Stocks · Financial Services · Financial - Credit Services
Medallion Financial Corp. MFIN
$11.81 -0.84% Close, Oct 5, 2026 · NASDAQ · Market cap $275.3M
High qualityStrong trendInexpensive vs sector
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 41.6% from 22.6% a year earlier.
- The shares trade at 8.9× trailing earnings, higher than 95% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 50 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 45%
- EPS growth (TTM, YoY)Bottom 18%
- FCF growth (TTM, YoY)Top 18%
- Revenue growth, 3-year CAGRTop 28%
- Revenue growth accelerationBottom 32%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 39%
- Gross marginTop 11%
- Operating marginTop 13%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 18%
- Net debt / EBITDA (lower is better)Top 45%
- Interest coverTop 38%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 12%
- Free-cash-flow yieldTop 4%
- EBITDA / enterprise valueTop 4%
- Sales / enterprise valueTop 13%
- P/E vs own 5-year history (lower is better)Bottom 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 35%
- 6-month returnTop 6%
- 1-year return vs S&P 500Top 32%
- Distance from 52-week highTop 17%
- Trend checklist (0–4)Top 26%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 16%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 46%
- Upside to consensus price targetBottom 14%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 32%
- Maximum drawdown, 3 yearsBottom 40%
- Beta vs S&P 500 (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Top 45%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 10.7% | 7.8% | ↓ |
| EPS growth (YoY) | -7.5% | -24.4% | ↓ |
| Gross margin | 43.7% | 83.1% | ↑ |
| Operating margin | 22.6% | 41.6% | ↑ |
| FCF margin | 25.3% | 46.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.8% | 10.7% | ↓ | Top 45% |
| EPS growth (TTM, YoY) | -24.4% | -7.5% | ↓ | Bottom 18% |
| Gross margin | 83.1% | 43.7% | ↑ | Top 11% |
| Operating margin | 41.6% | 22.6% | ↑ | Top 13% |
| Net margin | 10.4% | 13.1% | ↓ | — |
| Free-cash-flow margin | 46.2% | 25.3% | ↑ | — |
| Return on invested capital | 3.1% | — | Top 39% | |
| Revenue growth, 3-year CAGR | 21.2% | — | Top 28% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -3.9%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +7.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.93×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.27%
- Net buyback yield (TTM)
- 2.66%
- Shareholder yield
- 6.93%
- Share count change, 1 year
- +1.3%
- Share count change, 3-year CAGR
- +2.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +17.2%
- Average 2-day reaction, last 8
- -0.3%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $12.00
- Target vs current price
- +1.6%
- Analysts with a rating
- 9
- Share rating Buy or Strong Buy
- 44%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +8.4% | +0.1% | +9.9% | +20.8% | — |
| Apr 29, 2026 | -20.0% | -1.6% | -1.5% | +1.9% | +3.8% |
| Feb 18, 2026 | +22.0% | +2.0% | -3.1% | -10.9% | -10.0% |
| Oct 29, 2025 | +58.6% | -4.3% | +3.5% | +0.6% | +4.8% |
| Jul 30, 2025 | +53.3% | -1.5% | +1.2% | +2.5% | -1.8% |
| Apr 30, 2025 | +56.3% | -0.6% | +3.2% | +5.6% | +8.7% |
| Mar 4, 2025 | +30.3% | +0.9% | +10.6% | +7.5% | +15.4% |
| Oct 29, 2024 | +0.0% | +2.6% | +1.0% | +2.9% | +1.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.31 | $0.29 | +8.4% | $58.1M |
| Apr 29, 2026 | $0.20 | $0.25 | -20.0% | $54.1M |
| Feb 18, 2026 | $0.50 | $0.41 | +22.0% | $56.4M |
| Oct 29, 2025 | $0.46 | $0.29 | +58.6% | $54.2M |
