Medallion Finacl Financials
This page shows Medallion Finacl (MFIN) financial statements, including the 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).
A balance-sheet-driven earnings model is being reshaped by rising funding costs far more than by slower business volume.
Across the recent comparison period, revenue added$64.3M while interest expense rose$35.5M . With net margin sliding from21.9% to13.7% , the profit squeeze looks more like a more expensive funding base absorbing growth than a weakening revenue engine.
Reported profit has been backed by operating cash flow more consistently than the income line alone suggests: in the latest year, cash from operations was
FY2025 also reads as a less financing-dependent year: investing cash outflow narrowed to
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Medallion Finacl's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Medallion Finacl's revenue grew 8.5% year-over-year to $315.3M, a solid pace of expansion. This earns a growth score of 53/100.
Medallion Finacl carries a low D/E ratio of 0.53, meaning only $0.53 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 91/100, indicating a strong balance sheet with room for future borrowing.
Medallion Finacl's ROE of 10.5% shows moderate profitability relative to equity, earning a score of 36/100. This is up from 9.7% the prior year.
Medallion Finacl passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Medallion Finacl 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
Earnings & Revenue
Medallion Finacl generated $315.3M in revenue in fiscal year 2025. This represents an increase of 8.5% from the prior year.
Medallion Finacl reported $43.0M in net income in fiscal year 2025. This represents an increase of 20.0% from the prior year.
Medallion Finacl earned $1.78 per diluted share (EPS) in fiscal year 2025. This represents an increase of 17.1% from the prior year.
Cash & Balance Sheet
Medallion Finacl held $136.3M in cash against $216.0M in long-term debt as of fiscal year 2025.
Medallion Finacl had 23M shares outstanding in fiscal year 2025. This represents an increase of 0.8% from the prior year.
Margins & Returns
Medallion Finacl's net profit margin was 13.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.3 percentage points from the prior year.
Medallion Finacl's ROE was 10.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the prior year.
Capital Allocation
Medallion Finacl spent $986K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 78.6% from the prior year.
MFIN Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $79.1M-3.2% | $81.7M+1.1% | $80.8M+4.3% | $77.4M+2.7% | $75.4M-1.4% | $76.5M+0.1% | $76.4M+8.1% | $70.7M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $11.0M-3.3% | $11.4M+12.2% | $10.1M0.0% | $10.1M+1.6% | $10.0M0.0% | $10.0M+5.7% | $9.5M+0.2% | $9.4M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $25.0M-1.0% | $25.3M+0.7% | $25.1M+4.2% | $24.1M+0.2% | $24.0M-2.0% | $24.5M+3.5% | $23.7M+13.6% | $20.8M |
| Income Tax | $4.3M-29.8% | $6.2M+5.2% | $5.9M+1.0% | $5.8M-13.5% | $6.7M-1.5% | $6.8M+68.1% | $4.1M+7.2% | $3.8M |
| Net Income | $5.0M-59.4% | $12.2M+57.1% | $7.8M-29.9% | $11.1M-7.9% | $12.0M+18.5% | $10.1M+17.8% | $8.6M+21.3% | $7.1M |
| EPS (Diluted) | $0.20 | N/A | $0.32-30.4% | $0.46-8.0% | $0.50 | N/A | $0.37+23.3% | $0.30 |
MFIN Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.0B-0.2% | $3.0B+1.9% | $2.9B+0.7% | $2.9B+1.1% | $2.8B-0.7% | $2.9B-0.4% | $2.9B+4.3% | $2.8B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $93.9M-31.1% | $136.3M+88.1% | $72.5M-34.3% | $110.4M-16.1% | $131.5M+33.9% | $98.2M-18.5% | $120.6M+37.5% | $87.7M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $150.8M0.0% | $150.8M0.0% | $150.8M0.0% | $150.8M0.0% | $150.8M0.0% | $150.8M0.0% | $150.8M0.0% | $150.8M |
