year 10.09%
3Years 25.22%
5Years 21.37%
7Years 47.42%
10Years 20.09%
289 M OPERATING INCOME
181.18%
Growth Rates
1Year 181.18%
3Years 54.58%
5Years 150.18%
7Years 47.30%
10Years 28.72%
41.9 M NET INCOME
-31.41%
Growth Rates
1Year -31.41%
3Years -10.07%
5Years 83.85%
7Years 104.74%
10Years 3.87%
116 M OPERATING CASH FLOW
1.54%
Growth Rates
1Year 1.54%
3Years 13.63%
5Years 12.21%
7Years 36.15%
10Years 14.78%
-336 M INVESTING CASH FLOW
1.44%
Growth Rates
1Year 1.44%
3Years -12.11%
5Years -10.21%
7Years -8.73%
10Years -24.01%
240 M FINANCING CASH FLOW
-11.50%
Growth Rates
1Year -11.50%
3Years 11.74%
5Years 9.61%
7Years 44.44%
10Years 47.78%
97.5 M REVENUE
99.56%
Growth Rates
1Year 10.09%
3Years 25.22%
5Years 21.37%
7Years 47.42%
10Years 20.09%
-114 M OPERATING INCOME
-289.33%
Growth Rates
1Year 181.18%
3Years 54.58%
5Years 150.18%
7Years 47.30%
10Years 28.72%
11.7 M NET INCOME
-11.35%
Growth Rates
1Year -31.41%
3Years -10.07%
5Years 83.85%
7Years 104.74%
10Years 3.87%
28.4 M OPERATING CASH FLOW
4.10%
Growth Rates
1Year 1.54%
3Years 13.63%
5Years 12.21%
7Years 36.15%
10Years 14.78%
-24.7 M INVESTING CASH FLOW
76.83%
Growth Rates
1Year 1.44%
3Years -12.11%
5Years -10.21%
7Years -8.73%
10Years -24.01%
-22 M FINANCING CASH FLOW
-20.16%
Growth Rates
1Year -11.50%
3Years 11.74%
5Years 9.61%
7Years 44.44%
10Years 47.78%
Balance Sheet Medallion Financial Corp.
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Current Assets 168 M
Cash & Short-Term Investments 153 M
Receivables 17.4 M
Other Current Assets -2.13 M
Non-Current Assets 184 M
Long-Term Investments 0
PP&E 13.8 M
Other Non-Current Assets 170 M
43.47 %4.96 %3.91 %48.27 %Total Assets$352.1m
Current Liabilities 84.1 M
Accounts Payable 30 M
Short-Term Debt 54.1 M
Other Current Liabilities 0
Non-Current Liabilities 2.38 B
Long-Term Debt 5.13 M
Other Non-Current Liabilities 2.37 B
96.37 %Total Liabilities$2.5b
EFFICIENCY
Earnings Waterfall Medallion Financial Corp.
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Revenue 291 M
Cost Of Revenue 0
Gross Profit 291 M
Operating Expenses 1.37 M
Operating Income 289 M
Other Expenses 247 M
Net Income 41.9 M
300m300m250m250m200m200m150m150m100m100m50m50m00291m0291m(1m)289m(247m)42mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 88.33%
5Years 84.28%
7Years 81.74%
10Years 87.21%
99.53% OPERATING MARGIN
99.53%
Averages
1Year 99.53%
3Years 66.98%
5Years 43.11%
7Years 31.82%
10Years 49.64%
12.34% NET MARGIN
12.34%
Averages
1Year 12.34%
3Years 20.38%
5Years 14.94%
7Years 7.02%
10Years 13.72%
9.69% ROE
9.69%
Averages
1Year 9.69%
3Years 13.43%
5Years 9.50%
7Years 5.70%
10Years 5.88%
1.25% ROA
1.25%
Averages
1Year 1.25%
3Years 1.77%
5Years 1.31%
7Years 0.73%
10Years 1.28%
59.84% ROIC
59.84%
Averages
1Year 59.84%
3Years 22.01%
5Years 14.54%
7Years 10.59%
10Years 8.16%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Medallion Financial Corp.
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150m150m100m100m50m50m00(50m)(50m)(100m)(100m)(150m)(150m)(200m)(200m)(250m)(250m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 41.9 M
Depreciation & Amortization 6.22 M
Capital Expenditures 0
Stock-Based Compensation 6.05 M
Change in Working Capital 0
Others 54.4 M
Free Cash Flow 116 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Medallion Financial Corp.
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MFIN has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.15% DIVIDEND YIELD
0.11 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.001.000.900.900.800.800.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.240.250.080.080.10.110.250.250.080.080.10.250.050.080.080.10.250.990.050.600.080.320.10.340.110.410.11201520152016201620222022202320232024202420252025
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Medallion Financial Corp.
