Medallion Financial (MFIN) Stock Insights

MFIN price $11.52 +0.15 +1.32%

Ticker
MFIN
Price
$11.52
Change
+0.15 +1.32%
Market cap ?
$264.50M
P/E ?
8.16
Forward P/E ?
10.04
Dividend yield ?
4.55%
Beta ?
0.77
Sector
Financial Services
Industry
Financial - Credit Services
Stocklytics score
60
Value
64
Quality
80
Growth
36

Stocklytics score rationale: value 64, quality 80, growth 36.

Financials

2016201720182019202020212022202320242025
10483900019415000111028000141294000151358000179206000198433000254513000291789000353313000

Medallion Financial Corp. (MFIN), encompassing its various subsidiaries, functions as a diversified financial services provider throughout the United States. The company's operations are distinctly segmented into Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. MFIN specializes in extending credit for consumer acquisitions of recreational vehicles, boats, and trailers, as well…

Fair value

MFIN fair value $28.22. Price $11.52. Price is 59% below fair value.

Below fair value, but more expensive than usual. A smaller discount than on 97% of days in the past 5 years.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

Calculated with a 10-year free-cash-flow discount. Starting free cash flow 159.54M. Growth 20.00%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 8.70% (beta 0.8). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 22.96M. Net debt 114.71M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the median P/E of the company's industry. That median uses listed stocks worth at least $10 billion with a positive P/E of 100 or below, and the industry needs at least eight of them. Otherwise the sector median is used when that group also has at least eight, then the market median of those large companies. The multiple used is the lower of that median and 1.25 times the stock's own 10-year median P/E, then kept between 8 and 30. If the stock has no 10-year median, the peer median is kept between 8 and 30. Fair value is the average of the cash-flow value and the earnings value when both exist. Card and credit companies use the earnings value only, because changes in customer receivables distort free cash flow. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.

Compare MFIN

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2026-10-29—0.32—63.54M
2026-07-290.310.2958.06M58.98M
2026-04-290.200.2554.06M56.15M
2026-02-180.500.4156.42M55.92M
2025-10-290.460.2954.22M56.20M
2025-07-300.460.3057.93M55.62M
2025-04-300.500.3258.66M53.99M
2025-03-040.430.3358.74M54.32M
2024-10-290.370.3748.88M52.30M
2024-07-300.300.3846.62M49.54M
2024-04-300.420.3650.85M50.22M
2024-02-200.600.6349.67M49.89M
2023-10-300.480.4549.04M48.51M
2023-07-240.620.3644.69M44.65M
2023-05-010.670.3042.18M39.30M
2023-02-220.570.3040.99M40.17M
2022-10-270.320.2738.15M38.83M
2022-07-270.540.3043.25M37.80M
2022-05-020.390.3134.55M35.76M
2022-02-230.780.3247.23M37.43M
2021-11-010.640.2838.90M27.50M
2021-08-020.410.2933.19M30.91M
2021-05-030.270.1928.75M22.47M
2021-02-170.260.2531.09M31.05M
2020-11-02-0.970.1143.69M358.52M
2020-08-03-0.16-0.0536.64M35.12M
2020-04-30-0.410.1223.01M4.19M
2020-02-200.110.1126.28M29.55M
2019-10-300.200.0931.34M27.26M
2019-08-05-0.310.1123.30M8.83M
2019-05-060.050.0533.05M29.18M
2019-02-270.38-0.1021.99M1.58M
2018-11-12-0.190.0632.41M12.08M
2018-08-13-0.600.0727.73M3.75M
2018-05-14-0.13-0.013.97M3.96M
2018-03-01-0.12-0.02-10.03M8.89M
2017-11-07-0.100.105.51M21.70M
2017-08-09-0.05—3.80M—
2017-05-09-0.02—4.70M—
2017-03-070.08-0.7162.79M7.60M

Dividends

Yield 4.51%. Payout ratio 32.73%. Frequency Quarterly.

Safety score 100/100 · Safe. Payout ratio is 33% of earnings. Dividends use less than 40% of free cash flow. Dividends were paid in 26 separate years. Yield is 4.5%, in a range that is usually sustainable.

