MFIN · Medallion Financial Corp
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Metrics snapshot
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AI Brief
Q2 FY26 earnings call · Jul 30, 2026TL;DR. Medallion Financial posted record originations (+63% YoY) and surpassed $3.0B in total assets for the first time, with net interest income up 7% YoY, though net income fell 33% YoY to $7.4M ($0.31 diluted EPS) due to sharply lower equity-investment gains and higher day-one credit provisions tied to growth.
- + Loan originations grew 63% YoY to $611.6M, a quarterly record, led by recreation up 63% to $228.5M and home improvement up over two-fold to $128.6M.
- + Net interest income reached a quarterly record of $57.2M, up 7% YoY, as the loan portfolio grew 12.5% YoY to $2.795B and total assets surpassed $3.0B for the first time.
- + Strategic partnership originations rose to $247.1M from $168.6M YoY, generating $1.1M of fee income, with a fifth partner signed in the quarter.
- + Home improvement credit trends improved, with net charge-offs of 1.37% of the average portfolio versus 1.87% a year ago and a lower allowance ratio of 2.42% vs 2.54%.
- − Net income fell 33% YoY to $7.4M ($0.31 diluted EPS) from $11.1M ($0.46), driven primarily by the absence of prior-year equity-investment gains.
- − Operating expenses climbed to $25.0M from $21.5M YoY on higher employee, servicing, and professional fee costs, and management expects continued cost growth from talent and technology investments.
- − Net interest margin compressed 15 bps YoY to 7.94% as average cost of borrowings rose to 4.32% from 4.20% and average deposit cost rose to 3.96% from 3.84%.
- − Recreation credit quality remains a risk: net charge-offs at 3.14% versus 3.11% a year ago, 90+ DPD up to 0.57% from 0.49%, and allowance for credit losses at 5.16% versus 5.05%.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
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
|
$276.67M | +17.1% | — | 9.1 | 3.9% |
|
V
Visa Inc.
|
$661.04B | +5.6% | -4.9% | — | 1.1% |
|
MA
Mastercard Inc
|
$498.62B | -0.3% | +16.4% | 31.3 | 0.9% |
|
AXP
American Express Co
|
$219.04B | -12.2% | +13.4% | 19.7 | 1.5% |
|
COF
Capital One Financial Corp
|
$129.62B | -14.1% | +36.6% | 12.7 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MFIN | +0.3% | +5.4% | +44.0% | +2.0% | +17.1% |
| SPY | -1.2% | -1.8% | +17.8% | -0.4% | +12.1% |
| vs SPY | +1.5% | +7.2% | +26.1% | +2.3% | +5.0% |
Capital returns
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.