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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
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
41.3 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
5 Stocks With Low Price-to-Sales Ratios Poised to Multiply Your Gains The price-to-sales ratio is a convenient tool to gauge the value of stocks incurring losses or in an early development cycle. Stocks like TAP, GIII, ROCK, PRAA and MFIN hold promise. zacks.com - 2 weeks ago
Medallion Bank Announces Benchmark Rate for Certain Preferred Stock SALT LAKE CITY, March 28, 2025 (GLOBE NEWSWIRE) -- Medallion Bank (Nasdaq: MBNKP, the “Bank”) today announced that, upon the commencement of the floating rate period for the Bank's Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series F (the “Series F Preferred”) on April 1, 2025, the benchmark rate used to determine the dividend rate for each dividend period during the floating rate period will be three-month CME Term SOFR (“Term SOFR”). In addition, the dividend payment rate determination date for determining Term SOFR will be the second U.S. government securities business day preceding the first day of the relevant dividend period. The Series F Preferred trades on the Nasdaq Capital Market under the ticker symbol “MBNKP.” globenewswire.com - 3 weeks ago
Are Investors Undervaluing Medallion Financial (MFIN) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 3 weeks ago
3 Small-Cap Financial Services Stocks to Buy Amid Tariff Uncertainty As Trump tariffs create uncertainty and result in huge market volatility, small-cap financial services stocks - MFIN, OFS & FNWD - are worth investing in. zacks.com - 1 month ago
Should Value Investors Buy Medallion Financial (MFIN) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 month ago
Medallion Financial Corp. (MFIN) Q4 2024 Earnings Call Transcript Medallion Financial Corp. (NASDAQ:MFIN ) Q4 2024 Results Conference Call March 5, 2025 9:00 AM ET Company Participants Ken Cooper - IR Andrew Murstein - President & COO Anthony Cutrone - EVP & CFO Conference Call Participants Logan Hennen - Northland Capital Markets Operator Good morning, and welcome to the Medallion Financial Corp. fourth quarter earnings conference call. [Operator Instructions] Please note, this event is being recorded. seekingalpha.com - 1 month ago
Medallion Financial (MFIN) Surpasses Q4 Earnings and Revenue Estimates Medallion Financial (MFIN) came out with quarterly earnings of $0.43 per share, beating the Zacks Consensus Estimate of $0.33 per share. This compares to earnings of $0.60 per share a year ago. zacks.com - 1 month ago
Medallion Financial Corp. Reports 2024 Fourth Quarter and Full-Year Results NEW YORK, March 04, 2025 (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 and full-year ended December 31, 2024. globenewswire.com - 1 month ago
Medallion Financial Corp. to Report 2024 Fourth Quarter and Full-Year Results on Tuesday, March 4, 2025 NEW YORK, Feb. 26, 2025 (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 and full-year ended December 31, 2024, after the market closes on Tuesday, March 4, 2025. globenewswire.com - 1 month ago
“Is mediocrity good enough?” – ZimCal asks Medallion Financial stockholders Full analysis with graphs can be accessed here . globenewswire.com - 1 month ago
Medallion Bank Reports 2024 Fourth Quarter and Full-Year Results and Declares Series F Preferred Stock Dividend SALT LAKE CITY, Jan. 30, 2025 (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 and year ended December 31, 2024. The Bank is a wholly owned subsidiary of Medallion Financial Corp. (Nasdaq: MFIN). globenewswire.com - 2 months ago
ZimCal Demands Medallion Financial Corp Board Protect Stakeholders in SEC Lawsuit Defendants', Medallion and Andrew Murstein, motion to dismiss was almost completely denied. Medallion stockholders continue to be exposed to substantial potential financial penalties and have funded millions in legal bills for Murstein's defense. globenewswire.com - 3 months ago
8. Profile Summary

Medallion Financial Corp. MFIN

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 193 M
Dividend Yield 1.15%
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 174
Officers Mr. Donald S. Poulton Chief Executive Officer & President of Medallion Bank Mr. Stephen A. Lewis Senior Vice President of Medallion Capital, Inc. Mr. Andrew M. Murstein President, Chief Operating Officer & Non-Independent Director Mr. Dean R. Pickerell Acting President & Executive Vice President of Medallion Capital, Inc. Mr. Thomas J. Munson Executive Vice President & Chief Credit Officer Mr. Anthony N. Cutrone Executive Vice President & Chief Financial Officer Ms. Marisa T. Silverman J.D. Executive Vice President, Chief Compliance Officer, General Counsel & Secretary Mr. Alvin Murstein Chairman & Chief Executive Officer 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.