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Medallion Financial Corp

Medallion Financial Corp

MFIN · NASDAQ · Financial Services / Credit Services

9.49USD+0.15 (+1.61%)

Price History

Full chart

Market Stats

Previous Close9.34
Open9.50
Day Range9.36 – 9.54
52-Week Range7.64 – 12.26
Volume67.03K
Market Cap274.60M
P/E (TTM)8.99
Forward P/E7.69
EPS1.33
Dividend Yield4.68%
Beta0.79
50-Day Avg11.20
200-Day Avg10.13

About

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 Loans, Taxi Medallion Lending. The company offers loans that finance consumer purchases of recreational vehicles, boats, collector cars, 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. It also provides debt, mezzanine, and equity investment capital to companies in various commercial industries; and raises deposits and conducts other banking activities. The company was incorporated in 1995 and is based in New York, New York.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Andrew M. Murstein
  • Employees179
  • Headquarters667 Madison Avenue, New York, NY, United States, 10065, USA
  • Websitehttps://www.medallion.com

Leadership

  • Mr. Alvin MursteinExecutive Chairman · b. 1935
  • Mr. Andrew M. MursteinCEO, President, COO & Non-Independent Director · b. 1964
  • Mr. Anthony N. CutroneExecutive VP & CFO · b. 1980
  • Mr. David Justin HaleyCEO & President of Medallion Bank · b. 1974
  • Ms. Marisa T. Silverman J.D.Executive VP, General Counsel & Secretary, · b. 1979
  • Ms. Samantha K. RozovskyChief Compliance Officer, Associate General Counsel & Assistant Secretary · b. 1989
  • Mr. Joel R. CannonSenior Vice President of Sales & Marketing · b. 1979
  • Mr. Thomas J. MunsonExecutive VP & Chief Credit Officer · b. 1983
  • Mr. Steven M. HannayExecutive VP & Chief Lending Officer of Medallion Bank. · b. 1967
  • Mr. Jeffrey D. RudnickExecutive VP & Director of Alternative Investments · b. 1970

