MFIN
HoldUnloved QualityAI screen passMedallion Financial Corp. · Financial Services · United States · $262M cap · $598K/day traded
$10.37 +3.8% · close 4 Nov · scored 5 Nov
StockRank up 1.3 since 4 Nov.
Unloved Quality: Strong and cheap, but the market has not warmed to it.
Reported 28 Oct: the next-year EPS estimate was little changed across the report (snapshots of 25 Oct and 1 Nov).
As of 5 Nov 2026, MoatMap's StockRank for Medallion Financial Corp. (MFIN) is 58/100, ranked against 24,000+ stocks in 35 markets (Quality 53, Value 54, Momentum 44, each scored against its sector).
Does StockRank work? Each month we publish how each tenth of the ranking did, whichever way it went. See the record →
Screen-pass. Medallion Financial Corp.: Q54/V55/M67, every leg clears the 50 floor; corroborated by active buyback (1 filing days). Nothing adverse known: no net insider selling and no negative forward-EPS revision. A light-tier screen-pass, not a high-conviction pick.
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
ABOUT MEDALLION FINANCIAL CORP.
Read
Medallion Financial Corp. is a specialized finance company primarily focused on originating and servicing loans for recreational assets like RVs, boats, and powersports vehicles, alongside providing structured finance to small and mid-sized companies. The company carves out its competitive moat through niche lending expertise in these specialized asset-backed categories and an established platform for underwriting and servicing such loans. Medallion Financial has strategically pivoted its business model, moving beyond its historical taxi medallion lending to focus on higher-growth, asset-backed consumer and commercial finance segments.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 148.1M | 162.2M | 189.9M | 203.1M | 243.4M | 13.2% | 358.5M | 264.0M | 296.4M | 10.4% |
| EPS | 2.20 | 1.86 | 2.45 | 1.59 | 1.89 | -3.7% | 1.11 | 1.15 | 1.49 | -11.2% |
| Shares | 28.1M | 23.1M | 23.4M | 23.1M | 23.3M | -17.1% | 22.6M | — | — | — |
| Debt | 231.2M | 229.9M | 253.1M | 288.6M | 318.5M | 8.3% | — | — | — | — |
| Equity | 287.0M | 301.7M | 343.0M | 370.2M | 408.6M | 9.2% | — | — | — | — |
| Op CF | 78.7M | 108.7M | 113.8M | 108.7M | 126.3M | 12.5% | 126.3M | — | — | — |
| Inv CF | -238.3M | -449.0M | -340.7M | -328.9M | -124.5M | — | — | — | — | — |
| Fin CF | 172.0M | 321.4M | 271.2M | 240.0M | 30.2M | — | — | — | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Calmer than 70% of stocks we rank over the past year (volatility 32% a year).
How this is worked out
StockRank weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of MFIN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| MFIN | Medallion Financial Corp.(you) | $262M | 58 | Hold |
| OPFI | OppFi Inc. | $462M | 54 | Hold |
| CPSS | Consumer Portfolio Services, Inc. | $217M | 71 | Buy |
| GDOT | Green Dot Corporation | $704M | 55 | Hold |
| WRLD | World Acceptance Corporation | $778M | 69 | Buy |
| PRAA | PRA Group, Inc. | $718M | 45 | Hold |
| RM | Regional Management Corp. | $302M | 91 | Strong Buy |
| NAVI | Navient Corporation | $797M | 41 | Hold |
| PMTS | CPI Card Group Inc. | $312M | 95 | Strong Buy |
| OPRT | Oportun Financial Corporation | $423M | 89 | Strong Buy |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 73.1%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.