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Medallion Financial Corp (MFIN) Financials

MFIN
Trailing 12 months to June 30, 2026
Revenue $247.5M +5.2% YoY
Net Income $32.4M -22.7% YoY
EPS (Diluted) $1.33 -24.4% YoY
Operating Cash Flow $174.9M +196.6% YoY
Market Cap $256.9M as of Oct 17, 2026
Price / Sales 1.0x on $247.5M revenue, trailing 12 months to June 30, 2026
Price / Earnings 7.9x on $32.4M net income, trailing 12 months to June 30, 2026
Price / Book 0.6x on $406.0M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 17, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MFIN SEC filings page.

Medallion Financial Corp (MFIN) reported $247.5M in revenue over the twelve months to Jun 30, 2026, up 5.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI MFIN FY2025

Medallion’s reported profits recovered, but its lending model converts accounting earnings into cash that is largely redeployed into assets.

FY2025 revenue expanded 19.2% from FY2024, while net margin held near 16.9%; the recovery was therefore volume-led rather than margin-led. Interest expense reached $98.4M versus $88.2M previously, showing that higher activity arrived alongside a heavier funding burden.

Total liabilities reached $2.45B against $408.6M of equity, making the balance sheet liability-heavy rather than lightly financed. Yet reported debt-to-equity was just 0.5x versus roughly 6.0x for liabilities-to-equity, so the debt ratio does not capture the full funding structure.

Operating cash flow rose to $126.3M while investing cash flow used $124.5M, showing that cash generated by operations was nearly absorbed by investment activity. That pattern points to a business that recycles cash into its asset base rather than accumulating operating cash as surplus.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Financial health score not available

Medallion Financial Corp does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial
6/7

Medallion Financial Corp passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed
2.93x

For every $1 of reported earnings, Medallion Financial Corp generates $2.93 in operating cash flow ($126.3M OCF vs $43.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue
$61.7M
YoY-1.4%
QoQ+9.3%
5Y CAGR+10.6%
10Y CAGR+26.6%

Medallion Financial Corp generated $61.7M in revenue in Q2 2026. This represents a decrease of 1.4% from the same quarter a year earlier. Against the prior quarter it is up 9.3%.

Net Income
$7.4M
YoY-32.7%
QoQ+50.3%
5Y CAGR-6.2%
10Y CAGR+5.0%

Medallion Financial Corp reported $7.4M in net income in Q2 2026. This represents a decrease of 32.7% from the same quarter a year earlier. Against the prior quarter it is up 50.3%.

EPS (Diluted)
$0.31
YoY-32.6%
QoQ+55.0%
5Y CAGR-5.4%
10Y CAGR+5.0%

Medallion Financial Corp earned $0.31 per diluted share (EPS) in Q2 2026. This represents a decrease of 32.6% from the same quarter a year earlier. Against the prior quarter it is up 55.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt
$172.6M
YoY+56.4%
QoQ+83.8%
5Y CAGR+40.6%

Medallion Financial Corp held $172.6M in cash against $287.5M in long-term debt as of Q2 2026.

Shares Outstanding
23M
YoY-1.2%
QoQ-3.7%
5Y CAGR-1.7%

Medallion Financial Corp had 23M shares outstanding in Q2 2026. This represents a decrease of 1.2% from the same quarter a year earlier. Against the prior quarter it is down 3.7%.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin
12.1%
YoY-5.6pp
QoQ+3.3pp
5Y change-15.5pp
10Y change-66.2pp

Medallion Financial Corp's net profit margin was 12.1% in Q2 2026, showing the share of revenue converted to profit. This is down 5.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.3 percentage points.

