What is Medallion Finacl's earnings per share (EPS)?

Medallion Finacl (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.

Medallion Finacl Financials

MFIN

Trailing 12 months to June 30, 2026

Revenue $325.9M +6.6% YoY

Net Income $32.4M -22.7% YoY

EPS (Diluted) $1.33 -24.4% YoY

Free Cash Flow Not reported for the trailing 12 months

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Medallion Finacl (MFIN) reported $325.9M in revenue over the twelve months to Jun 30, 2026, up 6.6% 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 2026-08-29

Expanding assets with declining leverage, while rising funding costs keep reported profitability below its earlier peak.

Interest expense rose from $62.9M in FY2023 to $98.4M in FY2025 even as revenue expanded, making funding cost the clearest constraint on earnings. Net margin was 13.7% in FY2025 versus 21.9% in FY2023, so the latest improvement remains below earlier economics.

Assets increased from $1.87B in FY2021 to $2.96B in FY2025, indicating balance-sheet expansion rather than a static financial base. Over the same span, debt-to-equity declined from 0.8x to 0.5x, as equity grew faster than liabilities and reduced reliance on debt.

Operating cash flow reached $126M in FY2025 against $43M of net income, a gap that suggests reported earnings include meaningful non-cash or timing effects. Meanwhile, investing outflow narrowed to -$124M from -$329M in FY2024, indicating less cash was deployed into expansion than during the prior phase.

Financial Health Signals

Financial health score not available

Medallion Finacl 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 Finacl 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 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

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Earnings & Revenue

Revenue

$315.3M

YoY+8.5%

5Y CAGR+16.8%

Medallion Finacl generated $315.3M in revenue in fiscal year 2025. This represents an increase of 8.5% from the prior year.

Net Income

$43.0M

YoY+20.0%

Medallion Finacl reported $43.0M in net income in fiscal year 2025. This represents an increase of 20.0% from the prior year.

EPS (Diluted)

$1.78

YoY+17.1%

Medallion Finacl earned $1.78 per diluted share (EPS) in fiscal year 2025. This represents an increase of 17.1% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt

$136.3M

YoY+38.7%

5Y CAGR+20.0%

Medallion Finacl held $136.3M in cash against $216.0M in long-term debt as of fiscal year 2025.

Shares Outstanding

24M

YoY+1.2%

5Y CAGR-1.2%

Medallion Finacl had 24M shares outstanding in fiscal year 2025. This represents an increase of 1.2% from the prior year.

Free Cash Flow

Not reported for fiscal year 2025.

Dividends Per Share

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

13.7%

YoY+1.3pp

5Y CAGR+37.6pp

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.

Return on Equity

10.5%

YoY+0.8pp

5Y CAGR+25.6pp

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$986K

YoY-78.6%

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.

R&D Spending

Not reported for fiscal year 2025.

Capital Expenditures

Not reported for fiscal year 2025.

MFIN Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

MFIN quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17
Revenue	$325.9M	$315.3M+8.5%	$290.7M+15.8%	$251.0M+27.7%	$196.6M+23.7%	$159.0M+9.7%	$145.0M+9.4%	$132.6M+31.5%	$100.8M	N/A
SG&A Expenses	$43.8M	$41.7M+8.7%	$38.3M+2.1%	$37.6M+20.7%	$31.1M-1.5%	$31.6M+12.1%	$28.2M+12.8%	$25.0M+15.0%	$21.7M	N/A
Interest Expense	$102.5M	$98.4M+11.6%	$88.2M+40.1%	$62.9M+74.0%	$36.2M+16.2%	$31.1M-8.8%	$34.2M-2.6%	$35.0M+23.5%	$28.4M	N/A
Income Tax	$21.1M	$24.5M+16.8%	$21.0M-15.7%	$24.9M+38.7%	$18.0M-25.8%	$24.2M+340.4%	-$10.1M-3054.3%	$341K+394.2%	$69K+100.2%	-$36.2M
Net Income	$32.4M	$43.0M+20.0%	$35.9M-34.9%	$55.1M+25.6%	$43.8M-19.0%	$54.1M+255.6%	-$34.8M-1874.1%	-$1.8M+93.0%	-$25.0M	N/A
EPS (Diluted)	$1.33	$1.78+17.1%	$1.52-35.9%	$2.37+29.5%	$1.83-15.7%	$2.17+252.8%	-$1.42-1928.6%	-$0.07+93.2%	-$1.03-10400.0%	$0.01

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$84.4M+6.7%	$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
SG&A Expenses	$11.2M+2.2%	$11.0M-3.3%	$11.4M+12.2%	$10.1M0.0%	$10.1M+1.6%	$10.0M0.0%	$10.0M+5.7%	$9.5M
Interest Expense	$27.1M+8.5%	$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
Income Tax	$4.7M+9.0%	$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
Net Income	$7.4M+50.3%	$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
EPS (Diluted)	$0.31+55.0%	$0.20-60.0%	$0.50+56.3%	$0.32-30.4%	$0.46-8.0%	$0.50+16.3%	$0.43+16.2%	$0.37

