MFIN
MEDALLION FINANCIAL CORP
Next earnings Jul 28, 2026 · consensus $0.29 EPS, $57.8M rev
$10.12
▼ -1.75%$10.12▲ +9.90%
over 1Y
L $7.89H $10.52
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-1.7%
1W+1.5%
1M+3.0%
3M+21.2%
YTD+2.3%
1Y+9.9%
Buy
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 8 analysts
Buy
Deep-value specialty lender at 5.7x earnings and ~0.58x book, with growing profits and a potential Bank-monetization kicker.
P/E 5.7 · FY2025
The read
Quality fundamentals and an attractive price line up (~568% below fair value) — the rarer case where both the business and the entry look good.
Medallion Financial is a specialty consumer lender (95% of the book is RV, boat, collector-car and home-improvement paper originated by its FDIC-regulated Medallion Bank) trading at just 5.7x FY2025 diluted EPS of $1.78 and roughly 0.58x book — equity of $409M against 23.5M shares is ~$17.4/share versus a $10.12 price. FY2025 net income of $43.0M grew 20% YoY, EPS grew 17%, equity rose 10.4%, retained earnings jumped 24.7% and cash grew to $136M. Operating cash flow of $126M comfortably covers the $11.0M dividend. For a levered lender at 5.99x liabilities/equity, that combination of a double-digit ROE (10.5%), a shrinking long-term debt load (-7.0%), and a large discount to tangible book is a classic value setup.
Is MFIN a buy? The one-page verdict, explained →
The options angle
model · matches our verdictBull call spread~60d expiry
- Long call 10 @ ~0.54 est
- Short call 11 @ ~0.16 est
debit $38max +$62max −$38BE 10.38
BUY verdict with defined risk: the short call finances part of the long one; max loss is the net debit.
Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $54.1M | $43.8M | $55.1M | $35.9M | $43.0M |
| Diluted EPS | $2.17 | $1.83 | $2.37 | $1.52 | $1.78 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)0.28
Earnings yield18.4%
FCF yield—
Quality & risk
ROIC (est.)—
Free cash flow—
Total debt$311M
Net cash-$175M
Piotroski F-Score5/6
Capital returns
Buyback yield0.4%
Dividend yield (est.)4.7%
Shareholder yield5.1%
Shares Δ YoY+1.2%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 8-K Officer / director change2026-06-26
Executive/board leadership change disclosed (Item 5.02)
- S-3 Shelf registration (potential raise)2026-06-18
Shelf registration filed; enables future raises, possible dilution
- 8-K Shareholder vote2026-06-12
Officer/director appointment or comp change disclosed
- 8-K Other event2026-06-12
Officer/director appointment or comp change disclosed
- 8-K Officer / director change2026-06-12
Officer/director appointment or comp change disclosed
- 8-K Other event2026-06-10
Corporate update furnished with supporting exhibits
- 8-K Other event2026-06-04
Other-events disclosure (likely dividend/press release)
- 10-Q Quarterly report2026-05-05
Q1'26 update; ~$3B assets, consumer loans 95% of portfolio
- 10-K Annual report2026-03-10
FY25 net income $43.0M (+20%), EPS $1.78; equity +10%
Recent filings
all on EDGAR ↗EFFECTFiling2026-07-01open ↗4Period ending 2026-06-252026-06-26open ↗8-KPeriod ending 2026-06-252026-06-26open ↗S-3Filing2026-06-18open ↗8-KPeriod ending 2026-06-092026-06-12open ↗8-KPeriod ending 2026-06-112026-06-12open ↗8-KPeriod ending 2026-06-112026-06-12open ↗4Period ending 2026-06-092026-06-10open ↗4Period ending 2026-06-092026-06-10open ↗4Period ending 2026-06-092026-06-10open ↗4Period ending 2026-06-092026-06-10open ↗4Period ending 2026-06-092026-06-10open ↗
Frequently asked
- Is MEDALLION FINANCIAL CORP (MFIN) a buy?
- MFIN currently carries a Buy rating with 3/5 conviction, derived from its latest SEC filings. Deep-value specialty lender at 5.7x earnings and ~0.58x book, with growing profits and a potential Bank-monetization kicker.
- What is MFIN's fair value?
- A Modified-Graham model based on MFIN's SEC fundamentals estimates a fair value of about $67.64. It is an estimate from reported earnings, not a price target.
- Is MFIN overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, MFIN currently appears undervalued relative to its SEC-grounded earnings power.
- What is MEDALLION FINANCIAL CORP's quality score?
- MFIN scores 78.8918640776699/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001000209, latest 10-Q filed 2026-05-05) · EODHD · Proprietary analysis · as of 7/3/2026, 10:59:45 AM.
About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jul 3, 2026, 6:59 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.