MFIN
Medallion Financial Corp.
Price Chart
Latest Quote
$11.82
-0.13 (-1.09%)
Current Price
| Previous Close | $11.95 |
| Open | $11.92 |
| Day High | $11.93 |
| Day Low | $11.74 |
| Volume | 67,712 |
Stock Information
| Quarterly Dividend / Yield | $0.56 / 4.74% |
| Shares Outstanding | 22.96M |
| Quarterly Dividend Yield | 4.74% |
| Quarterly Dividend | $0.56 |
| Total Debt | $2.64B |
| Cash Equivalents | $205.99M |
| Revenue | $349.97M |
| Net Income | $32.36M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $271.39M |
| P/E Ratio | 8.89 |
| EPS (TTM) | $1.33 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $2.80B |
| Sales | $349.97M |
| Income | $32.36M |
| Book/sh | $18.09 |
| Cash/sh | $8.97 |
| Employees | 179 |
Financial Ratios
| Quick Ratio | 2.75 |
| Current Ratio | 35.02 |
| Debt/Eq | 522.37 |
| EPS Growth TTM | -32.70% |
Returns & Margins
| ROA | 3.47% |
| ROE | 8.71% |
| Gross Margin | 74.00% |
| Operating Margin | 46.85% |
| Profit Margin | 9.25% |
Ownership
| Insider Ownership | 32.31% |
| Institutional Ownership | 40.52% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 7.23 |
| PEG | 0.77 |
| P/S | 0.78 |
| P/B | 0.65 |
Analyst Data
| Recommendation | none |
| Target Price | $11.00 |
Technical Indicators
| SMA20 | $11.23 |
| SMA50 | $10.38 |
| SMA200 | $9.67 |
| RSI | 75.49 |
| ATR | 0.2968 |
| Shares Float | 14.46M |
| Short Float | 5.22% |
| Short Ratio | 14.69 |
| Volatility | 0.77 |
| Rel Volume | 0.76 |
Performance History
| Week | +1.20% |
| Month | +18.47% |
| Quarter | +22.98% |
| 6 Months | +21.99% |
| YTD | +20.91% |
| Year | +18.53% |
| 3 Years | +65.87% |
| 5 Years | +71.24% |
| 10 Years | +226.59% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-08-31 | $11.82 | 67,700 |
| 2026-08-27 | $11.81 | 80,200 |
| 2026-08-26 | $11.72 | 67,700 |
| 2026-08-25 | $11.98 | 72,100 |
| 2026-08-24 | $11.65 | 91,200 |
| 2026-08-21 | $11.68 | 115,300 |
| 2026-08-20 | $11.45 | 58,500 |
| 2026-08-19 | $11.43 | 65,700 |
| 2026-08-18 | $11.33 | 72,200 |
| 2026-08-17 | $11.10 | 79,500 |
| 2026-08-14 | $11.34 | 70,200 |
| 2026-08-13 | $11.29 | 81,400 |
| 2026-08-12 | $11.06 | 105,500 |
| 2026-08-11 | $10.90 | 95,900 |
| 2026-08-10 | $10.72 | 153,900 |
| 2026-08-07 | $10.77 | 56,900 |
| 2026-08-06 | $10.71 | 62,400 |
| 2026-08-05 | $10.66 | 76,600 |
| 2026-08-04 | $10.77 | 246,600 |
| 2026-08-03 | $10.47 | 73,400 |
About Medallion Financial Corp.
