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MEDALLION FINANCIAL CORP

MFIN

$9.89 ▼ -0.47 (-4.58%) at close

10 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Bullish

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Analytical Summary

MEDALLION FINANCIAL CORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $225.2M

Dividend Yield —

Revenue Growth 19.2% ↗

Op. Margin 31.3% ↗

ROIC None

FCF / Share None

Trailing P/E 5.2x

Price / Book 0.6x

FCF Yield —

Debt / Equity 0.76

info Valuation on last close. End-of-day price, Nov 5, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$254.89M

↑ +19.2% —

Net Income Profit after all expenses

$43.04M

↑ +20.0% —

Operating Margin Operating profit as % of sales

31.3%

↑ +6.5% 87th

Long-Term Debt Long-term obligations

$215.99M

↓ -7.0% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health →

Dividend History

Dividend / share · sourced from SEC filings

$0.00 Latest / share

FY 2016

FY 2017

FY 2018

FY 2019

$0.00

FY 2020

$0.00

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue Growth YoY (%)	19.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+220%)	7.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+21%)	17.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+189%)	6.6% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	52.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+766%)	—	—	—	—	—
EPS Growth YoY (%)	18.9% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-35.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	31.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-15.5% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-1928.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	93.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	-99.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	20.0% Good ↑ Good Improving Year-over-year change in net income	-34.9% Weak ↓ Weak Declining Year-over-year change in net income	25.6% Excellent Excellent Year-over-year change in net income	-19.0% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	14.5% Good ↓ Good Declining Compound annual revenue growth over 3 years	10.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	23.9% Excellent Excellent Compound annual revenue growth over 3 years	—	11.7% Good Good Compound annual revenue growth over 3 years	—	—	—	—	—
Revenue CAGR 5Y (%)	19.4% Excellent Excellent Compound annual revenue growth over 5 years	—	11.7% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	0.5% Caution Caution Compound annual EPS growth over 3 years	-10.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Operating Margin (%) (%)	31.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	29.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	43.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	39.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	51.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+105%)	-35.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-241%)	—	-9.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-137%)	—	—
Effective Tax Rate (%) (%)	30.7% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	16.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	16.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	27.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	25.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	33.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	-33.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-251%)	—	-21.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-199%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	-1.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	10.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	9.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	16.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	14.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+21%)	18.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+57%)	-15.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-225%)	0.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	-9.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-179%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Debt to Equity (x)	0.76x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-37%)	0.76x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-37%)	0.71x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	0.73x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-39%)	0.77x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-36%)	1.04x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-13%)	0.81x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-33%)	0.81x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-32%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue per Share (USD)	$11.19	$9.49	$8.86	$7.21	$6.48	$4.29	—	$4.73	—	—
Basic EPS, GAAP (USD)	$1.89	$1.59	$2.45	$1.86	$2.20	$-1.42	$-0.07	$-1.03	$0.01	$0.97
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	—	—	$0.00	$0.00	—	—	—	—
Book Value per Share (USD)	$17.53	$16.00	$14.63	$13.08	$11.40	$9.30	$10.68	$10.75	$6.87	—
Tangible Book Value per Share (USD)	$10.30	$8.65	$7.32	$5.59	$4.48	$1.19	$2.43	$2.37	$6.87	—
Basic Weighted Avg Shares (shares)	22.77M	22.55M	22.51M	23.58M	24.60M	24.45M	24.34M	24.21M	23.92M	24.12M
Dividend Payout Ratio (%)	—	—	—	—	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$215.99M	$232.16M	$235.54M	$214.32M	$219.97M	$153.72M	$174.61M	$158.81M	—	—
Total Equity (USD)	$408.62M	$370.17M	$342.99M	$301.74M	$287.04M	$231.41M	$263.15M	$262.61M	$164.23M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Sales/Revenue/Turnover (USD)	$254.89M	$213.87M	$199.41M	$169.96M	$159.39M	$104.88M	—	$114.47M	—	—
Depreciation Expense (USD)	$8.32M	$6.22M	$5.24M	$5.23M	$6.52M	$7.71M	$7.50M	$5.56M	—	—
Net Income, GAAP (USD)	$43.04M	$35.88M	$55.08M	$43.84M	$54.11M	$-34.78M	$2.00M	$-25.05M	—	—
Operating Cash Flow (USD)	$126.28M	$108.68M	$113.76M	$108.74M	$78.73M	$78.71M	$64.94M	$66.55M	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Net Interest Margin (approx.) (%)	7.3%	7.1%	7.3%	7.1%	6.8%	6.7%	6.3%	5.2%	—	—
Efficiency Ratio (%) (%)	33.4%	34.8%	37.9%	42.4%	45.7%	68.7%	—	57.8%	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 10 years · 37 quarters

MEDALLION FINANCIAL CORP

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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