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

MFIN Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

MFIN quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17
Total Assets	$3.0B+3.0%	$2.9B+10.8%	$2.6B+14.5%	$2.3B+20.7%	$1.9B+14.0%	$1.6B+6.5%	$1.5B+11.6%	$1.4B+28.3%	$1.1B
Cash & Equivalents	$136.3M+38.7%	$98.2M+86.8%	$52.6M+58.5%	$33.2M-48.6%	$64.5M+17.8%	$54.7M+209.3%	$17.7M-69.3%	$57.7M+35.8%	$42.5M
Goodwill	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M	N/A
Total Liabilities	$2.4B+0.7%	$2.4B+11.7%	$2.2B+15.2%	$1.9B+24.5%	$1.5B+13.4%	$1.3B+10.8%	$1.2B+10.6%	$1.1B+19.5%	$913.1M
Long-Term Debt	$216.0M-7.0%	$232.2M-1.4%	$235.5M+9.9%	$214.3M-2.6%	$220.0M+43.1%	$153.7M-12.0%	$174.6M+10.0%	$158.8M	N/A
Total Equity	$408.6M+10.4%	$370.2M+7.9%	$343.0M+13.7%	$301.7M+5.1%	$287.0M+24.0%	$231.4M-12.1%	$263.1M+0.2%	$262.6M+59.9%	$164.2M
Retained Earnings	$162.4M+24.7%	$130.3M+25.4%	$103.9M+55.8%	$66.7M+117.8%	$30.6M+230.2%	-$23.5M-308.3%	$11.3M-13.5%	$13.0M	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$3.2B+8.2%	$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
Cash & Equivalents	$172.6M+83.8%	$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
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	$2.7B+10.0%	$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
Long-Term Debt	$287.5M+34.3%	$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
Total Equity	$406.0M-0.5%	$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
Retained Earnings	$168.6M+2.5%	$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

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

MFIN quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17
Operating Cash Flow	$174.9M	$126.3M+16.2%	$108.7M-4.5%	$113.8M+4.6%	$108.7M+38.1%	$78.7M0.0%	$78.7M+21.2%	$64.9M-2.4%	$66.6M	N/A
Investing Cash Flow	-$382.8M	-$124.5M+62.2%	-$328.9M+3.5%	-$340.7M+24.1%	-$449.0M-88.4%	-$238.3M-39.4%	-$171.0M+17.2%	-$206.5M-771.5%	-$23.7M	N/A
Financing Cash Flow	$261.9M	$30.2M-87.4%	$240.0M-11.5%	$271.2M-15.6%	$321.4M+86.8%	$172.0M+26.1%	$136.5M-10.0%	$151.7M+648.5%	-$27.7M	N/A
Dividends Paid	$11.7M	$11.0M+16.8%	$9.4M+22.0%	$7.7M+2.1%	$7.5M	$0	$0	N/A	$66K	N/A
Share Buybacks	$7.7M	$986K-78.6%	$4.6M	$0-100.0%	$20.6M	$0	$0	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$17.5M-57.7%	$41.3M+22.4%	$33.8M-59.0%	$82.3M+458.6%	-$23.0M-169.3%	$33.1M+37.1%	$24.2M-1.8%	$24.6M
Investing Cash Flow	-$187.2M-117.7%	-$86.0M-303.1%	-$21.3M+75.8%	-$88.2M-560.1%	-$13.4M-744.6%	-$1.6M+92.3%	-$20.5M+80.3%	-$103.9M
Financing Cash Flow	$237.1M+1402.4%	-$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
Dividends Paid	$3.2M+4.4%	$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
Share Buybacks	$7.7M	$0	$0	$0-100.0%	$455K-14.3%	$531K	$0-100.0%	$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.

MFIN quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17
Net Margin	13.7%+1.3pp	12.3%-9.6pp	21.9%-0.4pp	22.3%-11.7pp	34.0%+58.0pp	-24.0%-22.7pp	-1.3%+23.5pp	-24.8%	N/A
Return on Equity	10.5%+0.8pp	9.7%-6.4pp	16.1%+1.5pp	14.5%-4.3pp	18.9%+33.9pp	-15.0%-14.4pp	-0.7%+8.9pp	-9.5%	N/A
Return on Assets	1.5%+0.2pp	1.3%-0.9pp	2.1%+0.2pp	1.9%-0.9pp	2.9%+5.0pp	-2.1%-2.0pp	-0.1%+1.7pp	-1.8%	N/A
Debt-to-Equity	0.53-0.1x	0.63-0.1x	0.690.0x	0.71-0.1x	0.77+0.1x	0.660.0x	0.66+0.1x	0.60-5.0x	5.56

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	8.8%+2.6pp	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%
Return on Equity	1.8%+0.6pp	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%
Return on Assets	0.2%+0.1pp	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%
Debt-to-Equity	0.71+0.2x	0.520.0x	0.530.0x	0.540.0x	0.510.0x	0.53-0.1x	0.630.0x	0.64

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

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Where Medallion Finacl Ranks

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.

Does Medallion Finacl buy back shares?

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

How many shares does Medallion Finacl have outstanding?

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

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 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.

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.