Medallion Financial Corp., together with its subsidiaries, operates as a specialty finance company in the United States. It operates in four segments: Recreation Lending, Home Improvement Lending, Commercial Loans, Taxi Medallion Lending. The company offers loans that finance consumer purchases of recreational vehicles, boats, collector cars, and other consumer recreational equipment; consumer financing for window, siding, and roof replacement, swimming pool installations, and other home improvement projects; senior and subordinated loans for the purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and taxi medallion loans to individuals and small to mid-size businesses. It also provides debt, mezzanine, and equity investment capital to companies in various commercial industries; and raises deposits and conducts other banking activities. The company was incorporated in 1995 and is headquartered in New York City, New York.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $243,386,000 | $203,094,000 | $189,871,000 | $162,248,000 |
| Operating Revenue | $243,386,000 | $203,094,000 | $189,871,000 | $162,248,000 |
| Expenses | ||||
| Interest Expense | $98,427,000 | $88,167,000 | $62,946,000 | $36,185,000 |
| Rent Expense Supplemental | $2,789,000 | $2,682,000 | $2,472,000 | $2,378,000 |
| General And Administrative Expense | $44,453,000 | $41,026,000 | $40,034,000 | $33,508,000 |
| Professional Expense And Contract Services Expense | $5,005,000 | $-1,372,000 | $5,886,000 | $13,054,000 |
| Other Non Interest Expense | $22,776,000 | $19,557,000 | $18,660,000 | $15,675,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $46,559,000 | $35,878,000 | $55,079,000 | $43,840,000 |
| Net Interest Income | $216,893,000 | $202,535,000 | $188,094,000 | $160,436,000 |
| Interest Income | $315,320,000 | $290,702,000 | $251,040,000 | $196,621,000 |
| Normalized Income | $43,362,920 | $37,295,720 | $52,738,840 | $40,317,397 |
| Net Income From Continuing And Discontinued Operation | $46,559,000 | $35,878,000 | $55,079,000 | $43,840,000 |
| Net Income Common Stockholders | $43,044,000 | $35,878,000 | $55,079,000 | $43,840,000 |
| Net Income | $46,559,000 | $35,878,000 | $55,079,000 | $43,840,000 |
| Net Income Including Noncontrolling Interests | $55,341,000 | $41,925,000 | $61,126,000 | $49,887,000 |
| Net Income Continuous Operations | $55,341,000 | $41,925,000 | $61,126,000 | $49,887,000 |
| Pretax Income | $79,885,000 | $62,936,000 | $86,036,000 | $67,850,000 |
| Special Income Charges | $0 | $-3,000,000 | $0 | $-657,000 |
| Depreciation Amortization Depletion Income Statement | $1,445,000 | $1,445,000 | $1,445,000 | $1,445,000 |
| Depreciation And Amortization In Income Statement | $1,445,000 | $1,445,000 | $1,445,000 | $1,445,000 |
| Amortization Of Intangibles Income Statement | $1,445,000 | $1,445,000 | $1,445,000 | $1,445,000 |
| Per Share | ||||
| Diluted EPS | $1.78 | $1.52 | $2.37 | $1.83 |
| Basic EPS | $1.89 | $1.59 | $2.45 | $1.86 |
| Other | ||||
| Tax Effect Of Unusual Items | $1,435,920 | $-698,280 | $955,840 | $1,268,397 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $4,632,000 | $-2,116,000 | $3,296,000 | $4,791,000 |
| Total Unusual Items Excluding Goodwill | $4,632,000 | $-2,116,000 | $3,296,000 | $4,791,000 |
| Reconciled Depreciation | $8,323,000 | $6,217,000 | $5,243,000 | $5,229,000 |
| Diluted Average Shares | $24,247,788 | $23,605,493 | $23,248,323 | $23,927,342 |
| Basic Average Shares | $22,774,561 | $22,546,051 | $22,510,435 | $23,583,049 |
| Diluted NI Availto Com Stockholders | $43,044,000 | $35,878,000 | $55,079,000 | $43,840,000 |
| Otherunder Preferred Stock Dividend | $3,515,000 | - | - | - |
| Minority Interests | $-8,782,000 | $-6,047,000 | $-6,047,000 | $-6,047,000 |
| Tax Provision | $24,544,000 | $21,011,000 | $24,910,000 | $17,963,000 |
| Gain On Sale Of Security | $24,552,000 | $6,917,000 | $5,178,000 | $2,779,000 |
| Amortization | $1,445,000 | $1,445,000 | $1,445,000 | $1,445,000 |
