Medallion Financial Corp., through with its subsidiaries, operates as a finance company in the United States. More Details
Moderate growth potential with imperfect balance sheet.
Share Price & News
How has Medallion Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: MFIN is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 10% a week.
Volatility Over Time: MFIN's weekly volatility has decreased from 16% to 10% over the past year.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: MFIN underperformed the US Consumer Finance industry which returned -4.4% over the past year.
Return vs Market: MFIN underperformed the US Market which returned 20.4% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Medallion Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StInvestors Who Bought Medallion Financial (NASDAQ:MFIN) Shares Three Years Ago Are Now Up 54%
1 month ago | Simply Wall StWhat We Learned About Medallion Financial's (NASDAQ:MFIN) CEO Pay
Is Medallion Financial undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate MFIN's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate MFIN's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: MFIN is unprofitable, so we can't compare its PE Ratio to the US Consumer Finance industry average.
PE vs Market: MFIN is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate MFIN's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: MFIN is good value based on its PB Ratio (0.6x) compared to the US Consumer Finance industry average (1.2x).
How is Medallion Financial forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: MFIN is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2.2%).
Earnings vs Market: MFIN is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: MFIN's is expected to become profitable in the next 3 years.
Revenue vs Market: MFIN's revenue (6.6% per year) is forecast to grow slower than the US market (10.2% per year).
High Growth Revenue: MFIN's revenue (6.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: MFIN's Return on Equity is forecast to be low in 3 years time (13.2%).
How has Medallion Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MFIN is currently unprofitable.
Growing Profit Margin: MFIN is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: MFIN is unprofitable, and losses have increased over the past 5 years at a rate of 62.6% per year.
Accelerating Growth: Unable to compare MFIN's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: MFIN is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-24.5%).
Return on Equity
High ROE: MFIN has a negative Return on Equity (-11.94%), as it is currently unprofitable.
How is Medallion Financial's financial position?
Financial Position Analysis
Short Term Liabilities: MFIN's short term assets ($1.3B) exceed its short term liabilities ($508.8M).
Long Term Liabilities: MFIN's short term assets ($1.3B) exceed its long term liabilities ($798.3M).
Debt to Equity History and Analysis
Debt Level: MFIN's debt to equity ratio (426.1%) is considered high.
Reducing Debt: MFIN's debt to equity ratio has increased from 136.7% to 426.1% over the past 5 years.
Debt Coverage: MFIN's debt is not well covered by operating cash flow (6.1%).
Interest Coverage: Insufficient data to determine if MFIN's interest payments on its debt are well covered by EBIT.
What is Medallion Financial current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate MFIN's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate MFIN's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if MFIN's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if MFIN's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: MFIN is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of MFIN's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Alvin Murstein (85 yo)
Mr. Alvin Murstein has been the Chairman of Medallion Financial Corp. since 1995 and has been its Chief Executive Officer since February 1996. Mr. Murstein has also been the Chairman, President and Chief E...
CEO Compensation Analysis
Compensation vs Market: Alvin's total compensation ($USD1.50M) is above average for companies of similar size in the US market ($USD561.41K).
Compensation vs Earnings: Alvin's compensation has increased whilst the company is unprofitable.
|Chairman & CEO||24.75yrs||US$1.50m||6.73% |
|Senior VP & CFO||16.67yrs||US$718.45k||0.41% |
|CEO & President of Medallion Bank||5.5yrs||US$727.74k||0.39% |
|President of Medallion Capital Inc.||no data||US$454.80k||0.043% |
|Director of Investor Relations & Communications||no data||no data||no data|
|Chief Compliance Officer||5.67yrs||no data||0.080% |
|Executive VP & Chief Credit Officer||3.58yrs||no data||0.088% |
|Acting President & Executive VP of Medallion Capital||7.83yrs||US$500.20k||0.20% |
|Assistant Controller||no data||no data||no data|
|Senior Vice President of Medallion Capital||22.83yrs||US$494.52k||0.16% |
Experienced Management: MFIN's management team is seasoned and experienced (12.3 years average tenure).
|Chairman & CEO||24.75yrs||US$1.50m||6.73% |
|Independent Director||3.33yrs||US$141.67k||0.29% |
|Non-Independent Director||24.75yrs||US$133.13k||0.89% |
|Independent Director||3.08yrs||US$144.53k||0.18% |
|Independent Director||17.5yrs||US$115.02k||0.063% |
|Independent Director||0.42yr||no data||no data|
Experienced Board: MFIN's board of directors are seasoned and experienced ( 17.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: MFIN insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Medallion Financial Corp.'s company bio, employee growth, exchange listings and data sources
- Name: Medallion Financial Corp.
- Ticker: MFIN
- Exchange: NasdaqGS
- Founded: 1995
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$135.517m
- Shares outstanding: 24.46m
- Website: https://www.medallion.com
Number of Employees
- Medallion Financial Corp.
- 437 Madison Avenue
- 38th Floor
- New York City
- New York
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|MFIN||NasdaqGS (Nasdaq Global Select)||Yes||Common Shares||US||USD||May 1996|
|MD5||DB (Deutsche Boerse AG)||Yes||Common Shares||DE||EUR||May 1996|
|MFIN.L||NasdaqGS (Nasdaq Global Select)||NT||US||USD||Apr 2016|
Medallion Financial Corp., through with its subsidiaries, operates as a finance company in the United States. It originates, acquires, and services loans that finance taxi medallions and various types of c...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/11/24 23:32|
|End of Day Share Price||2020/11/24 00:00|
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.