Return on Equity
1.8%
YoY-1.0pp
QoQ+0.6pp
5Y change-2.3pp

Medallion Financial Corp's ROE was 1.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks
$7.7M
YoY+1588.8%

Medallion Financial Corp spent $7.7M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1588.8% from the same quarter a year earlier.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

MFIN Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MFIN quarterly income statement
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Revenue$61.7M-1.4%$56.5M-10.4%$70.6M+25.4%$58.7M+10.1%$62.6M+22.8%$63.0M+18.2%$56.3M+8.2%$53.3M+0.4%
SG&A Expenses$11.2M+10.8%$11.0M+10.1%$11.4M+13.8%$10.1M+7.3%$10.1M+7.6%$10.0M+5.7%$10.0M+2.4%$9.5M-1.8%
Interest Expense$27.1M+12.7%$25.0M+4.1%$25.3M+3.1%$25.1M+6.0%$24.1M+15.5%$24.0M+25.4%$24.5M+32.0%$23.7M+38.4%
Income Tax$4.7M-18.7%$4.3M-35.5%$6.2M-9.6%$5.9M+44.6%$5.8M+53.5%$6.7M+5.6%$6.8M+7.7%$4.1M-39.7%
Net Income$7.4M-32.7%$5.0M-58.8%$12.2M+20.3%$7.8M-9.8%$11.1M+55.9%$12.0M+19.9%$10.1M-29.2%$8.6M-23.3%
EPS (Basic)$0.32-34.7%$0.21-60.4%$0.53+17.8%$0.34-10.5%$0.49+58.1%$0.53+20.5%$0.45-29.7%$0.38-24.0%
EPS (Diluted)$0.31-32.6%$0.20-60.0%$0.50+16.3%$0.32-13.5%$0.46+53.3%$0.50+19.0%$0.43-28.3%$0.37-22.9%
Diluted Shares (Avg)24M-0.2%25M+2.7%N/A24M+4.2%24M+2.6%24M+0.6%N/A23M+0.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

MFIN Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MFIN quarterly balance sheet
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Total Assets$3.2B+10.9%$3.0B+3.6%$3.0B+3.0%$2.9B+0.7%$2.9B+4.3%$2.8B+8.7%$2.9B+10.8%$2.9B+12.6%
Cash & Equivalents$172.6M+56.4%$93.9M-28.6%$136.3M+38.7%$72.5M-39.9%$110.4M+25.8%$131.5M+140.1%$98.2M+86.8%$120.6M+221.8%
Short-Term Investments$0$0$0$0$0$0$0$0
Long-Term Investments$0$0$0$0$0$0$0$0
Goodwill$150.8M0.0%$150.8M0.0%$150.8M0.0%$150.8M0.0%$150.8M0.0%$150.8M0.0%$150.8M0.0%$150.8M0.0%
Total Liabilities$2.7B+14.5%$2.4B+1.8%$2.4B+0.7%$2.4B-1.9%$2.3B+0.4%$2.4B+9.0%$2.4B+11.7%$2.4B+13.3%
Long-Term Debt$287.5M+43.8%$214.2M+7.3%$216.0M-7.0%$215.7M-7.0%$199.9M-13.4%$199.7M-11.5%$232.2M-1.4%$232.0M+6.4%
Total Equity$406.0M+4.1%$408.1M+7.3%$408.6M+10.4%$397.4M+9.7%$389.9M+10.1%$380.2M+8.9%$370.2M+7.9%$362.4M+10.3%
Retained Earnings$168.6M+13.9%$164.5M+17.7%$162.4M+24.7%$153.0M+24.7%$148.0M+27.2%$139.7M+25.2%$130.3M+25.4%$122.6M+33.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

MFIN Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MFIN quarterly cash flow statement
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Operating Cash Flow$17.5M+176.1%$41.3M+24.6%$33.8M+39.7%$82.3M+234.6%-$23.0M-183.1%$33.1M+2.8%$24.2M+23.1%$24.6M-31.4%
Depreciation & Amortization$700K+16.7%$2.0M-3.0%$2.1M+11.1%$600K+500.0%$600K+500.0%$2.1M+52.4%$1.9M+35.7%$100K-66.7%
Stock-Based Compensation$1.9M+11.8%$2.1M+22.9%N/A$1.7M+13.3%$1.7M+6.3%$1.7M+12.8%N/A$1.5M
Investing Cash Flow-$187.2M-1301.3%-$86.0M-5337.8%-$21.3M-4.1%-$88.2M+15.1%-$13.4M+92.2%-$1.6M+95.2%-$20.5M-64.1%-$103.9M-65.3%
Financing Cash Flow$237.1M+681.9%-$18.2M+57.8%$38.2M+273.2%$4.9M-95.6%$30.3M-77.2%-$43.1M-316.5%-$22.0M-246.4%$109.3M+262.9%
Dividends Paid$3.2M+19.6%$3.1M+8.4%$2.7M+10.8%$2.7M+21.8%$2.7M+20.2%$2.9M+15.2%$2.4M+8.9%$2.2M+23.6%
Share Buybacks$7.7M+1588.8%$0-100.0%$0$0-100.0%$455K-70.0%$531K-75.0%$0$965K

