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.
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).
Medallion’s reported profits recovered, but its lending model converts accounting earnings into cash that is largely redeployed into assets.
FY2025 revenue expanded19.2% from FY2024, while net margin held near16.9% ; 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
Operating cash flow rose to
Financial Health Signals
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.
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.
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
Earnings & Revenue
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%.
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%.
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%.
Not reported for Q2 2026.
Cash & Balance Sheet
Medallion Financial Corp held $172.6M in cash against $287.5M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Not reported for Q2 2026.
Margins & Returns
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.
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.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
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.
Not reported for Q2 2026.
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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-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/A | 24M+4.2% | 24M+2.6% | 24M+0.6% | N/A | 23M+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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 12.1%-5.6pp | 8.8%-10.3pp | 17.3%-0.7pp | 13.2%-2.9pp | 17.7%+3.8pp | 19.1%+0.3pp | 18.0%-9.5pp | 16.2%-5.0pp |
| Return on Equity | 1.8%-1.0pp | 1.2%-2.0pp | 3.0%+0.2pp | 1.9%-0.4pp | 2.8%+0.8pp | 3.2%+0.3pp | 2.7%-1.4pp | 2.4%-1.0pp |
| Return on Assets | 0.2%-0.1pp | 0.2%-0.2pp | 0.4%+0.1pp | 0.3%0.0pp | 0.4%+0.1pp | 0.4%0.0pp | 0.4%-0.2pp | 0.3%-0.1pp |
| Debt-to-Equity | 0.71+0.2x | 0.520.0x | 0.53-0.1x | 0.54-0.1x | 0.51-0.1x | 0.53-0.1x | 0.63-0.1x | 0.640.0x |
| Asset Turnover | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x |
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 |
Where Medallion Financial Corp Ranks
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%.
How much debt does Medallion Financial Corp have?
As of fiscal year 2025, Medallion Financial Corp (MFIN) had $136.3M in cash and equivalents against $216.0M in long-term debt.
What is Medallion Financial Corp's net profit margin?
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.
What is Medallion Financial Corp's return on equity (ROE)?
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.
What is Medallion Financial Corp's operating cash flow?
Medallion Financial Corp (MFIN) generated $126.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Medallion Financial Corp's total assets?
Medallion Financial Corp (MFIN) had $3.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Medallion Financial Corp's debt-to-equity ratio?
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.
What is Medallion Financial Corp's return on assets (ROA)?
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.
What is Medallion Financial Corp's P/E ratio?
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.
What is Medallion Financial Corp's price-to-sales ratio?
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.
What is Medallion Financial Corp's Piotroski F-Score?
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.
Are Medallion Financial Corp's earnings high quality?
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.