Financials

Income Statement

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue13.10M28.00M47.50M72.20M59.75M39.12M35.28M31.27M51.69M41.83M52.23M63.98M56.12M44.79M42.19M46.64M49.10M49.80M55.12M55.52M104.84M19.41M111.03M141.29M151.36M179.21M198.43M254.51M291.79M353.31M
Growth (%)-+113.74%+69.64%+52.00%-17.24%-34.53%-9.81%-11.36%+65.27%-19.07%+24.85%+22.50%-12.28%-20.20%-5.79%+10.55%+5.27%+1.42%+10.70%+0.72%+88.82%-81.48%+471.87%+27.26%+7.12%+18.40%+10.73%+28.26%+14.65%+21.09%
Cost of Revenue5.30M10.10M17.00M21.00M28.94M25.58M20.24M12.04M12.83M18.00M24.19M30.70M23.71M16.88M14.59M13.54M10.86M8.36M8.54M9.42M12.64M13.77M87.38M82.43M103.97M35.76M66.24M100.76M164.67M11.50M
Gross Profit7.80M17.90M30.50M51.20M30.81M13.54M15.04M19.23M38.85M23.83M28.04M33.27M32.41M27.91M27.61M33.10M38.24M41.44M46.58M46.10M92.20M5.64M23.65M58.86M47.39M143.44M132.19M153.76M127.12M341.81M
Gross Margin59.54%63.93%64.21%70.91%51.56%34.62%42.62%61.50%75.17%56.97%53.68%52.01%57.75%62.32%65.43%70.97%77.89%83.21%84.50%83.03%87.95%29.08%21.30%41.66%31.31%80.04%66.62%60.41%43.57%96.75%
Operating Expense3.50M6.50M14.10M30.10M23.45M17.62M27.57M17.17M16.08M16.98M14.93M17.84M17.32M19.73M16.33M13.94M13.73M15.66M17.89M16.72M22.79M13.49M34.38M56.53M84.37M61.57M64.34M67.72M64.18M163.50M
Operating Income4.30M11.40M16.40M21.10M7.36M-4.08M-12.53M2.06M22.77M6.85M13.11M15.44M15.09M8.18M11.28M19.16M24.52M25.78M28.69M29.38M69.42M-7.85M-10.72M2.34M-36.98M81.87M67.85M86.04M62.94M178.31M
Operating Margin32.82%40.71%34.53%29.22%12.32%-10.42%-35.51%6.58%44.05%16.37%25.10%24.13%26.89%18.26%26.73%41.09%49.93%51.76%52.05%52.91%66.21%-40.43%-9.66%1.65%-24.43%45.69%34.19%33.80%21.57%50.47%
EBITDA4.60M11.80M18.70M23.30M9.99M-1.22M-10.40M4.08M29.65M10.23M14.63M23.68M16.56M9.90M12.70M20.48M25.73M26.87M29.18M29.79M69.90M-6.83M-5.16M9.84M-29.27M88.39M73.08M91.28M69.15M186.63M
EBITDA Margin35.11%42.14%39.37%32.27%16.72%-3.11%-29.49%13.04%57.36%24.47%28.00%37.01%29.51%22.10%30.10%43.91%52.41%53.96%52.93%53.66%66.67%-35.18%-4.65%6.96%-19.34%49.32%36.83%35.86%23.70%52.82%
Net Income3.90M10.50M16.60M21.10M7.54M-4.06M-12.61M2.02M22.51M6.86M13.11M15.44M15.25M1.02M11.28M19.16M24.52M25.78M28.69M29.38M23.52M278.00K-25.05M-1.76M-34.78M54.11M43.84M55.08M35.88M43.04M
Net Income Margin29.77%37.50%34.95%29.22%12.62%-10.37%-35.75%6.45%43.55%16.40%25.10%24.13%27.17%2.28%26.73%41.09%49.93%51.76%52.05%52.91%22.43%1.43%-22.56%-1.25%-22.98%30.19%22.09%21.64%12.30%12.18%
R&D--------------------2.491.780.260.020.220.430.330.33--
R&D as % of Total Revenue--------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense5.30M10.10M17.00M21.00M28.94M25.48M20.11M12.04M12.83M18.00M24.19M30.70M23.71M16.88M14.59M13.54M10.86M8.36M8.54M9.42M12.64M13.77M28.37M35.05M34.15M31.14M36.19M62.95M88.17M98.43M
Interest Expense % of Total Revenue40.46%36.07%35.79%29.09%48.44%65.15%56.99%38.50%24.83%43.03%46.32%47.99%42.25%37.68%34.57%29.03%22.11%16.79%15.50%16.97%12.05%70.92%25.55%24.80%22.56%17.38%18.24%24.73%30.22%27.86%

Balance Sheet

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets189.60M339.90M422.20M533.92M560.72M507.76M425.29M456.49M709.91M573.36M631.60M721.26M646.68M555.17M550.31M537.03M543.47M595.05M632.29M689.05M689.38M635.52M1.38B1.54B1.64B1.87B2.26B2.59B2.87B2.96B
Total Liabilities133.10M191.20M274.00M376.61M412.98M332.73M263.42M294.38M539.45M407.00M461.98M548.84M471.74M392.20M387.55M365.53M327.15M321.56M357.62M410.96M403.28M348.36M1.09B1.21B1.34B1.52B1.89B2.18B2.43B2.45B
Total Equity56.50M148.70M148.20M157.31M147.73M175.02M161.87M162.12M170.46M166.35M169.63M172.42M174.95M162.98M162.76M171.50M216.32M273.50M274.67M278.09M286.10M287.16M262.61M263.15M231.41M287.04M301.74M342.99M370.17M408.62M
Cash1.70M7.10M6.00M7.46M15.65M25.41M35.37M47.68M37.27M22.23M14.53M32.60M32.08M33.40M17.30M29.35M26.88M52.17M47.08M30.91M20.96M12.69M23.84M14.73M51.74M61.48M33.17M52.59M98.24M201.56M
Total Debt125.90M177.60M260.30M357.20M396.13M321.85M250.77M287.45M525.93M400.91M455.14M542.55M462.65M382.52M380.53M357.78M289.77M281.96M315.80M579.17M518.07M494.23M213.99M227.66M254.07M231.23M229.93M253.06M288.59M316.28M
Net Debt124.20M170.50M254.30M349.74M380.47M296.44M215.40M239.78M488.67M378.68M440.60M509.95M430.57M349.12M363.23M328.43M262.89M229.79M268.71M373.63M328.11M314.93M190.15M212.93M202.33M169.74M196.76M200.47M190.35M114.71M

