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Company Analysis

Medallion Financial Corp. MFIN

A comprehensive view of key metrics, scores, and financial health for Medallion Financial Corp.

Overview of Medallion Financial Corp.

MFIN NMS
Financial Services Credit Services Micro Cap
Medallion Financial Corp. (MFIN), is a Micro Cap company, in the Credit Services industry, last closed at $9.35, about 80.1% undervalued vs fair value, +6.6% 1Y return, ranked 385/1004 in sector.
$9.35
0.11%
As of March 13, 2026
Previous close • Vol 90d: 27.6%
52-Week Range
Market Cap
$223.56M
Enterprise Value
$338.27M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.medallion.com
HQ New York, NY
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$9
$17
$32
Current: $9.35 +80% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$290.7M
15.8%%
Interest Expense
$98.4M
Net Interest Income
$202.5M
7.7%%
Total Revenue
$353.3M
73.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.7%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$14.0M
39.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Medallion Financial Corp.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
70
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
62
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing MFIN's balance between Growth (34.8%), Profitability (36.6%), and Safety (28.6%). Growth 35% Safety 29% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
64
Key Signals
Rev Growth YoY 73.5% 82p Revenue CAGR 3Y 29.6% 90p TSR 84.7% 93p EPS CAGR 3Y -11.2% 28p EPS Growth YoY -35.9% 14p
Strengths
  • Rev Growth Yoy in top 20% of peers (73.5%, 82th percentile)
  • Revenue Cagr 3Y in top 20% of peers (29.6%, 90th percentile)
  • Growth above peer median with strong metric coverage (100%)
  • Tsr in top 20% of peers (84.7%, 93th percentile)
Risks
  • Eps Growth Yoy in bottom 20% of peers (-35.9%)

Profitability

66th percentile vs peers
67
Key Signals
Strengths
Risks
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Safety

52th percentile vs peers
52
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Medallion Financial Corp..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$16.84
- - -
+80.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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