Ex-dateDividendRecordPaymentFrequency
2026-08-17$0.142026-08-172026-08-31Quarterly
2026-05-11$0.142026-05-112026-05-21Quarterly
2026-03-19$0.122026-03-192026-03-31Quarterly
2025-11-12$0.122025-11-122025-11-24Quarterly
2025-08-15$0.122025-08-152025-08-29Quarterly
2025-05-15$0.122025-05-152025-05-30Quarterly
2025-03-17$0.112025-03-172025-03-31Quarterly
2024-11-15$0.112024-11-152024-11-27Quarterly
2024-08-15$0.102024-08-152024-08-30Quarterly
2024-05-14$0.102024-05-152024-05-31Quarterly
2024-03-14$0.102024-03-152024-03-28Quarterly
2023-11-14$0.102023-11-152023-11-30Quarterly
2023-08-14$0.082023-08-152023-08-31Quarterly
2023-05-12$0.082023-05-152023-05-31Quarterly
2023-03-14$0.082023-03-152023-03-31Quarterly
2022-11-14$0.082022-11-152022-11-30Quarterly
2022-08-12$0.082022-08-152022-08-31Quarterly
2022-05-13$0.082022-05-162022-05-31Quarterly
2022-03-11$0.082022-03-142022-03-31Quarterly
2016-11-28$0.052016-11-302016-12-07Quarterly
2016-08-22$0.052016-08-242016-08-31Quarterly
2016-05-16$0.252016-05-182016-05-26Quarterly
2016-03-29$0.252016-03-312016-04-11Quarterly
2015-11-10$0.252015-11-132015-11-20Quarterly
2015-08-13$0.252015-08-172015-08-24Quarterly
2015-05-12$0.252015-05-142015-05-21Quarterly
2015-03-13$0.242015-03-172015-03-24Quarterly
2014-11-10$0.242014-11-132014-11-21Quarterly
2014-08-12$0.242014-08-142014-08-21Quarterly
2014-05-14$0.242014-05-162014-05-23Quarterly
2014-03-12$0.232014-03-142014-03-21Quarterly
2013-11-13$0.232013-11-152013-11-27Quarterly
2013-08-14$0.222013-08-162013-08-23Quarterly
2013-05-15$0.222013-05-172013-05-24Quarterly
2013-03-19$0.222013-03-212013-03-28Quarterly
2012-11-14$0.212012-11-162012-11-27Quarterly
2012-08-14$0.212012-08-162012-08-24Quarterly
2012-05-11$0.212012-05-152012-05-25Quarterly
2012-03-21$0.202012-03-232012-03-30Special
2011-11-14$0.192011-11-162011-11-23Quarterly
2011-08-17$0.182011-08-192011-09-02Quarterly
2011-05-18$0.172011-05-202011-05-31Quarterly
2011-03-14$0.162011-03-152011-03-25Special
2010-11-12$0.152010-11-162010-11-23Quarterly
2010-08-18$0.152010-08-202010-09-03Quarterly
2010-05-19$0.152010-05-212010-05-28Quarterly
2010-03-11$0.152010-03-152010-03-22Quarterly
2009-11-18$0.192009-11-202009-11-30Quarterly
2009-08-26$0.192009-08-282009-09-14Quarterly
2009-05-20$0.192009-05-222009-06-09Quarterly
2009-03-13$0.192009-03-132009-03-30Quarterly
2008-11-19$0.192008-11-212008-12-12Quarterly
2008-08-13$0.192008-08-152008-08-29Quarterly
2008-05-14$0.192008-05-162008-06-02Quarterly
2008-03-12$0.192008-03-142008-03-31Quarterly
2007-11-20$0.192007-11-232007-12-07Quarterly
2007-08-15$0.192007-08-172007-08-31Quarterly
2007-05-16$0.192007-05-182007-06-01Quarterly
2007-03-28$0.192007-03-302007-04-13Special
2006-11-21$0.182006-11-242006-12-08Quarterly
2006-08-16$0.172006-08-182006-08-30Quarterly
2006-05-11$0.162006-05-122006-05-25Quarterly
2006-03-08$0.152006-03-102006-03-27Quarterly
2005-11-23$0.142005-11-282005-12-12Quarterly
2005-08-17$0.132005-08-192005-08-31Quarterly
2005-05-18$0.122005-05-202005-05-31Quarterly
2005-03-09$0.112005-03-112005-03-25Quarterly
2004-11-09$0.102004-11-122004-11-22Quarterly
2004-08-10$0.082004-08-122004-08-26Quarterly
2004-05-12$0.082004-05-142004-05-24Quarterly
2004-03-10$0.072004-03-122004-03-26Quarterly
2003-11-12$0.052003-11-142003-11-21Quarterly
2003-08-06$0.032003-08-082003-08-18Quarterly
2003-05-14$0.012003-05-162003-05-27Special
2002-08-29$0.032002-09-032002-09-13Special
2001-12-27$0.092001-12-312002-01-14Quarterly
2001-08-29$0.152001-08-312001-09-10Quarterly
2001-05-22$0.142001-05-242001-06-05Semi-Annual
2000-12-06$0.362000-12-082001-01-12Special
2000-10-11$0.152000-10-152000-12-01Monthly

