Northland Capmk Has Pessimistic Outlook of MFIN Q3 Earnings

Key Points

• Northland Capital Markets lowered its Q3 2025 earnings estimate for Medallion Financial from $0.36 to $0.29 per share, reflecting a more pessimistic outlook.
• Analyst upgrades from Wall Street Zen and Ladenburg Thalm/SH indicate shifting sentiment, with ratings moving from "buy" to "strong-buy" and a new price objective of $12.00.
• Medallion Financial announced a quarterly dividend of $0.12 per share, representing an annualized yield of 4.7%.

Medallion Financial Corp. (NASDAQ:MFIN - Free Report) - Analysts at Northland Capmk dropped their Q3 2025 earnings per share estimates for shares of Medallion Financial in a research note issued to investors on Thursday, July 31st. Northland Capmk analyst M. Grondahl now anticipates that the credit services provider will post earnings of $0.29 per share for the quarter, down from their previous estimate of $0.36. The consensus estimate for Medallion Financial's current full-year earnings is $1.46 per share. Northland Capmk also issued estimates for Medallion Financial's Q4 2025 earnings at $0.28 EPS, Q1 2026 earnings at $0.27 EPS, Q2 2026 earnings at $0.27 EPS, Q3 2026 earnings at $0.29 EPS and Q4 2026 earnings at $0.30 EPS.

MFIN has been the topic of a number of other research reports. Wall Street Zen upgraded shares of Medallion Financial from a "buy" rating to a "strong-buy" rating in a research note on Sunday. LADENBURG THALM/SH SH upgraded Medallion Financial from a "neutral" rating to a "buy" rating and set a $12.00 price objective for the company in a report on Thursday.

Medallion Financial Price Performance

Shares of MFIN opened at $10.14 on Monday. The company's 50-day moving average is $9.53 and its 200-day moving average is $9.05. The company has a debt-to-equity ratio of 0.44, a current ratio of 1.18 and a quick ratio of 1.12. The firm has a market capitalization of $235.65 million, a PE ratio of 5.76 and a beta of 1.28. Medallion Financial has a fifty-two week low of $7.21 and a fifty-two week high of $10.75.

Medallion Financial (NASDAQ:MFIN - Get Free Report) last announced its quarterly earnings results on Wednesday, July 30th. The credit services provider reported $0.46 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.30 by $0.16. Medallion Financial had a return on equity of 9.51% and a net margin of 12.62%. The business had revenue of $53.37 million during the quarter, compared to the consensus estimate of $52.07 million.

Institutional Investors Weigh In On Medallion Financial

A number of institutional investors have recently modified their holdings of MFIN. Geode Capital Management LLC increased its position in Medallion Financial by 0.5% during the fourth quarter. Geode Capital Management LLC now owns 419,217 shares of the credit services provider's stock worth $3,937,000 after acquiring an additional 2,261 shares during the period. Northern Trust Corp lifted its stake in Medallion Financial by 4.6% during the fourth quarter. Northern Trust Corp now owns 148,666 shares of the credit services provider's stock worth $1,396,000 after purchasing an additional 6,553 shares during the last quarter. Bridgeway Capital Management LLC boosted its stake in Medallion Financial by 5.8% in the fourth quarter. Bridgeway Capital Management LLC now owns 134,584 shares of the credit services provider's stock valued at $1,264,000 after buying an additional 7,421 shares in the last quarter. O Shaughnessy Asset Management LLC lifted its stake in Medallion Financial by 37.3% in the 4th quarter. O Shaughnessy Asset Management LLC now owns 132,143 shares of the credit services provider's stock valued at $1,241,000 after purchasing an additional 35,917 shares during the last quarter. Finally, Bank of New York Mellon Corp increased its holdings in Medallion Financial by 1.0% in the 1st quarter. Bank of New York Mellon Corp now owns 126,625 shares of the credit services provider's stock worth $1,103,000 after purchasing an additional 1,258 shares in the last quarter. Institutional investors own 40.56% of the company's stock.

Medallion Financial Announces Dividend

The company also recently announced a quarterly dividend, which will be paid on Friday, August 29th. Stockholders of record on Friday, August 15th will be issued a dividend of $0.12 per share. The ex-dividend date of this dividend is Friday, August 15th. This represents a $0.48 dividend on an annualized basis and a dividend yield of 4.7%. Medallion Financial's dividend payout ratio (DPR) is currently 27.27%.

Medallion Financial Company Profile

Medallion Financial Corp., together with its subsidiaries, operates as a specialty finance company in the United States. It operates in four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Taxi Medallion Lending. The company offers loans that finance consumer purchases of recreational vehicles, boats, and other consumer recreational equipment; consumer financing for window, siding, and roof replacement, swimming pool installations, and other home improvement projects; senior and subordinated loans for the purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and taxi medallion loans to individuals and small to mid-size businesses.

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