What is Medallion Financial Corp.'s (MFIN) StockRank?

MoatMap's StockRank for Medallion Financial Corp. (MFIN) is 56/100, with a Hold signal. This is a composite score combining Quality (58), Value (59), and Momentum (29) factor ranks across MoatMap's 19,000+ stock universe.

Does Medallion Financial Corp. have an economic moat?

Medallion Financial Corp. (MFIN) has a Quality factor score of 58/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Medallion Financial Corp. a buy, hold, or sell?

MoatMap's current signal for Medallion Financial Corp. (MFIN) is Hold, based on a StockRank of 56/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Medallion Financial Corp. in?

Medallion Financial Corp. (MFIN) operates in the Financial Services sector, specifically the Credit Services industry (United States).

Company Deep Dive

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MFIN

HOLDREMOVE

Medallion Financial Corp. · Financial Services · United States · $231M · Avg Vol: $756K/d

StockRank

P/E (TTM)

6.6x

ROE

10.3%

D/E

4.7x

Dividend %

4.9%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Medallion Financial is a micro-cap specialty finance company with a legacy of volatile assets. It lacks a durable economic moat, has low quality metrics, and does not align with any of our high-conviction macro themes.

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

Year	2021	2022	2023	2024	CAGR
Revenue	148M	162M	192M	204M	11.2%
EPS	2.20	1.86	2.45	1.59	-10.3%
Shares	28M	29M	29M	29M	+4.2%
Debt	231M	230M	253M	289M	7.7%
Equity	287M	302M	343M	370M	8.8%
Op CF	79M	109M	114M	116M	13.6%
Inv CF	-238M	-449M	-341M	-336M	—
Fin CF	172M	321M	271M	240M	—

PRICE (1M)+10.7%

SMA 50SMA 200

$9.81

RSI (14)

64.8

52W High

$10.69

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

3.7%*70.4

ROE

10.3%51.3

GP/Assets

8.7%69.9

Op. Margin

45.0%66.7

FCF/Assets

-1.9%17.0

Piotroski

—90.6

Int. Cover

—N/A

D/E Ratio

4.72x6.8

Current Ratio

35.67x95.5

Value

P/E (TTM)

6.6x85.1

EV/EBITDA

14.4x20.8

P/FCF

—N/A

P/B

0.6x81.9

P/S

0.7x91.3

Div Yield

4.9%73.2

Momentum

52W High %

92%50.3

RS 6M

-13%31.1

SMA 50/200

0.97x24.9

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-2%20.0

Q Growth

-59%4.9

FUNDAMENTALS

Market Cap

$231M

P/E (Forward)

6.8x

Gross Margin

74.0%

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)	$231M	56	HOLD
CPSS	Consumer Portfolio Services, Inc.	$214M	54	HOLD
RM	Regional Management Corp.	$334M	69	BUY
LPRO	Open Lending Corporation	$271M	32	SELL
OPRT	Oportun Financial Corporation	$242M	29	SELL
WRLD	World Acceptance Corporation	$727M	63	HOLD
PRAA	PRA Group, Inc.	$588M	38	HOLD
JCAP	Jefferson Capital, Inc.	$950M	47	HOLD
GDOT	Green Dot Corporation	$733M	41	HOLD
FOA	Finance of America Companies Inc.	$180M	22	SELL

Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%

Medallion Financial Corp. (MFIN) — Stock Score Summary

Medallion Financial Corp. (MFIN) has a MoatMap StockRank of 56/100 based on Quality (58/100), Value (59/100), and Momentum (29/100) factor scores. The current signal is HOLD. Medallion Financial is a micro-cap specialty finance company with a legacy of volatile assets. It lacks a durable economic moat, has low quality metrics, and does not align with any of our high-conviction macro themes.

Key Financial Metrics

Price	$9.81
Market Cap	$231M
P/E (TTM)	6.63
P/E (Forward)	6.77
Price/Book	0.56
Return on Equity	10.3%
Debt/Equity	471.70
Gross Margin	74.0%
Operating Margin	45.0%
Revenue Growth	-6.4%
Dividend Yield	4.9%
Free Cash Flow	$-57M

Medallion Financial Corp. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Medallion Financial Corp.’s (MFIN) StockRank?: MoatMap’s StockRank for Medallion Financial Corp. (MFIN) is 56/100, with a Hold signal. It is a composite of Quality (58), Value (59), and Momentum (29) factor ranks across MoatMap’s 19,000+ stock universe.
Does Medallion Financial Corp. have an economic moat?: Medallion Financial Corp. (MFIN) has a Quality factor score of 58/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Medallion Financial Corp. a buy, hold, or sell?: MoatMap’s current signal for Medallion Financial Corp. (MFIN) is Hold, based on a StockRank of 56/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Medallion Financial Corp. in?: Medallion Financial Corp. (MFIN) operates in the Financial Services sector, specifically the Credit Services industry (United States).