Insider trades

DateInsiderActionSharesPriceValue
2026-06-25Poulton Donald S.Sell40.77K$9.97406.48K
2026-06-09EVERETS JOHNBuy12.98K——
2026-06-09MEYER ROBERTBuy12.98K——
2026-06-09Hallenbeck Cynthia ABuy12.98K——
2026-06-09Hatch Brent O.Buy12.98K——
2026-06-09RUDNICK DAVID LBuy12.98K——
2026-06-09TANENBAUM ALLAN JBuy12.98K——
2026-03-10MURSTEIN ANDREWBuy323.87K——
2026-03-10MURSTEIN ANDREWSell165.34K$9.591.59M
2026-03-10Cutrone Anthony N.Buy84.86K——
2026-03-10Cutrone Anthony N.Sell41.62K$9.59399.15K
2026-03-10Haley David JustinBuy39.15K——
2026-03-10Haley David JustinSell17.17K$9.59164.64K
2026-03-10MURSTEIN ALVINBuy72.10K——
2026-03-10Poulton Donald S.Buy101.83K——
2026-03-10MURSTEIN ALVINSell36.81K$9.59353.00K
2026-03-10Poulton Donald S.Sell44.65K$9.59428.22K
2026-03-01Rudnick Jeffrey D.Sell3.30K$10.0933.28K
2026-03-01Rozovsky Samantha K.Sell2.00K$10.0920.20K
2026-03-01Haley David JustinSell7.82K$10.0978.89K
2026-03-01Cutrone Anthony N.Sell13.99K$10.09141.18K
2026-03-01MURSTEIN ANDREWSell51.88K$10.09523.45K
2026-03-01Munson Thomas J.Sell6.11K$10.0961.62K
2026-03-01Poulton Donald S.Sell15.00K$10.09151.31K
2026-03-01Silverman Marisa T.Sell13.54K$10.09136.62K
2026-03-01MURSTEIN ALVINSell11.97K$10.09120.81K
2026-02-10Haley David JustinBuy25.94K——
2026-02-10Rudnick Jeffrey D.Buy5.21K——
2026-02-10Cutrone Anthony N.Buy24.49K——
2026-02-10MURSTEIN ALVINBuy39.60K——
2026-02-10Silverman Marisa T.Buy19.30K——
2026-02-10Munson Thomas J.Buy9.65K——
2026-02-10Rozovsky Samantha K.Buy8.69K——
2026-02-10MURSTEIN ANDREWBuy77.22K——
2026-02-10Poulton Donald S.Buy58.76K——
2025-09-10Haley David JustinBuy13.27K$6.6888.67K
2025-09-10Haley David JustinBuy5.20K$6.5534.08K
2025-09-10Haley David JustinSell5.20K$6.5534.08K
2025-09-10Haley David JustinSell13.27K$6.6888.67K
2025-08-18Rozovsky Samantha K.Other0——
2025-08-18Rozovsky Samantha K.Other2.02K$7.2514.64K
2025-08-18Rozovsky Samantha K.Other583$6.553.82K
2025-07-24Rudnick Jeffrey D.Other0——
2025-07-24Rudnick Jeffrey D.Other1.07K$6.797.28K
2025-06-12TANENBAUM ALLAN JBuy13.17K——
2025-06-12RUDNICK DAVID LBuy13.17K——
2025-06-12Hallenbeck Cynthia ABuy13.17K——
2025-06-12EVERETS JOHNBuy13.17K——
2025-06-12Hatch Brent O.Buy13.17K——
2025-06-12MEYER ROBERTBuy13.17K——
2025-06-06Haley David JustinBuy850$6.555.57K
2025-06-06Haley David JustinSell850$6.555.57K
2025-05-08RUDNICK DAVID LBuy12.00K$5.5866.96K
2025-05-08RUDNICK DAVID LSell12.00K$5.5866.96K
2025-05-05Haley David JustinBuy800$6.555.24K
2025-05-05Haley David JustinSell800$6.555.24K
2025-03-04Munson Thomas J.Sell501$8.174.09K
2025-03-04MURSTEIN ALVINSell2.07K$8.1716.93K
2025-03-04Silverman Marisa T.Sell712$8.175.82K
2025-03-04Haley David JustinSell679$8.175.55K
2025-03-04Poulton Donald S.Sell2.22K$8.1718.15K
2025-03-04MURSTEIN ANDREWSell7.54K$8.1761.64K
2025-03-01Munson Thomas J.Sell5.87K$8.3448.96K
2025-03-01MURSTEIN ANDREWSell62.50K$8.34521.23K
2025-03-01Poulton Donald S.Sell16.68K$8.34139.07K
2025-03-01Haley David JustinSell6.11K$8.3450.94K
2025-03-01Silverman Marisa T.Sell11.71K$8.3497.64K
2025-03-01MURSTEIN ALVINSell15.30K$8.34127.62K
2025-03-01Cutrone Anthony N.Sell12.47K$8.34103.98K
2025-02-13Haley David JustinBuy20.63K——
2025-02-13Silverman Marisa T.Buy23.61K——
2025-02-13Munson Thomas J.Buy11.81K——
2025-02-13Cutrone Anthony N.Buy29.05K——
2025-02-13MURSTEIN ANDREWBuy94.45K——
2025-02-13Poulton Donald S.Buy34.87K——
2025-02-13MURSTEIN ALVINBuy23.51K——
2024-09-10Cutrone Anthony N.Buy1.00K$7.507.50K
2024-09-10Cutrone Anthony N.Buy500$7.503.75K
2024-09-06Cutrone Anthony N.Buy2.00K$7.5215.05K
2024-09-06Cutrone Anthony N.Buy2.00K$7.5315.05K
2024-09-05Haley David JustinBuy610$6.554.00K
2024-09-05Haley David JustinSell610$6.554.00K
2024-08-07Haley David JustinBuy600$6.553.93K
2024-08-07Haley David JustinSell600$6.553.93K
2024-06-11TANENBAUM ALLAN JBuy13.97K——
2024-06-11RUDNICK DAVID LBuy13.97K——
2024-06-11MEYER ROBERTBuy13.97K——
2024-06-11Hallenbeck Cynthia ABuy13.97K——
2024-06-11Hatch Brent O.Buy13.97K——
2024-06-11EVERETS JOHNBuy13.97K——
2024-05-06Haley David JustinBuy650$6.554.26K
2024-05-06Haley David JustinSell650$6.554.26K
2024-03-04Silverman Marisa T.Sell713$8.185.83K
2024-03-04Munson Thomas J.Sell501$8.184.10K
2024-03-04Poulton Donald S.Sell2.23K$8.1818.23K
2024-03-04MURSTEIN ANDREWSell7.54K$8.1861.72K
2024-03-04MURSTEIN ALVINSell2.07K$8.1816.95K
2024-03-01Silverman Marisa T.Sell7.08K$7.9856.53K
2024-03-01Munson Thomas J.Sell3.88K$7.9830.95K
2024-03-01Haley David JustinBuy1.00K$6.556.55K

