MFIN

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Medallion Financial Corp.

Regulated industry Consumer brandTags from an AI model reading the company description.

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Key Metrics

Previous Close: $11.91
52-Week Range: $7.85 – $12.26
Market Cap: $273.00M
P/E (TTM): 8.94
EPS (TTM): 1.33
Dividend Yield: 4.70%

Advanced Metrics

Price/Book: 0.66
PEG Ratio: 0.77
Return on Equity: 8.71%
Return on Assets: 3.47%
Gross Margin: 74.00%
Operating Margin: 46.85%
Profit Margin: 9.25%
Current Ratio: 35.02
Debt/Equity: 5.22
Total Debt: $2.64B
Free Cash Flow: $-229.35M
Revenue Growth: 2.50%
Earnings Growth: -32.60%
Enterprise Value: $2.80B

MFIN Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$162.25M	$189.87M	$203.09M	$243.39M
Selling, General & Admin	$33.51M	$40.03M	$41.03M	$44.45M
Pretax Income	$67.85M	$86.04M	$62.94M	$79.89M
Income Tax	$17.96M	$24.91M	$21.01M	$24.54M
Net Income	$43.84M	$55.08M	$35.88M	$46.56M
Diluted EPS	1.83	2.37	1.52	1.78
Diluted Shares	23.93M	23.25M	23.61M	24.25M

MFIN Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$33.17M	$52.59M	$98.24M	$136.27M
Receivables	$14.71M	$14.21M	$17.45M	$19.40M
Total Assets	$2.26B	$2.59B	$2.87B	$2.96B
Total Debt	$229.93M	$253.06M	$288.59M	$318.48M
Total Liabilities	$1.89B	$2.18B	$2.43B	$2.45B
Retained Earnings	$66.67M	$103.88M	$130.26M	$162.37M
Shareholders' Equity	$301.74M	$342.99M	$370.17M	$408.62M
Net Debt	$186.15M	$190.95M	$182.92M	$174.97M

MFIN Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$108.74M	$113.78M	$108.68M	$126.28M
Free Cash Flow	$108.74M	$113.78M	$108.68M	$126.28M
Depreciation & Amortisation	$5.23M	$5.24M	$6.22M	$8.32M
Stock-Based Compensation	$3.48M	$4.71M	$6.05M	$6.74M
Investing Cash Flow	-$449.00M	-$340.71M	-$328.94M	-$124.49M
Financing Cash Flow	$321.38M	$271.18M	$239.99M	$30.20M
Dividends Paid	-$7.54M	-$7.70M	-$9.39M	-$10.97M
Share Repurchases	-$20.62M	$0.00	-$4.61M	-$986.00K
Net Change in Cash	-$18.89M	$44.25M	$19.73M	$31.99M

MFIN Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$59.68M	$55.88M	$67.63M	$52.93M	$57.36M
Selling, General & Admin	$11.26M	$10.82M	$12.13M	$12.13M	$12.39M
Pretax Income	$19.47M	$19.48M	$20.70M	$11.62M	$14.50M
Income Tax	$5.80M	$5.86M	$6.16M	$4.33M	$4.72M
Net Income	$11.07M	$11.28M	$12.20M	$4.95M	$7.45M
Diluted EPS	0.46	0.32	0.50	0.20	0.31
Diluted Shares	24.06M	24.44M	24.59M	24.55M	24.01M

MFIN Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$110.36M	$72.46M	$136.27M	$93.92M	$172.58M
Receivables	$15.29M	$16.97M	$19.40M	$19.26M	$22.07M
Total Assets	$2.88B	$2.90B	$2.96B	$2.95B	$3.19B
Long-Term Debt	$199.93M	$215.70M	$215.99M	$214.16M	$287.55M
Total Debt	$293.02M	$301.71M	$318.48M	$265.35M	$346.42M
Total Liabilities	$2.35B	$2.40B	$2.45B	$2.44B	$2.69B
Retained Earnings	$148.00M	$152.97M	$162.37M	$164.47M	$168.59M
Shareholders' Equity	$389.90M	$397.45M	$408.62M	$408.08M	$406.02M
Net Debt	$176.32M	$223.49M	$174.97M	$164.74M	$169.47M

MFIN Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$22.96M	$82.33M	$33.77M	$41.32M	$17.48M
Free Cash Flow	-$22.96M	$82.33M	$33.77M	$41.32M	$17.48M
Depreciation & Amortisation	$2.11M	$2.05M	$2.06M	$2.04M	$2.19M
Stock-Based Compensation	$1.68M	$1.69M	$1.68M	$2.08M	$1.90M
Investing Cash Flow	-$13.36M	-$88.21M	-$21.34M	-$86.03M	-$187.25M
Financing Cash Flow	$30.32M	$4.86M	$38.16M	-$18.20M	$237.11M
Dividends Paid	-$2.70M	-$2.70M	-$2.71M	-$3.10M	-$3.23M
Share Repurchases	-$455.00K	$0.00	$0.00	$0.00	-$7.68M
Net Change in Cash	-$6.00M	-$1.02M	$50.59M	-$62.91M	$67.34M

Market Snapshot

About

Medallion Financial Corp. is a specialty finance company with a unique niche in taxi medallion lending and consumer loans. The company also provides commercial lending services and operates a consumer finance platform, serving underbanked borrowers and niche transportation markets.