Medallion Financial (MFIN) Stock Price, News & Analysis

Company Overview

Medallion Financial Corporation is a specialty finance company that provides asset-based lending solutions to small and mid-sized businesses in the United States. The company’s core business activities include secured loans collateralized by business assets such as insurance premiums, commercial real estate, maritime assets and portfolio receivables. Through its insurance premium finance division, Medallion offers short-term loans that allow policyholders to spread insurance costs over multiple payments, while its portfolio financing arm provides funding against a borrower’s existing asset portfolios.

Founded in 1998 and headquartered in Minneapolis, Minnesota, Medallion Financial originally established itself in the taxi medallion lending market, extending loans secured by New York City cab medallions. Over time, the company diversified its book of business to include a broader range of asset classes and geographic markets across the U.S. This evolution has enabled Medallion to mitigate concentration risk and capitalize on financing niches underserved by traditional banks.

Under the leadership of President and Chief Executive Officer Christopher M. Steckler, Medallion Financial emphasizes disciplined underwriting and risk management. The company maintains a lean operating model, originating most loans directly through its in-house credit team. Medallion’s approach combines customized financing solutions with ongoing portfolio oversight, positioning it as a resource for businesses seeking flexible funding structures backed by tangible collateral.

Key Stats

• Today's Range: $10.37 to $10.64
• 50-Day Range: $9.29 to $10.79
• 52-Week Range: $7.61 to $10.98
• Volume: 37,089 shs
• Average Volume: 48,664 shs
• Market Capitalization: $243.20 million
• P/E Ratio: 5.93
• Dividend Yield: 4.59%
• Price Target: $12.00
• Consensus Rating: Buy

Medallion Financial Stock Analysis - MarketRank™

Medallion Financial scored higher than 74% of companies evaluated by MarketBeat, and ranked 359th out of 951 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.8 / 5
• Analyst Rating: Buy

Consensus Rating

Medallion Financial has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.

Upside Potential

Medallion Financial has a consensus price target of $12.00, representing about 13.5% upside from its current price of $10.57.

Amount of Analyst Coverage

Medallion Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 10.27%

Earnings Growth

Earnings for Medallion Financial are expected to grow by 10.27% in the coming year, from $1.46 to $1.61 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Medallion Financial is 5.96, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.62.

Price to Earnings Ratio vs. Sector

The P/E ratio of Medallion Financial is 5.96, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 244.66.

Price to Book Value per Share Ratio

Medallion Financial has a P/B Ratio of 0.56. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.77% of the float of Medallion Financial has been sold short.

Short Interest Ratio / Days to Cover

Medallion Financial has a short interest ratio ("days to cover") of 15.3, which indicates bearish sentiment.

Change versus previous month

Short interest in Medallion Financial has recently decreased by 4.72%, indicating that investor sentiment is improving.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Medallion Financial is a leading dividend payer. It pays a dividend yield of 4.54%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Medallion Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Medallion Financial is 27.27%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Medallion Financial will have a dividend payout ratio of 29.81% next year. This indicates that Medallion Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

5.77% of the float of Medallion Financial has been sold short.

Short Interest Ratio / Days to Cover

Medallion Financial has a short interest ratio ("days to cover") of 15.3, which indicates bearish sentiment.

Change versus previous month

Short interest in Medallion Financial has recently decreased by 4.72%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 1.23

News Sentiment

Medallion Financial has a news sentiment score of 1.23. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.02 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Medallion Financial this week, compared to 2 articles on an average week.

MarketBeat Follows

Only 1 people have added Medallion Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Medallion Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

24.60% of the stock of Medallion Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

40.56% of the stock of Medallion Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

MFIN Stock Analysis - Frequently Asked Questions

How have MFIN shares performed this year?

Medallion Financial's stock was trading at $9.39 at the beginning of the year. Since then, MFIN shares have increased by 12.6% and is now trading at $10.57.

How were Medallion Financial's earnings last quarter?

Medallion Financial Corp. (NASDAQ:MFIN) issued its earnings results on Wednesday, July, 30th. The credit services provider reported $0.46 EPS for the quarter, topping analysts' consensus estimates of $0.30 by $0.16. The credit services provider earned $53.37 million during the quarter, compared to the consensus estimate of $52.07 million. Medallion Financial had a net margin of 12.62% and a trailing twelve-month return on equity of 9.04%.
Read the conference call transcript.

Does Medallion Financial have any subsidiaries?

Medallion Financial subsidiaries include these companies: Freshstart Venture Capital Corp, Medallion Bank, Medallion Capital Inc, and Medallion Funding LLC.

Who are Medallion Financial's major shareholders?

Top institutional investors of Medallion Financial include Tieton Capital Management LLC (4.12%), Geode Capital Management LLC (1.76%), Connor Clark & Lunn Investment Management Ltd. (0.95%) and Bridgeway Capital Management LLC (0.61%).
View institutional ownership trends.

How do I buy shares of Medallion Financial?

Shares of MFIN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Medallion Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Medallion Financial investors own include NVIDIA (NVDA), Meta Platforms (META), International Business Machines (IBM), Advanced Micro Devices (AMD), Tesla (TSLA), Alphabet (GOOG) and Broadcom (AVGO).

Company Calendar

• Last Earnings: 7/30/2025
• Record date for 8/29 Dividend: 8/15/2025
• Ex-Dividend for 8/29 Dividend: 8/15/2025
• Dividend Payable: 8/29/2025
• Today: 9/17/2025
• Next Earnings (Estimated): 11/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SBIC&COMMRL
• Sub-Industry: Asset Management & Custody Banks
• Current Symbol: NASDAQ:MFIN
• Previous Symbol: NASDAQ:TAXI
• CIK: 1000209
• Web: www.medallion.com
• Phone: (212) 328-2100
• Fax: 212-328-2121
• Employees: 140
• Year Founded: 1979

Price Target and Rating

• Average Price Target for Medallion Financial: $12.00
• High Price Target: $12.00
• Low Price Target: $12.00
• Potential Upside/Downside: +13.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.76
• Trailing P/E Ratio: 5.96
• Forward P/E Ratio: 7.24
• P/E Growth: N/A
• Net Income: $35.88 million
• Net Margins: 12.62%
• Pretax Margin: 21.83%
• Return on Equity: 9.04%
• Return on Assets: 1.46%

Debt

• Debt-to-Equity Ratio: 0.38
• Current Ratio: 1.20
• Quick Ratio: 1.17

Sales & Book Value

• Annual Sales: $302.03 million
• Price / Sales: 0.81
• Cash Flow: $2.22 per share
• Price / Cash Flow: 4.76
• Book Value: $19.03 per share
• Price / Book: 0.56

Miscellaneous

• Outstanding Shares: 23,250,000
• Free Float: 17,528,000
• Market Cap: $245.75 million
• Optionable: Optionable
• Beta: 1.42