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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 $10.02, about 74.7% undervalued vs fair value, +1.3% 1Y return, ranked 382/1078 in sector.
Metrics P/E 5.4× Rev Growth 19.8% ROE 12.0% Gross Margin 140.4% Div Yield 4.58%
USD 10.02
-0.79%
(Delayed)
• Vol 90d: 35.8%
52-Week Range
Market Cap
$231.90M
Enterprise Value
$500.80M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 96%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Dividend Nov 9

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $10.02 +75% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$315.3M
8.5%%
Interest Expense
$98.4M
Net Interest Income
$216.9M
7.1%%
Total Revenue
$243.4M
19.8%%
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
10.5%
Good

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

$12.0M
27.8% 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
77
/100
Strong
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.72).
  • Strong Net Interest Margin Net interest margin proxy is strong (score 0.95).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Strong
77
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

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 (26.0%), Profitability (40.6%), and Safety (33.3%). Growth 26% Safety 33% Profitability 41%

Click axes to expand details. Marker shows current allocation.

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Growth

45th percentile vs peers
46
Key Signals
Asset Growth YoY 3.0% 39p NII Growth YoY 7.1% 38p EPS Growth YoY 26.3% 60p Equity Growth YoY 10.4% 54p
Strengths
  • Net Interest Margin in top 20% of peers (7.3%, 95th percentile)
  • ROTE in top 20% of peers (21.1%, 92th percentile)
  • ROA in top 20% of peers (1.6%, 84th percentile)
  • Equity/Assets in top 20% of peers (17.2%, 90th percentile)
  • Financial Leverage in top 20% of peers (7.48, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

71th percentile vs peers
72
Key Signals
Strengths
Risks
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Safety

58th percentile vs peers
59
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
$17.50
- - -
+74.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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