| Jul 30, 2025 | $0.46 | $0.30 | +53.3% | $57.9M |
| Apr 30, 2025 | $0.50 | $0.32 | +56.3% | $58.7M |
| Mar 4, 2025 | $0.43 | $0.33 | +30.3% | $58.7M |
| Oct 29, 2024 | $0.37 | $0.37 | +0.0% | $48.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.9× | 4.5× | 95th | Top 12% |
| P/E (forward) | 10.3× | — | — | — |
| EV / EBITDA | 2.8× | — | — | Top 4% |
| EV / Sales | 1.20× | — | — | Top 13% |
| Free-cash-flow yield | 57.96% | — | — | Top 4% |
| Earnings yield | 11.26% | — | — | Top 12% |
P/E over the past five years
Range 3.3× – 214.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +19.7%
- Earnings per share growth (TTM)
- -24.4%
- Change in P/E multiple
- +37.7%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 49
- Days above the 200-day average
- 50
- 50-day average slope (20 days)
- +7.4%
- 200-day average slope (20 days)
- +1.9%
- Distance from 50-day average
- +2.7%
- Distance from 200-day average
- +16.0%
- RSI (14)
- 50.0
- Relative volume
- 1.57×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 26.8%
- Volatility vs own 5-year history
- 8th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.69
- Correlation with S&P 500
- 0.37
- Current drawdown from 1-year high
- -3.4%
- Maximum drawdown, 3 years
- -32.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 21, 2022 | Jul 18, 2022 | -41.7% | 81 days | 260 days (Jul 31, 2023) |
| May 20, 2021 | Jan 5, 2022 | -40.1% | 159 days | 50 days (Mar 18, 2022) |
| Aug 4, 2023 | Oct 12, 2023 | -37.7% | 48 days | 294 days (Dec 12, 2024) |
| Dec 19, 2025 | Mar 27, 2026 | -26.0% | 66 days | 88 days (Aug 4, 2026) |
| Dec 12, 2024 | Feb 26, 2025 | -22.8% | 49 days | 109 days (Aug 4, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $275.3M
- P/E (TTM)
- 8.9
- EPS, diluted (TTM)
- $1.33
- Revenue (TTM)
- $345.5M
- Dividend yield
- 4.40%
- 52-week range
- $7.85 – $12.26
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $179.2M | $198.4M | $254.5M | $291.8M | $353.3M |
| Gross profit | $143.4M | $132.2M | $153.8M | $127.1M | $341.8M |
| Operating income | $81.9M | $67.8M | $86.0M | $62.9M | $178.3M |
| Net income | $54.1M | $43.8M | $55.1M | $35.9M | $43.0M |
| EPS (diluted) | $2.17 | $1.83 | $2.37 | $1.52 | $1.78 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $72.6M | $83.2M | $82.7M | $82.0M | $79.3M | $95.8M | $81.5M | $88.9M |
| Net income | $8.6M | $10.1M | $12.0M | $11.1M | $11.3M | $12.2M | $5.0M | $7.4M |
| EPS (diluted) | $0.37 | $0.43 | $0.50 | $0.46 | $0.32 | $0.50 | $0.20 | $0.31 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $78.7M | $108.7M | $113.8M | $115.5M | $126.3M |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $78.7M | $108.7M | $113.8M | $115.5M | $126.3M |
| Dividends paid | $0 | -$7.5M | $0 | -$9.4M | -$11.0M |
| Net share buybacks | $241,000 | -$20.6M | $442,000 | -$4.6M | -$470,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $275.9M
- Total assets
- $3.19B
- Total liabilities
- $2.69B
- Total debt
- $345.9M
- Net debt
- $139.9M
- Shareholders’ equity
- $406.0M
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 17, 2026 | $0.14 | Aug 31, 2026 |
| May 11, 2026 | $0.14 | May 21, 2026 |
| Mar 19, 2026 | $0.12 | Mar 31, 2026 |
| Nov 12, 2025 | $0.12 | Nov 24, 2025 |
| Aug 15, 2025 | $0.12 | Aug 29, 2025 |
| May 15, 2025 | $0.12 | May 30, 2025 |
| Mar 17, 2025 | $0.11 | Mar 31, 2025 |
| Nov 15, 2024 | $0.11 | Nov 27, 2024 |
Short interest
- Shares sold short
- 954,272
- Days to cover
- 18.15
- Change vs previous report
- +6.1%
FINRA short interest, settlement date Sep 15, 2026.