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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 Framework: Banks & Lenders Micro Cap
Medallion Financial Corp. (MFIN), is a Micro Cap company, in the Credit Services industry, last closed at $9.81, about 71.7% undervalued vs fair value, +3.7% 1Y return, ranked 389/1037 in sector.
Metrics Rev Growth 73.5% ROE 11.1% Gross Margin 96.8%
USD 9.81
0.00%
(Delayed)
• Vol 90d: 31.5%
52-Week Range
Market Cap
$234.00M
Enterprise Value
$348.71M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 48%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Jul 29 Estimated

Fair Value Snapshot

Bear Base Bull
$9
$17
$32
Current: $9.81 +72% 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 Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
60
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing MFIN's balance between Growth (26.6%), Profitability (41.6%), and Safety (31.8%). Growth 27% Safety 32% Profitability 42%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

50th percentile vs peers
50
Key Signals
NII Growth YoY 7.7% 71p Asset Growth YoY 3.0% 44p Equity Growth YoY 7.9% 60p EPS Growth YoY -35.9% 14p
Strengths
  • Net Interest Margin in top 20% of peers (7.1%, 95th percentile)
  • ROTE in top 20% of peers (19.3%, 87th percentile)
  • Conservative leverage compared to industry peers
Risks
  • EPS Growth YoY in bottom 20% of peers (-35.9%)

Profitability

78th percentile vs peers
79
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
60
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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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$16.84
- - -
+71.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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