MFIN · Medallion Financial Corp
$11.09
-0.14 (-1.20%)
At close · Oct 20
Return incl. dividend (before tax)
Market Cap
$257.61M
Shares
22.96M
Volume · Oct 20
12.28K
Avg daily vol (3M)
67.36K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$11.22
Open$11.19
Day$11.00–11.34
52W close$8.01–12.22
Avg vol 30d67K
Short int873K · 3.8% float · 10.5d
Short vol44%
Last earningsJul 30, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 5
Up next
filed Aug 5, 2026
call held Jul 30, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$247.49M
Trailing 12 months
Net income (TTM)
$30.85M
Trailing 12 months
Revenue growth YoY
-1.4%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
8.4
Trailing earnings · reciprocal yield 11.9%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$169.47M
Latest balance sheet
Dividend yield
4.6%
Trailing 12 months
Shares change YoY
-0.2%
Year over year · fewer shares
Price change (1Y)
+13.9%
Trailing year
Short interest
3.8%
Latest settlement · 10.5 days to cover
AI Brief
Q2 FY26 earnings call · Jul 30, 2026
Q2 FY26
TL;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.
Bullish
- + 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%.
Bearish
- − 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%.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 18.4 · elevated
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+10%
above
Price vs 50-day avg
−4%
below
RSI (14)
38
neutral
MACD trend
Negative
52-week position
76%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−6%
trailing
6-month return
+19%
trailing
YTD return
+9%
this year
Relative strength
+12%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $12 › 200d $10 — 50d above 200d
Institutional flow
Accumulating
8 of 98 funds reported for Sep 30 · net +2.3K sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
3.80% of float · ▼ -8.5% MoM · 10.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
98 holders — near 3-yr high, broad support
Squeeze score
60
elevated · 0–100
Fundamentals
EPS growth
+17%
Y/Y
Valuation
P/E 8.4
below peers
Buyback
$6.7M
remaining
Balance sheet
$175.0M
net debt
Quant / Vol
risk profile
Volatility
30%
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 Apr 30, 2026
Asset growth, loan growth
· in the coming years
10%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+10%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
38
Neutral
MACD trend
Negative
Bearish
52-week position
76%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $12 › 200d $10 — 50d above 200d
Institutional flow
Accumulating
8 of 98 funds reported for Sep 30 · net +2.3K sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
3.80% of float · ▼ -8.5% MoM · 10.5 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 · 76%
Range high $12
vs 200-day avg +10%
vs 50-day avg -4%
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 |
|---|---|---|---|
| Average interest cost | 4.32% | the three months ended June 30, 2026 filing | — |
| Home improvement lending charge-off ratio | 1.37% | the three months ended June 30, 2026 filing | — |
| Home improvement lending delinquency status | 0.17% | the three months ended June 30, 2026 filing | — |
| Home improvement lending new loan originations | 128.64M | the three months ended June 30, 2026 filing | +137.1% |
|
|
|||
| Home improvement lending reserve coverage | 2.42% | the three months ended June 30, 2026 filing | — |
| Provision for credit losses | $22.3M | the three months ended June 30, 2026 filing | — |
| Recreation lending charge-off ratio | 3.14% | the three months ended June 30, 2026 filing | — |
| Recreation lending delinquency status | 0.57% | the three months ended June 30, 2026 filing | — |
| Recreation lending new loan originations | 228.47M | the three months ended June 30, 2026 filing | +60.0% |
|
|
|||
| Recreation lending reserve coverage | 5.16% | the three months ended June 30, 2026 filing | — |
| Amount spent on share repurchases | 7.7M | second quarter | — |
| Average cost of shares repurchased | $9.85 | second quarter | — |
| Average interest rate on the portfolio | 14.37% | June 30, 2026 | — |
| Cash collected on taxi medallion-related assets | 1.8M | second quarter | — |
| Commercial loans | 126.2M | June 30, 2026 | — |
| Fees generated from strategic partnerships | 1.1M | second quarter | — |
| Home improvement loans | 885.6M | June 30, 2026 | — |
| Home improvement loans as a percentage of total loans | 32% | June 30, 2026 | — |
| Loan originations | 611.6M | second quarter | — |
| Net book value per share | $17.62 | June 30, 2026 | — |
| Net interest margin (“NIM”) on gross loans | 7.94% | second quarter | — |
| Net interest margin (“NIM”) on net loans | 8.28% | second quarter | — |
| Net recoveries and gains | 1.4M | second quarter | — |
| Portfolio companies | 30 | June 30, 2026 | — |
| Quarterly cash dividend | $0.14 | second quarter | — |
| Recreation loans | 1.76B | June 30, 2026 | — |
| Recreation loans as a percentage of total loans | 63% | June 30, 2026 | — |
| Remaining under stock repurchase program | 6.7M | June 30, 2026 | — |
| Shares of common stock repurchased | 779,799 | second quarter | — |
| Strategic partnership loan originations | 247.1M | second quarter | — |
| Total loans | 2.77B | June 30, 2026 | — |
| Total loans and loans held for sale | 2.79B | June 30, 2026 | — |
| Total net taxi medallion-related assets | 3.5M | June 30, 2026 | — |
| Total net taxi medallion-related assets as a percentage of total assets | 0.1% | June 30, 2026 | — |
| Total strategic partnership loans held for sale | 21.4M | June 30, 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
|
$257.61M | +9.0% | — | 8.4 | 3.8% |
|
V
Visa Inc.
|
$727.78B | +14.9% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$539.97B | +8.0% | +16.4% | 33.9 | 0.7% |
|
AXP
American Express Co
|
$215.38B | -14.5% | +13.4% | 19.4 | 1.6% |
|
COF
Capital One Financial Corp
|
$122.59B | -17.5% | +36.6% | 12.0 | 1.5% |
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
Financials
Filings
SEC Filings
Latest
8-K
- Filed
- Oct 19, 2026
- This year
- 26
Medallion Financial Corp. agreed to purchase $15,000,000 of trust preferred securities of Medallion Financing Trust I from BIMIZCI Fund LLC for $11,049,000 plus accrued distributions, subject to a standstill through October 16, 2031.
ViewEarnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MFIN | -5.3% | -6.1% | +19.2% | -5.6% | +9.0% |
| SPY | -1.5% | -0.9% | +7.7% | +0.5% | +12.4% |
| vs SPY | -3.8% | -5.2% | +11.5% | -6.1% | -3.4% |
Capital returns
Latest dividend
$0.14
/ share · ex Aug 17, 2026
Paid (TTM)
$0.52
/ share · 4 payouts
Dividend yield (TTM, derived)
4.63%
Buyback program
· as of Jun 30, 2026
Authorized
$40.00M
Spent (derived)
$33.30M
Remaining
$6.70M
Spent
Remaining
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.