MFIN · Medallion Financial Corp
$11.45
+0.02 (+0.17%)
At close · Aug 20
Market Cap
$262.44M
Shares
22.96M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$11.45
Open$11.32
Day$11.30–11.48
52W close$8.01–11.48
Avg vol 30d61K
Short int909K · 4.0% float · 27.9d
Short vol54%
Last earningsJul 30, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 5
Up next
Next earnings call
Oct 30, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 5, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+16%
above
Price vs 50-day avg
+12%
above
RSI (14)
69
neutral
MACD trend
Positive
52-week position
99%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+20%
trailing
6-month return
+13%
trailing
YTD return
+11%
this year
Relative strength
+2%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $10 › 200d $10 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +12 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.96% of float · ▲ +3.2% MoM · 27.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
98 holders — near 3-yr high, broad support
Squeeze score
68
elevated · 0–100
Fundamentals
EPS growth
+17%
Y/Y
Valuation
P/E 8.6
below peers
Buyback
$20.0B
remaining
Balance sheet
$175.0M
net debt
Quant / Vol
risk profile
Volatility
31%
annualized · 1-yr
Max drawdown
−26%
past year
ATR
2.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Sep 30, 2023
going forward
Net interest margin
8%
starting next month
Quarterly dividend
$0.10
Prior guidance
period ended
· from the Earnings Call filed Jun 30, 2024
Rec lending portfolio
· end of the year
at least $1.5B
Rec lending portfolio growth
· year
15%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+16%
Bullish
Price vs 50-day avg
+12%
Bullish
RSI (14)
69
Neutral
MACD trend
Positive
Bullish
52-week position
99%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $10 › 200d $10 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +12 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.96% of float · ▲ +3.2% MoM · 27.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
98 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $8
Now $11 · 99%
Range high $11
vs 200-day avg +16%
vs 50-day avg +12%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses (Home improvement) | 2.42% | as of June 30, 2026 | — |
| Allowance for credit losses (Recreation) | 5.16% | as of June 30, 2026 | — |
| Average loan size (Commercial) | 4.1M | as of June 30, 2026 | — |
| Average loan size (Home improvement) | $24,500 | as of June 30, 2026 | — |
| Average loan size (Recreation) | $22,300 | as of June 30, 2026 | — |
| Commercial loans | 126.2M | as of June 30, 2026 | — |
| Commercial loans average interest rate | 14.37% | as of June 30, 2026 | — |
| Home improvement lending originations | 128.6M | Q2 2026 | — |
| Home improvement loans | 885.6M | as of June 30, 2026 | — |
| Home improvement loans 90 days or more past due | 1.5M | as of June 30, 2026 | — |
| Home improvement loans average interest rate | 9.69% | as of June 30, 2026 | — |
| Loan originations | 611.6M | Q2 2026 | — |
|
|
|||
| Net interest margin on gross loans | 7.94% | Q2 2026 | — |
| Net interest margin on net loans | 8.28% | Q2 2026 | — |
|
|
|||
| Recreation lending originations | 228.5M | Q2 2026 | — |
| Recreation loans 90 days or more past due | 9.7M | as of June 30, 2026 | — |
| Recreation loans average interest rate | 15.06% | as of June 30, 2026 | — |
| Recreation loans, including loans held for investment and loans held for sale | 1.76B | as of June 30, 2026 | — |
| Shares repurchased | 779,799 | Q2 2026 | — |
| Strategic partnership loan originations | 247.1M | Q2 2026 | — |
| Strategic partnership loans held for sale | 21.4M | as of June 30, 2026 | — |
| Strategic partnerships fees | 1.1M | Q2 2026 | — |
| Taxi medallion-related assets | 3.5M | as of June 30, 2026 | — |
| Loan portfolio, including loans held for sale | $2.62B | as of March 31, 2026 | — |
| Strategic partnership loans held | $10.8M | as of March 31, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
MFIN
this stock
Medallion Financial Corp
|
$262.44M | +11.3% | — | 8.6 | 4.0% |
|
V
Visa Inc.
|
$652.62B | +4.3% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$502.58B | +0.5% | +16.4% | 31.6 | 1.0% |
|
AXP
American Express Co
|
$223.63B | -10.5% | +13.4% | 20.1 | 1.8% |
|
COF
Capital One Financial Corp
|
$132.22B | -12.3% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MFIN | +0.2% | +19.8% | +13.5% | +15.2% | +11.3% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +2.1% | +16.5% | +2.3% | +13.1% | -0.6% |
Capital returns
Latest dividend
$0.14
/ share · ex Aug 17, 2026
Paid (TTM)
$0.52
/ share · 4 payouts
Dividend yield (TTM, derived)
4.54%
Buyback program
· as of Dec 31, 2023
Authorized
—
Spent (derived)
—
Remaining
$20.00B
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1000209
CUSIP
583928106
13F (30d)
93 filings
93 filers
Visit website
Investor relations