| Selling General And Administration | $44,453,000 | $41,026,000 | $40,034,000 | $33,508,000 |
| Rent And Landing Fees | $2,789,000 | $2,682,000 | $2,472,000 | $2,378,000 |
| Salaries And Wages | $41,664,000 | $38,344,000 | $37,562,000 | $31,130,000 |
| Other Special Charges | - | $3,000,000 | - | - |
| Write Off | - | $528,000 | $1,696,000 | $657,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-08-21
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $240,113,000 | $200,221,000 | $171,592,000 | $128,898,000 |
| Total Assets | $2,955,464,000 | $2,868,606,000 | $2,587,827,000 | $2,259,879,000 |
| Goodwill And Other Intangible Assets | $168,504,000 | $169,949,000 | $171,394,000 | $172,838,000 |
| Other Intangible Assets | $17,701,000 | $19,146,000 | $20,591,000 | $22,035,000 |
| Receivables | $19,401,000 | $17,445,000 | $14,209,000 | $14,708,000 |
| Accounts Receivable | $19,401,000 | $15,314,000 | $13,538,000 | $12,613,000 |
| Cash And Cash Equivalents | $136,266,000 | $98,238,000 | $52,591,000 | $33,172,000 |
| Cash Cash Equivalents And Federal Funds Sold | $201,564,000 | $169,572,000 | $149,845,000 | $105,598,000 |
| Other Receivables | - | $2,131,000 | $671,000 | $2,095,000 |
| Debt | ||||
| Net Debt | $174,971,000 | $182,921,000 | $190,953,000 | $186,148,000 |
| Total Debt | $318,478,000 | $288,587,000 | $253,063,000 | $229,928,000 |
| Long Term Debt And Capital Lease Obligation | $221,028,000 | $237,287,000 | $242,563,000 | $222,728,000 |
| Current Debt And Capital Lease Obligation | $97,450,000 | $51,300,000 | $10,500,000 | $7,200,000 |
| Current Debt | $95,250,000 | $49,000,000 | $8,000,000 | $5,000,000 |
| Other Current Borrowings | $95,250,000 | $49,000,000 | $8,000,000 | $5,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,447,418,000 | $2,429,648,000 | $2,176,053,000 | $1,889,355,000 |
| Non Current Deferred Liabilities | $19,596,000 | $20,995,000 | $21,207,000 | $26,753,000 |
| Non Current Deferred Taxes Liabilities | $19,596,000 | $20,995,000 | $21,207,000 | $26,753,000 |
| Payables And Accrued Expenses | $25,079,000 | $29,995,000 | $35,126,000 | $25,564,000 |
| Payables | $25,079,000 | $29,995,000 | $35,126,000 | $25,564,000 |
| Total Tax Payable | $759,000 | $0 | $0 | - |
| Income Tax Payable | $759,000 | $0 | $0 | - |
| Accounts Payable | $24,320,000 | $29,995,000 | $35,126,000 | $25,564,000 |
| Equity | ||||
| Common Stock Equity | $408,617,000 | $370,170,000 | $342,986,000 | $301,736,000 |
| Total Equity Gross Minority Interest | $508,046,000 | $438,958,000 | $411,774,000 | $370,524,000 |
| Stockholders Equity | $408,617,000 | $370,170,000 | $342,986,000 | $301,736,000 |
| Gains Losses Not Affecting Retained Earnings | $-2,381,000 | $-3,647,000 | $-3,696,000 | $-3,349,000 |
| Retained Earnings | $162,374,000 | $130,256,000 | $103,883,000 | $66,673,000 |
| Long Term Equity Investment | $8,099,000 | $9,198,000 | $11,430,000 | $10,293,000 |
| Other | ||||
| Treasury Shares Number | $6,280,909 | $6,172,558 | $5,602,154 | $5,602,154 |
| Ordinary Shares Number | $23,311,683 | $23,135,624 | $23,449,646 | $23,061,673 |
| Share Issued | $29,592,592 | $29,308,182 | $29,051,800 | $28,663,827 |
| Tangible Book Value | $240,113,000 | $200,221,000 | $171,592,000 | $128,898,000 |
| Invested Capital | $719,854,000 | $651,329,000 | $586,530,000 | $521,056,000 |
| Capital Lease Obligations | $7,241,000 | $7,428,000 | $9,519,000 | $10,608,000 |
| Minority Interest | $99,429,000 | $68,788,000 | $68,788,000 | $68,788,000 |
| Treasury Stock | $51,130,000 | $50,144,000 | $45,538,000 | $45,538,000 |
| Additional Paid In Capital | $299,458,000 | $293,412,000 | $288,046,000 | $283,663,000 |
| Capital Stock | $296,000 | $293,000 | $291,000 | $287,000 |
| Common Stock | $296,000 | $293,000 | $291,000 | $287,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $5,041,000 | $5,128,000 | $7,019,000 | $8,408,000 |
| Current Capital Lease Obligation | $2,200,000 | $2,300,000 | $2,500,000 | $2,200,000 |
