Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
MFIN
BUYMedallion Financial Corp. · Financial Services · United States · $226M · Avg Vol: $734K/d
COMPANY DESCRIPTION
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% | 350.0M | 262.5M | 278.3M | 6.9% |
| EPS | 2.20 | 1.86 | 2.45 | 1.59 | 1.89 | -3.7% | 1.33 | 1.19 | 1.56 | -9.3% |
| Shares | 28.1M | 23.1M | 23.4M | 23.1M | 23.3M | -17.1% | 23.0M | — | — | — |
| 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% | 134.5M | — | — | — |
| Inv CF | -238.3M | -449.0M | -340.7M | -328.9M | -124.5M | — | — | — | — | — |
| Fin CF | 172.0M | 321.4M | 271.2M | 240.0M | 30.2M | — | — | — | — | — |
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) | $226M | 78 | BUY |
| OPRT | Oportun Financial Corporation | $257M | 62 | HOLD |
| PMTS | CPI Card Group Inc. | $224M | 97 | STRONG BUY |
| RM | Regional Management Corp. | $384M | 62 | HOLD |
| LPRO | Open Lending Corporation | $373M | 55 | HOLD |
| CPSS | Consumer Portfolio Services, Inc. | $205M | 45 | HOLD |
| JCAP | Jefferson Capital, Inc. | $1.2B | 79 | BUY |
| WRLD | World Acceptance Corporation | $950M | 71 | BUY |
| OPFI | OppFi Inc. | $1.3B | 70 | BUY |
| GDOT | Green Dot Corporation | $753M | 58 | HOLD |
Peer medians: ROE 9.6% · P/E 13.5x · Gross margin 100.0%