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MEDALLION FINANCIAL CORP (MFIN) Stock Fundamental Analysis

NASDAQ:MFIN - Nasdaq - US5839281061 - Common Stock - Currency: USD

8  -0.13 (-1.6%)

After market: 8 0 (0%)

Fundamental Rating

4

Taking everything into account, MFIN scores 4 out of 10 in our fundamental rating. MFIN was compared to 53 industry peers in the Consumer Finance industry. MFIN may be in some trouble as it scores bad on both profitability and health. MFIN has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

MFIN had positive earnings in the past year.
MFIN had a positive operating cash flow in the past year.
In multiple years MFIN reported negative net income over the last 5 years.
Each year in the past 5 years MFIN had a positive operating cash flow.
MFIN Yearly Net Income VS EBIT VS OCF VS FCFMFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M

1.2 Ratios

With a Return On Assets value of 1.39%, MFIN perfoms like the industry average, outperforming 53.85% of the companies in the same industry.
The Return On Equity of MFIN (11.05%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.39%
ROE 11.05%
ROIC N/A
ROA(3y)2.32%
ROA(5y)0.94%
ROE(3y)16.48%
ROE(5y)6.74%
ROIC(3y)N/A
ROIC(5y)N/A
MFIN Yearly ROA, ROE, ROICMFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10

1.3 Margins

MFIN has a Profit Margin of 19.11%. This is amongst the best in the industry. MFIN outperforms 84.62% of its industry peers.
The Operating Margin and Gross Margin are not available for MFIN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 19.11%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
MFIN Yearly Profit, Operating, Gross MarginsMFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 -20 40 60

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3

2. Health

2.1 Basic Checks

MFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MFIN has more shares outstanding
Compared to 5 years ago, MFIN has less shares outstanding
MFIN has a better debt/assets ratio than last year.
MFIN Yearly Shares OutstandingMFIN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M
MFIN Yearly Total Debt VS Total AssetsMFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

2.2 Solvency

The Debt to FCF ratio of MFIN is 2.63, which is a good value as it means it would take MFIN, 2.63 years of fcf income to pay off all of its debts.
MFIN's Debt to FCF ratio of 2.63 is fine compared to the rest of the industry. MFIN outperforms 73.08% of its industry peers.
A Debt/Equity ratio of 0.78 indicates that MFIN is somewhat dependend on debt financing.
MFIN has a Debt to Equity ratio of 0.78. This is in the better half of the industry: MFIN outperforms 67.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 2.63
Altman-Z N/A
ROIC/WACCN/A
WACC15.18%
MFIN Yearly LT Debt VS Equity VS FCFMFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MFIN Yearly Current Assets VS Current LiabilitesMFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

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4

3. Growth

3.1 Past

The earnings per share for MFIN have decreased strongly by -27.78% in the last year.
Looking at the last year, MFIN shows a quite strong growth in Revenue. The Revenue has grown by 9.26% in the last year.
MFIN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.79% yearly.
EPS 1Y (TTM)-27.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-22.92%
Revenue 1Y (TTM)9.26%
Revenue growth 3Y23.88%
Revenue growth 5Y6.79%
Sales Q2Q%8.1%

3.2 Future

MFIN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.47% yearly.
Based on estimates for the next years, MFIN will show a quite strong growth in Revenue. The Revenue will grow by 9.18% on average per year.
EPS Next Y-37.16%
EPS Next 2Y-16.76%
EPS Next 3Y2.47%
EPS Next 5YN/A
Revenue Next Year8.12%
Revenue Next 2Y9.89%
Revenue Next 3Y9.18%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MFIN Yearly Revenue VS EstimatesMFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
MFIN Yearly EPS VS EstimatesMFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 1 -1 2

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 4.73, the valuation of MFIN can be described as very cheap.
Based on the Price/Earnings ratio, MFIN is valued cheaper than 96.15% of the companies in the same industry.
MFIN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.
A Price/Forward Earnings ratio of 4.87 indicates a rather cheap valuation of MFIN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFIN indicates a rather cheap valuation: MFIN is cheaper than 92.31% of the companies listed in the same industry.
MFIN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 4.73
Fwd PE 4.87
MFIN Price Earnings VS Forward Price EarningsMFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MFIN is valued cheaply inside the industry as 86.54% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.73
EV/EBITDA N/A
MFIN Per share dataMFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-16.76%
EPS Next 3Y2.47%

