MFIN · Medallion Financial Corp
Market Cap
$274.37M
Shares
22.96M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$11.82
Open$11.92
Day$11.74–11.95
52W close$8.01–11.98
Avg vol 30d71K
Short int912K · 4.0% float · 9.1d
Short vol55%
Last earningsJul 30, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 5
Up next
Next earnings call
Oct 30, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 5, 2026
AI Brief
Q2 FY26 earnings call · Jul 30, 2026
Q2 FY26
TL;DR. Medallion Financial posted record loan originations of $611.6M (+63% YoY) and crossed $3B in assets, with record recreation ($228.5M, +63%) and home improvement ($128.6M, 2x+) originations and net interest income at a record $57.2M; net income fell to $7.4M ($0.31/share) from $11.1M ($0.46/share) due to higher credit loss provisions ($22.3M, including ~$6.5M day-one) and lower equity-investment gains ($0.2M vs $6.1M).
Bullish
- + Total assets surpassed $3.0 billion for the first time in company history, with the total loan portfolio up 12.5% YoY to $2.795B new
- + Net interest income hit a record $57.2M, up 7% YoY, supported by strategic partnership originations of $247.1M new
Bearish
- − Equity-investment gains fell sharply to $0.2M from $6.1M a year earlier, weighing on quarter-over-quarter results new
- − Recreation net charge-offs were 3.14% (vs 3.11%) and home improvement charge-offs were 1.37% (improved from 1.87%) but recreation 90+ DPD rose to 0.57% from 0.49% new
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
Strong Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.70
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+19%
above
Price vs 50-day avg
+12%
above
RSI (14)
66
neutral
MACD trend
Positive
52-week position
96%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+12%
trailing
6-month return
+23%
trailing
YTD return
+15%
this year
Relative strength
+10%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $11 › 200d $10 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +12 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.97% of float · ▲ +0.4% MoM · 9.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
99 holders — near 3-yr high, broad support
Squeeze score
67
elevated · 0–100
Fundamentals
EPS growth
+17%
Y/Y
Valuation
P/E 9
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
2.6%
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
+19%
Bullish
Price vs 50-day avg
+12%
Bullish
RSI (14)
66
Neutral
MACD trend
Positive
Bullish
52-week position
96%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $11 › 200d $10 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +12 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.97% of float · ▲ +0.4% MoM · 9.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
99 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $8
Now $12 · 96%
Range high $12
vs 200-day avg +19%
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 |
|---|---|---|---|
| Aggregate price of shares repurchased | $7.7M | three months ended June 30, 2026 filing | — |
| Average yield on loans | 12.28% | three months ended June 30, 2026 filing | — |
| Charge-off ratio | 2.43% | Three Months Ended June 30, 2026 filing | — |
| Delinquency status | 0.89% | Three Months Ended June 30, 2026 filing | — |
| Home improvement loan originations | 137% | three months ended June 30, 2026 filing | — |
| Interest yield | 11.71% | Three Months Ended June 30, 2026 filing | — |
| Net charge-offs | $16.3M | three months ended June 30, 2026 filing | — |
| Net interest margin before the impact of the allowance for credit losses | 7.94% | three months ended June 30, 2026 filing | — |
| Net interest margin, gross | 7.94% | Three Months Ended June 30, 2026 filing | — |
| Net interest margin, net of allowance | 8.28% | Three Months Ended June 30, 2026 filing | — |
| Net other income | $4.5M | three months ended June 30, 2026 filing | — |
| Recreation loan net charge-offs | $13.3M | three months ended June 30, 2026 filing | — |
| Recreation loan originations | 60% | three months ended June 30, 2026 filing | — |
| Reserve coverage | 4.42% | Three Months Ended June 30, 2026 filing | — |
| Return on average assets | 1.28% | Three Months Ended June 30, 2026 filing | — |
| Return on average equity | 7.71% | Three Months Ended June 30, 2026 filing | — |
| Strategic partnership fees | $1.1M | three months ended June 30, 2026 filing | — |
| 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 | — |
|
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| Net interest margin on gross loans | 7.94% | Q2 2026 | — |
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| Net interest margin on net loans | 8.28% | Q2 2026 | — |
|
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| 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 | — |
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| 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 | — |
| Average interest rate on the portfolio | 14.18% | March 31, 2026 | — |
| Cash collected on taxi medallion-related assets | $1.7M | Q1 2026 | — |
| Fees generated from strategic partnerships | $0.8M | Q1 2026 | — |
| Home improvement lending loan originations | $64.4M | Q1 2026 | — |
| Home improvement loans 90 days or more past due as a percentage of gross home improvement loans | 0.17% | March 31, 2026 | — |
| Net interest margin (“NIM”) on gross loans | 8% | Q1 2026 | — |
| Net recoveries and gains on taxi medallion-related assets | $1.1M | Q1 2026 | — |
| NIM on net loans | 8.35% | Q1 2026 | — |
| Recreation lending loan originations | $142.5M | Q1 2026 | — |
| Recreation loans 90 days or more past due as a percentage of gross recreation loans | 0.57% | March 31, 2026 | — |
| Total strategic partnership loans held | $10.8M | March 31, 2026 | — |
| Loan portfolio, including loans held for sale | 2.57B | as of December 31, 2025 | — |
| Number of portfolio companies (Commercial) | 28 | as of December 31, 2025 | — |
| Remaining authorization under stock repurchase program | 14.4M | as of December 31, 2025 | — |
| Shares of common stock repurchased | 108,351 | FY2025 | — |
| Strategic partnership loans held | 15.1M | as of December 31, 2025 | — |
| Weighted average FICO score (Home Improvement) | 779 | as of December 31, 2025 | — |
| Weighted average FICO score (Recreation) | 688 | as of December 31, 2025 | — |
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
|
$274.37M | +14.9% | — | 9.0 | 4.0% |
|
V
Visa Inc.
|
$680.94B | +8.2% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$521.49B | +3.2% | +16.4% | 32.7 | 0.8% |
|
AXP
American Express Co
|
$222.97B | -10.8% | +13.4% | 20.1 | 1.6% |
|
COF
Capital One Financial Corp
|
$134.21B | -11.5% | +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 | +1.5% | +11.5% | +23.3% | +18.9% | +14.9% |
| SPY | +0.5% | +1.2% | +13.3% | +2.7% | +12.5% |
| vs SPY | +1.0% | +10.3% | +10.0% | +16.2% | +2.4% |
Capital returns
Latest dividend
$0.14
/ share · ex Aug 17, 2026
Paid (TTM)
$0.52
/ share · 4 payouts
Dividend yield (TTM, derived)
4.40%
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)
83 filings
83 filers
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