Medallion Financial Corp. (MFIN) AI Stock Analysis

Medallion Financial Corp., based in New York City, is a diversified finance company operating across Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. Its consumer operations provide loans for recreational vehicles, boats, trailers, and home improvements. For commercial clients, it offers financing for equipment purchases and business expansions, alongside its legacy business of financing taxi medallions for transportation operators. Founded in 1995, the company also participates in debt, mezzanine, and equity investments, raises deposits through banking activities, and has initiated strategic ventures into the cryptocurrency space to explore digital asset opportunities.

Medallion Financial generated FY2025 revenue of $353.3M, up 21.1% from $291.8M in FY2024, continuing top-line expansion from $179.2M in FY2021. Operating margin increased to 50.5% in FY2025 compared to 21.6% in FY2024, while net margin held steady at 12.2% with net income of $43.0M and EPS of $1.78. Over the trailing twelve months, revenue reached $350.0M with a profit margin of 9.2% and EPS of $1.33. For the latest quarter ended June 30, 2026, revenue increased 2.5% year-over-year, while quarterly earnings declined 32.6%.

As of June 30, 2026, Medallion Financial held $275.9M in cash and short-term investments against total debt of $345.9M, resulting in net debt of $70.0M. Total assets stood at $3.19B against shareholders' equity of $406.0M, representing a debt-to-equity ratio of 0.85 and a current ratio of 50.49. In FY2025, the company generated $126.3M in operating cash flow and free cash flow. Capital deployment included $11.0M in dividends paid and $986,000 in share buybacks.

Trading at a market capitalization of $256.9M and an enterprise value of $2.78B, Medallion Financial carries a trailing P/E of 8.4x and a forward P/E of 7.7x. Both multiples trade at a discount to the median of its US-listed Financial Services peers, which sit at a trailing P/E of 12.1x and forward P/E of 10.8x. Its price-to-sales ratio is 0.7x, compared to the peer median of 3.2x. Over the past year, MFIN gained 20.2%, outperforming the S&P 500 (SPY) return of 16.8%, but its 5-year return of 64.4% trailed the SPY return of 83.0%.

Medallion Financial pays a forward annual dividend of $0.56 per share, representing a dividend yield of 5.01%. The company maintains a payout ratio of 39.1% and distributes dividends on a quarterly schedule. It has paid dividends for 5 consecutive years, with its last ex-dividend date occurring on August 17, 2026.

Wall Street coverage consists of 1 Strong Buy rating and 3 Hold ratings, with 0 Buy, Sell, or Strong Sell recommendations. The mean price target of $11.92 represents a 6.5% premium to the last close of $11.19 on October 16, 2026. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $1.15 and revenue of $232.1M. Medallion Financial beat EPS estimates in 3 of the last 4 quarters, with its next earnings report scheduled for November 4, 2026.

This page is an AI-written research summary of Medallion Financial Corp. (MFIN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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