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6

5. Dividend

5.1 Amount

MFIN has a Yearly Dividend Yield of 5.41%, which is a nice return.
Compared to an average industry Dividend Yield of 4.03, MFIN pays a better dividend. On top of this MFIN pays more dividend than 88.46% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.27, MFIN pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.41%

5.2 History

The dividend of MFIN decreases each year by -19.81%.
MFIN has been paying a dividend for at least 10 years, so it has a reliable track record.
MFIN has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-19.81%
Div Incr Years2
Div Non Decr Years2
MFIN Yearly Dividends per shareMFIN Yearly Dividends per shareYearly Dividends per share 2015 2016 2022 2023 2024 0.2 0.4 0.6 0.8

5.3 Sustainability

MFIN pays out 22.85% of its income as dividend. This is a sustainable payout ratio.
DP22.85%
EPS Next 2Y-16.76%
EPS Next 3Y2.47%
MFIN Yearly Income VS Free CF VS DividendMFIN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M
MFIN Dividend Payout.MFIN Dividend Payout, showing the Payout Ratio.MFIN Dividend Payout.PayoutRetained Earnings

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MEDALLION FINANCIAL CORP

NASDAQ:MFIN (2/21/2025, 8:00:01 PM)

After market: 8 0 (0%)

8

-0.13 (-1.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-19 2025-02-19/amc
Earnings (Next)04-28 2025-04-28/amc
Inst Owners38.05%
Inst Owner Change-90.45%
Ins Owners28.37%
Ins Owner Change11.34%
Market Cap184.56M
Analysts45.71
Price Target12.24 (53%)
Short Float %5.82%
Short Ratio17.22
Dividend
Industry RankSector Rank
Dividend Yield 5.41%
Yearly Dividend0.33
Dividend Growth(5Y)-19.81%
DP22.85%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.38%
Min EPS beat(2)-21.92%
Max EPS beat(2)-2.84%
EPS beat(4)1
Avg EPS beat(4)-4.25%
Min EPS beat(4)-21.92%
Max EPS beat(4)14.38%
EPS beat(8)5
Avg EPS beat(8)32.81%
EPS beat(12)9
Avg EPS beat(12)43.29%
EPS beat(16)13
Avg EPS beat(16)44.95%
Revenue beat(2)0
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-1.31%
Max Revenue beat(2)-1.15%
Revenue beat(4)0
Avg Revenue beat(4)-2.9%
Min Revenue beat(4)-5.48%
Max Revenue beat(4)-1.15%
Revenue beat(8)3
Avg Revenue beat(8)0.1%
Revenue beat(12)7
Avg Revenue beat(12)5.64%
Revenue beat(16)9
Avg Revenue beat(16)5.7%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-3.48%
EPS NQ rev (3m)-3.48%
EPS NY rev (1m)-1.13%
EPS NY rev (3m)-1.13%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 4.73
Fwd PE 4.87
P/S 0.88
P/FCF 1.73
P/OCF 1.73
P/B 0.51
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)1.69
EY21.13%
EPS(NY)1.64
Fwd EY20.53%
FCF(TTM)4.63
FCFY57.87%
OCF(TTM)4.63
OCFY57.87%
SpS9.09
BVpS15.71
TBVpS8.33
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.39%
ROE 11.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.11%
GM N/A
FCFM 50.96%
ROA(3y)2.32%
ROA(5y)0.94%
ROE(3y)16.48%
ROE(5y)6.74%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 2.63
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 266.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.18%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)200.06%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-27.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-22.92%
EPS Next Y-37.16%
EPS Next 2Y-16.76%
EPS Next 3Y2.47%
EPS Next 5YN/A
Revenue 1Y (TTM)9.26%
Revenue growth 3Y23.88%
Revenue growth 5Y6.79%
Sales Q2Q%8.1%
Revenue Next Year8.12%
Revenue Next 2Y9.89%
Revenue Next 3Y9.18%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.61%
FCF growth 3Y13.07%
FCF growth 5Y11.3%
OCF growth 1Y11.61%
OCF growth 3Y13.07%
OCF growth 5Y11.3%