| Total Liabilities | $2.4B-0.2% | $2.4B+1.8% | $2.4B+2.4% | $2.3B-2.1% | $2.4B-1.3% | $2.4B-0.8% | $2.4B+4.7% | $2.3B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $214.2M-0.8% | $216.0M+0.1% | $215.7M+7.9% | $199.9M+0.1% | $199.7M-14.0% | $232.2M+0.1% | $232.0M+0.5% | $230.8M |
| Total Equity | $408.1M-0.1% | $408.6M+2.8% | $397.4M+1.9% | $389.9M+2.5% | $380.2M+2.7% | $370.2M+2.1% | $362.4M+2.4% | $354.0M |
| Retained Earnings | $164.5M+1.3% | $162.4M+6.1% | $153.0M+3.4% | $148.0M+5.9% | $139.7M+7.3% | $130.3M+6.2% | $122.6M+5.4% | $116.3M |
MFIN Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $41.3M+22.4% | $33.8M-49.6% | $67.0M+980.1% | -$7.6M-123.0% | $33.1M+37.1% | $24.2M-1.8% | $24.6M-11.0% | $27.6M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$86.0M-303.1% | -$21.3M+70.7% | -$72.9M-153.7% | -$28.7M-1715.0% | -$1.6M+92.3% | -$20.5M+80.3% | -$103.9M+39.4% | -$171.6M |
| Financing Cash Flow | -$18.2M-147.7% | $38.2M+685.2% | $4.9M-84.0% | $30.3M+170.3% | -$43.1M-95.8% | -$22.0M-120.2% | $109.3M-17.7% | $132.8M |
| Dividends Paid | $3.1M+14.5% | $2.7M+0.1% | $2.7M0.0% | $2.7M-5.5% | $2.9M+17.0% | $2.4M+10.0% | $2.2M-1.3% | $2.2M |
| Share Buybacks | $0 | $0 | $0-100.0% | $455K-14.3% | $531K | $0-100.0% | $965K-36.3% | $1.5M |
MFIN Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 6.3%-8.7pp | 14.9%+5.3pp | 9.6%-4.7pp | 14.3%-1.6pp | 15.9%+2.7pp | 13.3%+2.0pp | 11.3%+1.2pp | 10.0% |
| Return on Equity | 1.2%-1.8pp | 3.0%+1.0pp | 1.9%-0.9pp | 2.8%-0.3pp | 3.2%+0.4pp | 2.7%+0.4pp | 2.4%+0.4pp | 2.0% |
| Return on Assets | 0.2%-0.2pp | 0.4%+0.1pp | 0.3%-0.1pp | 0.4%-0.0pp | 0.4%+0.1pp | 0.4%+0.1pp | 0.3%+0.0pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.520.0 | 0.53-0.0 | 0.54+0.0 | 0.51-0.0 | 0.53-0.1 | 0.63-0.0 | 0.64-0.0 | 0.65 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
What is Medallion Finacl's annual revenue?
Medallion Finacl (MFIN) reported $315.3M in total revenue for fiscal year 2025. This represents a 8.5% 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 Finacl's revenue growing?
Medallion Finacl (MFIN) revenue grew by 8.5% year-over-year, from $290.7M to $315.3M in fiscal year 2025.
Is Medallion Finacl profitable?
Yes, Medallion Finacl (MFIN) reported a net income of $43.0M in fiscal year 2025, with a net profit margin of 13.7%.
How much debt does Medallion Finacl have?
As of fiscal year 2025, Medallion Finacl (MFIN) had $136.3M in cash and equivalents against $216.0M in long-term debt.
What is Medallion Finacl's net profit margin?
Medallion Finacl (MFIN) had a net profit margin of 13.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Medallion Finacl's return on equity (ROE)?
Medallion Finacl (MFIN) has a return on equity of 10.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Medallion Finacl's operating cash flow?
Medallion Finacl (MFIN) generated $126.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Medallion Finacl's total assets?
Medallion Finacl (MFIN) had $3.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Medallion Finacl's debt-to-equity ratio?
Medallion Finacl (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.
What is Medallion Finacl's return on assets (ROA)?
Medallion Finacl (MFIN) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Medallion Finacl's Piotroski F-Score?
Medallion Finacl (MFIN) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. 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.
Are Medallion Finacl's earnings high quality?
Medallion Finacl (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.
How financially healthy is Medallion Finacl?
Medallion Finacl (MFIN) scores 30 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.