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Medallion Financial Corp

MFIN Nasdaq Finance Services Financials FY2018–FY2025

Last close · Oct 23, 2026

$11.42

0.9%
Compare
Revenue Total sales reported in the income statement.
$255M
19.2% vs prior year
Operating margin Operating income as a share of revenue.
—
Net income Profit after all expenses, interest and tax.
$43.0M
20.0%
Free cash flow Cash from operations minus capital spending.
—
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
—
Market cap Last close times the latest diluted share count, so it is approximate.
$274M
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
8.6x
On $1.33 EPS (TTM)

What Medallion Financial Corp does

No business description yet.

Legal name
MEDALLION FINANCIAL CORP
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Mar 10, 2026
Accession · CIK
0001193125-26-100121
0001000209

Revenue and margins

Medallion Financial Corp had $255M of revenue in fiscal 2025, up 19.2% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was — in fiscal 2025, — of revenue. Cash from operations minus capital spending.

Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

Medallion Financial Corp returned $12.0M to shareholders in fiscal 2025. The diluted share count rose 2.7%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Cash, debt and the ratios that show how comfortably Medallion Financial Corp can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $64.5M$33.2M$52.6M$98.2M$136M
Debt incl. finance leases $220M$219M$244M$281M$311M
Debt / equity 0.8x0.7x0.7x0.8x0.8x
Total assets $1.9B$2.3B$2.6B$2.9B$3.0B
Total liabilities $1.5B$1.9B$2.2B$2.4B$2.4B
Shareholders' equity $287M$302M$343M$370M$409M
Net debt (− = net cash) $155M$186M$191M$183M$175M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY18FY19FY20FY21FY22FY23FY24FY25
Net income is positive ✕ ✕ ✕ ✓ ✓ ✓ ✓ ✓
Cash from operations is positive ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Return on assets rose — ✓ ✕ ✓ ✕ ✓ ✕ ✓
Cash from operations exceeds net income ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Debt fell relative to assets — ✓ ✕ ✓ ✓ ✓ ✕ ✕
Current ratio rose — — — — — — — —
Share count didn't rise — ✕ ✕ ✕ ✓ ✓ ✕ ✕
Gross margin rose — — — — — — — —
Revenue rose relative to assets — ✕ ✕ ✓ ✕ ✓ ✕ ✓
F-score — / 34 / 72 / 76 / 75 / 77 / 73 / 75 / 7
Accruals ratio −6.6%−4.6%−7.1%−1.4%−3.1%−2.4%−2.7%−2.9%
Altman Z'' ————————

8 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $114M $118M $105M $159M $170M $199M $214M $255M
Net interest income $72.5M $97.5M $111M $128M $160M $188M $203M $217M
Noninterest income $42.0M $20.4M −$5.9M $31.6M $9.5M $11.3M $11.3M $38.0M
Noninterest expense $66.2M $68.2M $72.0M $72.9M $72.1M $75.6M $74.4M $85.2M
Provision for credit losses $59.0M $47.4M $69.8M $4.6M $30.1M $37.8M — —
Interest expense $28.4M $35.0M $34.2M $31.1M $36.2M $62.9M — —
Pretax income −$10.7M $2.3M −$37.0M $81.9M $67.9M $86.0M $62.9M $79.9M
Income tax $0.1M $0.3M −$10.1M $24.2M $18.0M $24.9M $21.0M $24.5M
Net income −$25.0M −$1.8M −$34.8M $54.1M $43.8M $55.1M $35.9M $43.0M
Diluted EPS −$1.03 −$0.07 −$1.42 $2.17 $1.83 $2.37 $1.52 $1.78
Diluted shares 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B
Cash flow
Cash from operations $66.6M $64.9M $78.7M $78.7M $109M $114M $109M $126M
Depreciation and amortization $5.6M $7.5M $7.7M $6.5M $5.2M $5.2M $6.2M $8.3M
Stock-based compensation $0.6M $1.2M $2.0M $2.3M $3.5M $4.7M $6.1M $6.7M
Share buybacks — — $0.0M $0.0M $20.6M $0.0M $4.6M $1.0M
Dividends paid $0.1M — $0.0M $0.0M $7.5M $7.7M $9.4M $11.0M
Dividends and buybacks $0.1M — $0.0M $0.0M $28.2M $7.7M $14.0M $12.0M
Balance sheet
Cash and short-term investments $57.7M $17.7M $54.7M $64.5M $33.2M $52.6M $98.2M $136M
Total debt $214M $213M $241M $220M $219M $244M $281M $311M
Loans, net $981M $1.1B $1.2B $1.4B $1.9B $2.1B — —
Deposits $848M $952M $1.1B $1.3B $1.6B $1.9B $2.1B $2.1B
Goodwill $151M $151M $151M $151M $151M $151M $151M $151M
Intangible assets $54.0M $52.5M $51.1M $23.5M $22.0M $20.6M $19.1M $17.7M
Total assets $1.4B $1.5B $1.6B $1.9B $2.3B $2.6B $2.9B $3.0B
Total liabilities $1.1B $1.2B $1.3B $1.5B $1.9B $2.2B $2.4B $2.4B
Preferred stock — — $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $263M $263M $231M $287M $302M $343M $370M $409M
Margins
Net margin −21.9% −1.5% −33.2% 33.9% 25.8% 27.6% 16.8% 16.9%
Net interest share of revenue 63.3% 82.7% 105.7% 80.2% 94.4% 94.3% 94.7% 85.1%
Efficiency ratio 57.8% 57.8% 68.7% 45.7% 42.4% 37.9% 34.8% 33.4%
Returns
Return on equity −9.5% −0.7% −14.1% 20.9% 14.9% 17.1% 10.1% 11.1%
Return on assets −1.8% −0.1% −2.2% 3.1% 2.1% 2.3% 1.3% 1.5%
Return on tangible equity −43.3% −2.9% −117.8% 48.0% 34.0% 32.1% 17.9% 17.9%
Growth
Revenue growth — 3.0% −11.1% 52.0% 6.6% 17.3% 7.2% 19.2%
Net income growth — — — — −19.0% 25.6% −34.9% 20.0%
EPS growth — — — — −15.7% 29.5% −35.9% 17.1%
Share count change — 0.5% 0.4% 2.0% −4.1% −2.8% 1.5% 2.7%
Financial health
Debt / equity 0.8x 0.8x 1.0x 0.8x 0.7x 0.7x 0.8x 0.8x
Loans / deposits 115.7% 117.1% 110.0% 115.0% 115.3% 114.2% — —
Provision / loans 6.0% 4.3% 6.0% 0.3% 1.6% 1.8% — —
Capital allocation
Stock comp / revenue 0.5% 1.0% 1.9% 1.4% 2.0% 2.4% 2.8% 2.6%
Quality scores
Piotroski F-score — 4.0 2.0 6.0 5.0 7.0 3.0 5.0
Accruals ratio −6.6% −4.6% −7.1% −1.4% −3.1% −2.4% −2.7% −2.9%

Source: SEC EDGAR XBRL filings (CIK 0001000209). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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