Medallion Financial Balance Sheet Health
Financial Health criteria checks 2/6
Medallion Financial has a total shareholder equity of $431.2M and total debt of $2.4B, which brings its debt-to-equity ratio to 554.1%. Its total assets and total liabilities are $2.9B and $2.4B respectively. Medallion Financial's EBIT is $148.9M making its interest coverage ratio 1.8. It has cash and short-term investments of $187.9M.
Key information
554.1%
Debt to equity ratio
US$2.39b
Debt
| Interest coverage ratio | 1.8x |
| Cash | US$187.93m |
| Equity | US$431.18m |
| Total liabilities | US$2.45b |
| Total assets | US$2.88b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Short Term Liabilities: MD5's short term assets ($2.6B) exceed its short term liabilities ($82.6M).
Long Term Liabilities: MD5's short term assets ($2.6B) exceed its long term liabilities ($2.4B).
Debt to Equity History and Analysis
Debt Level: MD5's net debt to equity ratio (510.5%) is considered high.
Reducing Debt: MD5's debt to equity ratio has increased from 405.4% to 554.1% over the past 5 years.
Debt Coverage: MD5's debt is not well covered by operating cash flow (4.5%).
Interest Coverage: MD5's interest payments on its debt are not well covered by EBIT (1.8x coverage).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/26 11:56 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Medallion Financial Corp. is covered by 9 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Matthew Howlett | B. Riley Securities, Inc. |
| Giuliano Anderes Bologna | BTIG |
| Collyn Gilbert | Keefe, Bruyette, & Woods |