| Investments And Advances | $68,282,000 | $64,003,000 | $65,712,000 | $58,785,000 |
| Available For Sale Securities | $57,768,000 | $51,875,000 | $51,946,000 | $48,492,000 |
| Goodwill | $150,803,000 | $150,803,000 | $150,803,000 | $150,803,000 |
| Net PPE | $11,861,000 | $13,756,000 | $14,076,000 | $13,168,000 |
| Other Short Term Investments | $2,415,000 | $54,805,000 | $54,282,000 | $48,492,000 |
Fetched: 2026-08-21
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $126,283,000 | $108,680,000 | $113,783,000 | $108,740,000 |
| Operating Activities | ||||
| Operating Cash Flow | $126,283,000 | $108,680,000 | $113,783,000 | $108,740,000 |
| Cash Flow From Continuing Operating Activities | $126,283,000 | $108,680,000 | $113,783,000 | $108,740,000 |
| Operating Gains Losses | $-24,552,000 | $-6,917,000 | $-5,178,000 | $-2,779,000 |
| Investing Activities | ||||
| Investing Cash Flow | $-124,494,000 | $-328,945,000 | $-340,715,000 | $-449,005,000 |
| Cash Flow From Continuing Investing Activities | $-124,494,000 | $-328,945,000 | $-340,715,000 | $-449,005,000 |
| Net Other Investing Changes | $13,219,000 | $13,551,000 | $20,631,000 | $22,664,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-986,000 | $-4,606,000 | $0 | $-20,619,000 |
| Financing Cash Flow | $30,203,000 | $239,992,000 | $271,179,000 | $321,379,000 |
| Cash Flow From Continuing Financing Activities | $30,203,000 | $239,992,000 | $271,179,000 | $321,379,000 |
| Net Other Financing Charges | $17,142,000 | $-6,991,000 | $-6,815,000 | $-6,047,000 |
| Cash Dividends Paid | $-10,972,000 | $-9,394,000 | $-7,703,000 | $-7,543,000 |
| Common Stock Dividend Paid | $-10,972,000 | $-9,394,000 | $-7,703,000 | $-7,543,000 |
| Net Common Stock Issuance | $-986,000 | $-4,606,000 | $0 | $-20,619,000 |
| Other | ||||
| Interest Paid Supplemental Data | $95,999,000 | $82,760,000 | $57,509,000 | $31,976,000 |
| Income Tax Paid Supplemental Data | $23,098,000 | $22,464,000 | $25,102,000 | $8,848,000 |
| End Cash Position | $201,564,000 | $169,572,000 | $149,845,000 | $105,598,000 |
| Beginning Cash Position | $169,572,000 | $149,845,000 | $105,598,000 | $124,484,000 |
| Changes In Cash | $31,992,000 | $19,727,000 | $44,247,000 | $-18,886,000 |
| Proceeds From Stock Option Exercised | $516,000 | $259,000 | $442,000 | $155,000 |
| Common Stock Payments | $-986,000 | $-4,606,000 | $0 | $-20,619,000 |
| Net Investment Purchase And Sale | $21,504,000 | $8,640,000 | $-2,129,000 | $-5,951,000 |
| Sale Of Investment | $36,337,000 | $16,381,000 | $9,444,000 | $14,762,000 |
| Purchase Of Investment | $-14,833,000 | $-7,741,000 | $-11,573,000 | $-20,713,000 |
| Change In Working Capital | $-9,755,000 | $-16,020,000 | $-8,499,000 | $9,147,000 |
| Change In Other Current Assets | $-1,342,000 | $-5,239,000 | $-15,470,000 | $-3,919,000 |
| Change In Payables And Accrued Expense | $-5,817,000 | $-7,333,000 | $8,241,000 | $7,777,000 |
| Change In Payable | $-5,817,000 | $-7,333,000 | $8,241,000 | $7,777,000 |
| Change In Account Payable | $-5,817,000 | $-7,333,000 | $8,241,000 | $7,777,000 |
| Change In Receivables | $-4,087,000 | $-1,776,000 | $-925,000 | $-1,992,000 |
| Changes In Account Receivables | $-4,087,000 | $-1,776,000 | $-925,000 | $-1,992,000 |
| Other Non Cash Items | $369,000 | $920,000 | $18,568,000 | $13,721,000 |
| Stock Based Compensation | $6,735,000 | $6,053,000 | $4,713,000 | $3,476,000 |
| Depreciation Amortization Depletion | $8,323,000 | $6,217,000 | $5,243,000 | $5,229,000 |
| Depreciation And Amortization | $8,323,000 | $6,217,000 | $5,243,000 | $5,229,000 |
| Gain Loss On Investment Securities | $-24,552,000 | $-6,917,000 | $-5,178,000 | $-2,779,000 |
| Net Income From Continuing Operations | $55,341,000 | $41,925,000 | $61,126,000 | $49,887,000 |
| Net Business Purchase And Sale | - | - | $0 | $0 |
| Sale Of Business | - | - | $0 | $0 |
| Gain Loss On Sale Of Business | - | - | $0 | $0 |
| Unrealized Gain Loss On Investment Securities | - | - | - | - |
Fetched: 2026-08-21