MFIN

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Medallion Financial Corp.

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Key Metrics

Previous Close: $11.43
52-Week Range: $7.85 – $11.57
Market Cap: $262.89M
P/E (TTM): 8.61
EPS (TTM): 1.33
Dividend Yield: 4.89%

Advanced Metrics

Price/Book: 0.63
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: $2.79B

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
Long-Term Debt	$214.32M	$235.54M	$232.16M	$215.99M
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	—
Selling, General & Admin	$10.83M	$10.82M	$12.13M	$12.13M	—
Pretax Income	$19.47M	$19.48M	$20.70M	$11.62M	—
Income Tax	$5.80M	$5.86M	$6.16M	$4.33M	—
Net Income	$11.07M	$11.28M	$12.20M	$4.95M	—
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	$131.51M	$110.36M	$72.46M	$136.27M	$93.92M
Receivables	$14.44M	$15.29M	$16.97M	$19.40M	$19.26M
Total Assets	$2.85B	$2.88B	$2.90B	$2.96B	$2.95B
Long-Term Debt	$199.66M	$199.93M	$215.70M	$215.99M	$214.16M
Total Debt	$318.24M	$293.02M	$301.71M	$318.48M	$265.35M
Total Liabilities	$2.40B	$2.35B	$2.40B	$2.45B	$2.44B
Retained Earnings	$139.72M	$148.00M	$152.97M	$162.37M	$164.47M
Shareholders' Equity	$380.22M	$389.90M	$397.45M	$408.62M	$408.08M
Net Debt	$179.90M	$176.32M	$223.49M	$174.97M	$164.74M

MFIN Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$33.15M	-$7.61M	$66.98M	$33.77M	$41.32M
Free Cash Flow	$33.15M	-$7.61M	$66.98M	$33.77M	$41.32M
Depreciation & Amortisation	$2.10M	$2.11M	$2.05M	$2.06M	$2.04M
Stock-Based Compensation	$1.69M	$1.68M	$1.69M	$1.68M	$2.08M
Investing Cash Flow	-$1.58M	-$28.71M	-$72.86M	-$21.34M	-$86.03M
Financing Cash Flow	-$43.14M	$30.32M	$4.86M	$38.16M	-$18.20M
Dividends Paid	-$2.86M	-$2.70M	-$2.70M	-$2.71M	-$3.10M
Share Repurchases	-$531.00K	-$455.00K	$0.00	$0.00	$0.00
Net Change in Cash	-$11.58M	-$6.00M	-$1.02M	$50.59M	-$62.91M

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.