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 100, holders +5 vs prior quarter. Ownership 34.42%.

HolderSharesChangeChange %Value
BLACKROCK, INC.1.22M111.40K+10.05%12.45M
TIETON CAPITAL MANAGEMENT, LLC1.01M-23.74K-2.30%10.30M
VANGUARD CAPITAL MANAGEMENT LLC722.28K-126.36K-14.89%7.37M
GEODE CAPITAL MANAGEMENT, LLC448.22K35.04K+8.48%4.58M
UNIPLAN INVESTMENT COUNSEL, INC.397.33K11.75K+3.05%4.06M
SEI INVESTMENTS CO250.08K-240.89K-49.06%2.55M
STATE STREET CORP243.19K-5.32K-2.14%2.48M
GOLDMAN SACHS GROUP INC217.20K30.06K+16.06%2.22M
AMERICAN CENTURY COMPANIES INC214.57K00.00%2.19M
CONNOR, CLARK & LUNN INVESTMENT MANAGEMENT LTD.201.49K-11.34K-5.33%2.06M
DE LISLE PARTNERS LLP198.71K00.00%2.03M
BRIDGEWAY CAPITAL MANAGEMENT, LLC188.90K21.11K+12.58%1.93M
O'SHAUGHNESSY ASSET MANAGEMENT, LLC179.86K16.98K+10.42%1.84M
GAMCO INVESTORS, INC. ET AL158.00K00.00%1.61M
STIFEL FINANCIAL CORP154.24K-1.50K-0.97%1.57M
NORTHERN TRUST CORP136.92K13.81K+11.22%1.40M
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP118.32K00.00%1.21M
VANGUARD PORTFOLIO MANAGEMENT LLC114.13K20.10K+21.38%1.17M
BANK OF NEW YORK MELLON CORP109.65K2.22K+2.07%1.12M
VANGUARD FIDUCIARY TRUST CO105.92K1.38K+1.32%1.08M
RITHOLTZ WEALTH MANAGEMENT92.53K-4.23K-4.37%944.75K
JANNEY MONTGOMERY SCOTT LLC80.94K80.94KNew826.00K
SQUAREPOINT OPS LLC78.56K9.97K+14.53%802.05K
GABELLI FUNDS LLC78.00K00.00%796.38K
PANAGORA ASSET MANAGEMENT INC67.33K22.41K+49.90%687.41K

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Medallion Financial (MFIN) Stock Insights

MFIN$11.52+0.15 +1.32%

$264.50M

Market Cap

8.16

P/E

10.04

Forward P/E

60

Score

Price History