MEDALLION FINANCIAL CORP MFIN

Latest FY: 2025 Financial Services Credit Services
Market Price $12.16
Market Cap $290.02M
P/E Ratio 6.83
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑19.8% YoY
$243.39M
3-Yr CAGR: 14.5%
Net Income ↑45.2% YoY
$8.78M
Net Margin: 3.6%
Free Cash Flow ↑9.3% YoY
$126.28M
FCF Yield: 43.54%
EPS (Diluted) ↑17.1% YoY
$1.78
Basic: $1.89
Return on Equity Efficiency
2.1%
ROA: 0.3%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (MFIN)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $12.4M $9.9M $23.5M $0.97 0.00% $61.6M $61.6M
FY 2017 $5.9M -53.0% $5.9M $0.3M -98.8% $0.01 -99.0% 0.00% $13.3M $13.3M -78.4%
FY 2018 $72.5M +1,137.9% $44.1M $2.3M +729.9% $-1.03 -10,400.0% $0.00 0.06% $78.1M $78.1M +486.5%
FY 2019 $97.5M +34.6% $62.5M $3.8M +62.9% $-0.07 +93.2% 0.00% $64.9M $64.9M -16.9%
FY 2020 $110.8M +13.6% $76.7M $7.9M +109.6% $-1.42 -1,928.6% 0.00% $78.7M $78.7M +21.2%
FY 2021 $127.8M +15.4% $96.7M $3.5M -55.0% $2.17 +252.8% 0.00% $78.7M $78.7M +0.0%
FY 2022 $162.2M +26.9% $126.1M $6.0M +70.5% $1.83 -15.7% $0.32 4.48% $108.7M $108.7M +38.1%
FY 2023 $189.9M +17.0% $126.9M $6.0M 0.0% $2.37 +29.5% $0.34 3.47% $113.8M $113.8M +4.6%
FY 2024 $203.1M +7.0% $114.9M $6.0M 0.0% $1.52 -35.9% $0.42 4.44% $115.5M $115.5M +1.5%
FY 2025 $243.4M +19.8% $145.0M $8.8M +45.2% $1.78 +17.1% $0.48 4.68% $126.3M $126.3M +9.3%
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Valuation

Market Price $12.16
Market Cap $290.02M
Enterprise Value $472.23M
P/E Ratio 6.83
P/B Ratio 0.71
FCF Yield 43.54%
Dividend Yield 3.96%
Shares Outstanding 23,850,000
%

Profitability & Margins

Gross Margin 59.56%
Operating Margin 32.82%
Net Margin 3.61%
Return on Equity (ROE) 2.15%
Return on Assets (ROA) 0.30%
Asset Turnover 0.08x
Revenue 3-Yr CAGR 14.47%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.779
Debt / Assets 0.108
Cash & Equivalents $136.27M
Total Debt $318.48M
Book Value / Share $17.13
💧

Cash Flow Efficiency

Operating Cash Flow $126.28M
Capital Expenditures (CapEx) N/A
Free Cash Flow $126.28M
OCF / Revenue 51.89%
FCF / Revenue 51.89%
FCF 3-Yr CAGR 5.11%
🏷️

Per Share Metrics

EPS (Diluted) $1.78
EPS (Basic) $1.89
Dividends / Share $0.48
Book Value / Share $17.13
EPS YoY Growth 17.11%
🏛️

Balance Sheet (FY 2025)

Total Assets $2.96B
Total Liabilities $2.45B
Stockholders' Equity $408.62M
Current Assets N/A
Current Liabilities N/A