(MFIN) Medallion Financial - Ratings and Ratios
Loans, Consumer Finance, Recreational Vehicles, Home Improvement
MFIN EPS (Earnings per Share)
MFIN Revenue
Description: MFIN Medallion Financial
Medallion Financial Corp (NASDAQ:MFIN) is a specialty finance company operating in the United States, offering a diverse range of loan products across five business segments: Recreation Lending, Home Improvement Lending, Commercial Loans, Taxi Medallion Lending, and Strategic Partnership Loans. The companys lending activities span consumer financing for recreational vehicles, home improvements, and commercial industries, as well as taxi medallion loans.
To evaluate MFINs performance, key performance indicators (KPIs) such as Net Interest Margin (NIM), Delinquency Ratio, and Return on Assets (ROA) are crucial. NIM measures the companys ability to generate income from its lending activities, while Delinquency Ratio assesses the credit quality of its loan portfolio. ROA indicates the companys asset utilization efficiency. A review of these KPIs would provide insights into MFINs financial health and operational effectiveness.
MFINs business model is characterized by its diversified lending activities, which can help mitigate risks associated with individual segments. The companys exposure to consumer finance, commercial lending, and taxi medallion lending may be subject to varying economic conditions, regulatory changes, and market trends. Analyzing the companys segment-wise performance, revenue growth, and credit quality would be essential to understanding its overall financial position.
From a valuation perspective, MFINs Price-to-Earnings (P/E) ratio of 6.08 suggests that the stock may be undervalued relative to its earnings. Additionally, the companys Return on Equity (RoE) of 10.33% indicates a relatively decent return for shareholders. Further analysis of the companys dividend yield, payout ratio, and historical valuation multiples would provide a more comprehensive understanding of its investment potential.
MFIN Stock Overview
| Market Cap in USD | 249m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1996-05-23 |
MFIN Stock Ratings
| Growth Rating | 80.5% |
| Fundamental | 70.3% |
| Dividend Rating | 79.9% |
| Return 12m vs S&P 500 | 17.8% |
| Analyst Rating | 3.0 of 5 |
MFIN Dividends
| Dividend Yield 12m | 4.72% |
| Yield on Cost 5y | 20.18% |
| Annual Growth 5y | 8.61% |
| Payout Consistency | 71.8% |
| Payout Ratio | 26.1% |
MFIN Growth Ratios
| Growth Correlation 3m | 83.1% |
| Growth Correlation 12m | 61.7% |
| Growth Correlation 5y | 72.7% |
| CAGR 5y | 36.05% |
| CAGR/Max DD 5y | 0.88 |
| Sharpe Ratio 12m | 1.35 |
| Alpha | 28.69 |
| Beta | 0.562 |
| Volatility | 37.28% |
| Current Volume | 20.8k |
| Average Volume 20d | 49.3k |
| Stop Loss | 10.2 (-3.5%) |
| Signal | 0.52 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (41.8m TTM) > 0 and > 6% of Revenue (6% = 18.5m TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA -1.36pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 791.7% (prev -725.6%; Δ 1517 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 81.1m > Net Income 41.8m (YES >=105%, WARN >=100%) |
| Net Debt (138.7m) to EBITDA (97.3m) ratio: 1.43 <= 3.0 (WARN <= 3.5) |
| Current Ratio 27.92 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (24.0m) change vs 12m ago 2.24% (target <= -2.0% for YES) |
| Gross Margin 41.38% (prev 49.70%; Δ -8.32pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 10.94% (prev 9.85%; Δ 1.10pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.97 (EBITDA TTM 97.3m / Interest Expense TTM 96.3m) >= 6 (WARN >= 3) |
Altman Z'' 6.02
| (A) 0.85 = (Total Current Assets 2.53b - Total Current Liabilities 90.8m) / Total Assets 2.88b |
| (B) 0.05 = Retained Earnings (Balance) 148.0m / Total Assets 2.88b |
| (C) 0.03 = EBIT TTM 93.8m / Avg Total Assets 2.82b |
| (D) 0.06 = Book Value of Equity 148.0m / Total Liabilities 2.35b |
| Total Rating: 6.02 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 70.33
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 24.90% = 5.0 |
| 3. FCF Margin 26.29% = 6.57 |
| 4. Debt/Equity 0.75 = 2.23 |
| 5. Debt/Ebitda 2.99 = -1.75 |
| 6. ROIC - WACC 2.69% = 3.36 |
| 7. RoE 11.14% = 0.93 |
| 8. Rev. Trend 89.18% = 4.46 |
| 9. Rev. CAGR 14.07% = 1.76 |
| 10. EPS Trend -23.85% = -0.60 |
| 11. EPS CAGR 13.64% = 1.36 |
What is the price of MFIN shares?