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow700.00K13.00M1.00M9.30M9.92M9.64M-3.91M-3.23M5.20M2.24M3.37M2.65M17.25M9.93M6.72M9.41M10.12M15.13M-9.92M-44.61M61.59M13.32M66.55M64.94M78.71M78.73M108.74M113.76M115.51M126.28M
Investing Cash Flow-61.30M-105.50M-69.90M-69.60M-23.17M46.65M87.26M-19.46M-50.31M-48.23M-54.69M-59.74M74.31M84.75M-9.11M36.05M3.02M-11.95M-39.04M-57.15M-23.70M-23.70M-23.70M-206.51M-170.96M-238.32M-449.00M-340.70M-335.78M-124.49M
Financing Cash Flow62.00M93.50M68.10M60.70M21.44M-46.53M-73.27M34.99M37.70M50.55M43.91M75.14M-92.93M-93.35M-13.70M-33.41M-15.62M22.12M4.83M28.44M-71.54M-21.59M-27.65M151.68M136.47M172.04M321.38M271.18M239.99M30.20M
Capital Expenditure100.00K1.10M2.00M1.10M626.17K493.56K213.00K301.00K250.36K350.58K486.00K488.00K240.00K149.00K336.00K216.00K301.00K23.00K29.00K82.00K00000296.34M0000
Free Cash Flow600.00K11.90M-1.00M8.20M9.30M9.15M-4.12M-3.53M4.95M1.89M2.89M2.16M17.01M9.78M6.72M9.41M10.12M15.10M-9.92M-44.61M61.59M13.32M66.55M64.94M78.71M78.73M108.74M113.76M115.51M126.28M
Dividends Paid2.20M9.50M15.60M17.50M17.76M10.03M2.19M1.64M5.93M8.53M11.43M13.29M13.31M13.36M10.51M12.25M16.38M19.54M23.89M24.37M14.57M145.00K66.00K7.54M7.54M7.54M7.54M7.70M9.39M10.97M
FCF to OCF85.71%91.54%-100.00%88.17%93.69%94.88%105.45%109.33%95.18%84.32%85.59%81.59%98.61%98.50%100.00%100.00%100.00%99.85%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%
Dividend Paid to FCF366.67%79.83%-1560.00%213.41%191.06%109.62%-53.19%-46.57%119.92%452.29%395.72%614.19%78.28%136.61%156.44%130.23%161.89%129.38%-240.87%-54.63%23.66%1.09%0.10%11.62%9.58%9.58%6.94%6.77%8.13%8.69%