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

MFIN Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MFIN quarterly financial ratios
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Net Margin12.1%-5.6pp8.8%-10.3pp17.3%-0.7pp13.2%-2.9pp17.7%+3.8pp19.1%+0.3pp18.0%-9.5pp16.2%-5.0pp
Return on Equity1.8%-1.0pp1.2%-2.0pp3.0%+0.2pp1.9%-0.4pp2.8%+0.8pp3.2%+0.3pp2.7%-1.4pp2.4%-1.0pp
Return on Assets0.2%-0.1pp0.2%-0.2pp0.4%+0.1pp0.3%0.0pp0.4%+0.1pp0.4%0.0pp0.4%-0.2pp0.3%-0.1pp
Debt-to-Equity0.71+0.2x0.520.0x0.53-0.1x0.54-0.1x0.51-0.1x0.53-0.1x0.63-0.1x0.640.0x
Asset Turnover0.020.0x0.020.0x0.020.0x0.020.0x0.020.0x0.020.0x0.020.0x0.020.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company Fiscal year Revenue Net income Net margin Market cap Health score
Medallion Financial Corp MFIN FY2025 $254.9M $43.0M 16.9% $256.9M —
Open Lending Corporation LPRO FY2025 $93.2M -$4.2M -4.5% $371.5M 45/100
Finance of America Companies Inc. FOA FY2025 $497.4M $45.2M 9.1% $101.6M 24/100
Oportun Financial Corporation OPRT FY2025 $405.8M $25.2M 6.2% $417.6M 15/100
Consumer Portfolio Services CPSS FY2025 $434.5M $19.3M 4.5% $200.4M 29/100
CPI Card Group Inc. PMTS FY2025 $543.5M $14.9M 2.8% $287.7M 61/100

Frequently Asked Questions

What is Medallion Financial Corp's annual revenue?

Medallion Financial Corp (MFIN) reported $254.9M in total revenue for fiscal year 2025. This represents a 19.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Medallion Financial Corp's revenue growing?

Medallion Financial Corp (MFIN) revenue grew by 19.2% year-over-year, from $213.9M to $254.9M in fiscal year 2025.

Is Medallion Financial Corp profitable?

Yes, Medallion Financial Corp (MFIN) reported a net income of $43.0M in fiscal year 2025, with a net profit margin of 16.9%.

Medallion Financial Corp (MFIN) reported diluted earnings per share of $1.78 for fiscal year 2025. This represents a 17.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

As of fiscal year 2025, Medallion Financial Corp (MFIN) had $136.3M in cash and equivalents against $216.0M in long-term debt.

Medallion Financial Corp (MFIN) had a net profit margin of 16.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Medallion Financial Corp (MFIN) has a return on equity of 10.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Medallion Financial Corp (MFIN) generated $126.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Medallion Financial Corp (MFIN) had $3.0B in total assets as of fiscal year 2025, including both current and long-term assets.

Yes, Medallion Financial Corp (MFIN) spent $986K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Medallion Financial Corp (MFIN) had 24M shares outstanding as of fiscal year 2025.

Medallion Financial Corp (MFIN) had a debt-to-equity ratio of 0.53 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Medallion Financial Corp (MFIN) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Medallion Financial Corp (MFIN) trades at 7.9x earnings, its market capitalization divided by net income of $32.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $256.9M as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

Medallion Financial Corp (MFIN) trades at 1.0x sales, its market capitalization divided by revenue of $247.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $256.9M as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

Medallion Financial Corp (MFIN) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Medallion Financial Corp (MFIN) has an earnings quality ratio of 2.93x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

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