Over the past week, the price has changed by +4.14%, over one month by +5.67%, over three months by +14.37% and over the past year by +38.68%.
Is Medallion Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MFIN is around 12.49 USD . This means that MFIN is currently undervalued and has a potential upside of +18.16% (Margin of Safety).
Is MFIN a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the MFIN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 12 | 13.5% |
| Analysts Target Price | 12 | 13.5% |
| ValueRay Target Price | 13.7 | 29.6% |
Last update: 2025-08-25 04:42
MFIN Fundamental Data Overview
CCE Cash And Equivalents = 213.5m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 6.1143
P/S = 0.7486
P/B = 0.638
P/EG = 0.41
Beta = 1.268
Revenue TTM = 308.7m USD
EBIT TTM = 93.8m USD
EBITDA TTM = 97.3m USD
Long Term Debt = 199.9m USD (from longTermDebt, last quarter)
Short Term Debt = 90.8m USD (from shortTermDebt, last quarter)
Debt = 290.7m USD (Calculated: Short Term 90.8m + Long Term 199.9m)
Net Debt = 138.7m USD (from netDebt column, last quarter)
Enterprise Value = 325.9m USD (248.7m + Debt 290.7m - CCE 213.5m)
Interest Coverage Ratio = 0.97 (Ebit TTM 93.8m / Interest Expense TTM 96.3m)
FCF Yield = 24.90% (FCF TTM 81.1m / Enterprise Value 325.9m)
FCF Margin = 26.29% (FCF TTM 81.1m / Revenue TTM 308.7m)
Net Margin = 13.55% (Net Income TTM 41.8m / Revenue TTM 308.7m)
Gross Margin = 41.38% ((Revenue TTM 308.7m - Cost of Revenue TTM 181.0m) / Revenue TTM)
Tobins Q-Ratio = 2.20 (Enterprise Value 325.9m / Book Value Of Equity 148.0m)
Interest Expense / Debt = 8.28% (Interest Expense 24.1m / Debt 290.7m)
Taxrate = 33.38% (from yearly Income Tax Expense: 21.0m / 62.9m)
NOPAT = 62.5m (EBIT 93.8m * (1 - 33.38%))
Current Ratio = 27.92 (Total Current Assets 2.53b / Total Current Liabilities 90.8m)
Debt / Equity = 0.75 (Debt 290.7m / last Quarter total Stockholder Equity 389.9m)
Debt / EBITDA = 2.99 (Net Debt 138.7m / EBITDA 97.3m)
Debt / FCF = 3.58 (Debt 290.7m / FCF TTM 81.1m)
Total Stockholder Equity = 375.7m (last 4 quarters mean)
RoA = 1.45% (Net Income 41.8m, Total Assets 2.88b )
RoE = 11.14% (Net Income TTM 41.8m / Total Stockholder Equity 375.7m)
RoCE = 16.30% (Ebit 93.8m / (Equity 375.7m + L.T.Debt 199.9m))
RoIC = 9.39% (NOPAT 62.5m / Invested Capital 665.7m)
WACC = 6.70% (E(248.7m)/V(539.5m) * Re(8.09%)) + (D(290.7m)/V(539.5m) * Rd(8.28%) * (1-Tc(0.33)))
Shares Correlation 5-Years: -10.0 | Cagr: -0.97%
Discount Rate = 8.09% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 78.68% ; FCFE base≈94.8m ; Y1≈98.4m ; Y5≈112.5m
Fair Price DCF = 84.33 (DCF Value 1.96b / Shares Outstanding 23.2m; 5y FCF grow 3.93% → 3.0% )
Revenue Correlation: 89.18 | Revenue CAGR: 14.07%
Rev Growth-of-Growth: -13.10
EPS Correlation: -23.85 | EPS CAGR: 13.64%
EPS Growth-of-Growth: 7.65
Additional Sources for MFIN Stock
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