Earnings

Report DateJul 25, 1996Nov 6, 1996Feb 20, 1997Apr 29, 1997Aug 6, 1997Nov 5, 1997Feb 26, 1998May 7, 1998Aug 5, 1998Nov 5, 1998Feb 25, 1999May 7, 1999Aug 13, 1999Nov 5, 1999Mar 14, 2000May 12, 2000Aug 10, 2000Nov 17, 2000Mar 30, 2001May 15, 2001Aug 9, 2001Nov 9, 2001Mar 20, 2002May 15, 2002Aug 14, 2002Nov 8, 2002Mar 4, 2003May 8, 2003Jul 31, 2003Nov 5, 2003Mar 5, 2004May 6, 2004Aug 5, 2004Nov 4, 2004Mar 10, 2005May 9, 2005Aug 9, 2005Nov 9, 2005Mar 2, 2006May 9, 2006Aug 8, 2006Nov 6, 2006Mar 19, 2007May 10, 2007Aug 7, 2007Nov 6, 2007Mar 10, 2008May 8, 2008Aug 6, 2008Nov 3, 2008Mar 12, 2009May 8, 2009Aug 10, 2009Nov 5, 2009Mar 5, 2010May 7, 2010Aug 4, 2010Nov 4, 2010Mar 10, 2011May 5, 2011Aug 3, 2011Nov 2, 2011Mar 7, 2012May 2, 2012Aug 1, 2012Nov 5, 2012Mar 5, 2013May 6, 2013Aug 5, 2013Nov 4, 2013Feb 18, 2014May 5, 2014Aug 4, 2014Nov 3, 2014Feb 17, 2015Apr 29, 2015Aug 4, 2015Nov 4, 2015Feb 17, 2016May 10, 2016Aug 2, 2016Nov 7, 2016Mar 7, 2017May 9, 2017Aug 9, 2017Nov 9, 2017Mar 1, 2018May 14, 2018Aug 13, 2018Nov 12, 2018Feb 27, 2019May 6, 2019Aug 5, 2019Oct 30, 2019Feb 20, 2020Apr 30, 2020Aug 3, 2020Nov 2, 2020Feb 17, 2021May 3, 2021Aug 2, 2021Nov 1, 2021Jan 28, 2022May 2, 2022Jul 27, 2022Oct 27, 2022Feb 22, 2023May 1, 2023Jul 24, 2023Oct 30, 2023Feb 20, 2024Apr 30, 2024Jul 30, 2024Oct 29, 2024Mar 4, 2025Apr 30, 2025Jul 30, 2025Oct 29, 2025Feb 18, 2026Apr 29, 2026Jul 29, 2026Nov 4, 2026
EPS Estimate0.180.220.200.220.240.270.300.300.320.330.290.300.310.340.370.340.340.360.300.160.160.200.160.03-0.03-0.10-0.020.030.050.050.020.040.080.110.120.180.150.190.210.210.180.190.190.130.170.170.190.170.220.170.160.170.110.100.200.220.120.230.120.14-0.27-0.280.250.250.280.280.270.270.250.230.250.310.270.290.260.260.270.27-0.09-0.71-0.100.050.03-0.120.09-0.060.010.040.170.110.110.120.050.090.250.190.290.280.320.310.310.270.300.250.370.410.630.350.330.360.380.320.300.290.410.340.270.32
EPS Actual0.180.190.200.220.240.270.290.300.320.300.310.320.360.420.370.300.290.230.140.160.160.110.02-0.080.01-0.140.010.020.040.03-0.01-0.080.010.100.120.160.060.180.210.210.140.160.200.210.240.200.210.190.220.190.160.110.120.110.120.010.170.130.270.160.080.270.320.300.090.060.300.110.080.200.290.140.150.210.320.200.180.170.280.28-0.06-0.110.08-0.02-0.200.030.14-0.13-0.60-0.19-0.320.05-0.310.200.11-0.41-0.16-0.970.260.340.340.640.780.390.540.320.570.670.620.480.600.420.300.370.430.500.460.320.500.200.31-
Surprise0.00%-13.64%0.00%0.00%0.00%0.00%-3.33%0.00%0.00%-9.09%6.90%6.67%16.13%23.53%0.00%-11.76%-14.71%-36.11%-53.33%0.00%0.00%-45.00%-87.50%-366.67%--566.67%110.00%200.00%33.33%-40.00%-120.00%-478.50%-75.00%25.00%9.09%33.33%-66.67%20.00%10.53%0.00%-33.33%-11.11%5.26%10.53%84.62%17.65%23.53%0.00%29.41%-13.64%-5.88%-31.25%-29.41%0.00%20.00%-95.00%-22.73%8.33%17.39%33.33%-42.86%-18.52%--67.86%-76.00%20.00%-60.71%-71.43%-25.93%7.41%-44.00%-34.78%-16.00%3.23%-25.93%-37.93%-34.62%7.69%3.70%-122.22%-22.22%111.27%--300.00%-40.00%366.67%-8.33%-766.67%-216.67%-3300.00%25.00%-282.35%81.82%0.00%-441.67%-420.00%-1177.78%4.00%78.95%17.24%128.57%143.75%25.81%74.19%18.52%90.00%168.00%67.57%17.07%-4.76%20.00%-9.09%2.78%13.16%56.25%53.33%10.34%21.95%-41.18%14.81%-
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market----------After-hours-Pre-marketAfter-hoursAfter-hours-After-hoursPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketAfter-hoursPre-market-Pre-marketAfter-hoursPre-market-Pre-marketPre-marketPre-marketPre-market-Pre-marketAfter-hoursAfter-hours-Pre-marketPre-market-Pre-marketPre-market-Pre-market-Pre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hours-

Key Statistics & Ratios

Market Cap274.60M
Enterprise Value2.80B
Trailing P/E8.99
Forward P/E7.69
PEG Ratio0.77
Price / Sales0.78
Price / Book0.65
EPS1.33
Book Value18.09
Revenue (TTM)349.97M
Gross Profit (TTM)258.97M
EBITDA177.10M
Profit Margin9.25%
Operating Margin46.85%
Return on Equity8.71%
Return on Assets3.47%
Shares Outstanding22.96M
Shares Float15.79M
Beta0.79
Dividend Yield4.68%
Dividend Rate0.56
Payout Ratio39.10%

Analyst Ratings

Hold
Based on 2 analystsTarget 11.00
  • Hold
    2

Ownership Breakdown

Institutions
40.53%
Insiders
32.31%
Retail / Other
27.16%

Top Institutional Holders

  • BlackRock Inc
    1.11M4.83%
  • Tieton Capital Management, LLC
    1.01M4.39%
  • Vanguard Capital Management, LLC
    848.64K3.70%
  • SEI Investments Co
    490.97K2.14%
  • Geode Capital Management, LLC
    413.18K1.80%
  • Uniplan Investment Counsel, Inc.
    385.58K1.68%
  • State Street Corp
    248.51K1.08%
  • American Century Companies Inc
    214.57K0.93%
  • Connor Clark & Lunn Inv Mgmt Ltd
    212.82K0.93%
  • The Goldman Sachs Group Inc
    187.15K0.82%
  • Bridgeway Capital Management, LLC
    167.79K0.73%
  • O'Shaughnessy Asset Management LLC
    162.88K0.71%
  • Gamco Investors, Inc. Et Al
    158.00K0.69%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    518.74K2.26%
  • iShares Russell 2000 ETF
    496.22K2.16%
  • Fidelity Small Cap Index
    195.70K0.85%
  • iShares Russell 2000 Value ETF
    185.52K0.81%
  • Avantis US Small Cap Value ETF
    182.84K0.80%
  • VT De Lisle America B USD
    180.22K0.78%
  • 1290 VT GAMCO Small Company Value IB
    158.00K0.69%

Dividends

20264×
0.14Nov 9, 20260.14Aug 17, 20260.14May 11, 20260.12Mar 19, 2026
20254×
0.12Nov 12, 20250.12Aug 15, 20250.12May 15, 20250.11Mar 17, 2025
20244×
0.11Nov 15, 20240.10Aug 15, 20240.10May 14, 20240.10Mar 14, 2024
20234×
0.10Nov 14, 20230.08Aug 14, 20230.08May 12, 20230.08Mar 14, 2023
20224×
0.08Nov 14, 20220.08Aug 12, 20220.08May 13, 20220.08Mar 11, 2022
20164×
0.05Nov 28, 20160.05Aug 22, 20160.25May 16, 20160.25Mar 29, 2016