Medallion Financial Corp., through with its subsidiaries, operates as a finance company in the United States.
Moderate growth potential and slightly overvalued.
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's share price has been volatile over the past 3 months.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: MFIN underperformed the US Consumer Finance industry which returned -30.9% over the past year.
Return vs Market: MFIN underperformed the US Market which returned -11.5% over the past year.
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
2 weeks ago | Simply Wall StDo Insiders Own Shares In Medallion Financial Corp. (NASDAQ:MFIN)?
1 month ago | Simply Wall StOur Take On Medallion Financial Corp.'s (NASDAQ:MFIN) CEO Salary
Is Medallion Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) 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 poor value based on its PE Ratio (34.5x) compared to the Consumer Finance industry average (5.1x).
PE vs Market: MFIN is poor value based on its PE Ratio (34.5x) compared to the US market (13x).
Price to Earnings Growth Ratio
PEG Ratio: MFIN is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: MFIN is good value based on its PB Ratio (0.2x) compared to the US Consumer Finance industry average (0.7x).
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's forecast earnings growth (87% per year) is above the savings rate (1.7%).
Earnings vs Market: MFIN's earnings (87% per year) are forecast to grow faster than the US market (12.3% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: MFIN's revenue is expected to decline over the next 3 years (-9.2% per year).
High Growth Revenue: MFIN's revenue is forecast to decline over the next 3 years (-9.2% 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 (11.6%).
How has Medallion Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MFIN has high quality earnings.
Growing Profit Margin: MFIN became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: MFIN's earnings have declined by -55% per year over the past 5 years.
Accelerating Growth: MFIN has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: MFIN has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (8.6%).
Return on Equity
High ROE: MFIN's Return on Equity (1.5%) is considered low.
How is Medallion Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: MFIN has a low level of unsold assets or inventory.
Debt Coverage by Assets: MFIN's debt is covered by short term assets (assets are 1x debt).
Financial Institutions Analysis
Asset Level: MFIN's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if MFIN has a sufficient allowance for bad loans.
Low Risk Liabilities: MFIN reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if MFIN has an acceptable proportion of non-loan assets held.
Low Risk Deposits: MFIN has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if MFIN has an appropriate level of bad loans.
What is Medallion Financial's 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 payouts.
High Dividend: Unable to evaluate MFIN's dividend yield against the top 25% of dividend payers, as the company has not reported any 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 (84yo)
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 ($USD1.33M) is above average for companies of similar size in the US market ($USD601.33K).
Compensation vs Earnings: Alvin's compensation has been consistent with company performance over the past year.
|Chairman & CEO||24.08yrs||US$1.33m||6.79% $3.4m|
|Senior VP & CFO||16yrs||US$605.43k||0.41% $208.8k|
|CEO & President of Medallion Bank||4.83yrs||US$666.96k||0.38% $194.2k|
|Senior Vice President of Medallion Capital||22.17yrs||US$494.52k||0.16% $81.1k|
|Chief Compliance Officer||5yrs||no data||0.081% $40.9k|
|Senior Vice President||no data||no data||no data|
|Executive VP & Chief Credit Officer||2.92yrs||no data||0.088% $44.6k|
|Acting President & Executive VP of Medallion Capital||7.17yrs||US$500.20k||0.20% $103.1k|
|Assistant Controller||no data||no data||no data|
Experienced Management: MFIN's management team is seasoned and experienced (11.6 years average tenure).
|Chairman & CEO||24.08yrs||US$1.33m||6.79% $3.4m|
|Independent Director||2.67yrs||US$110.99k||0.29% $145.6k|
|Independent Director||15.33yrs||US$85.42k||0.041% $20.8k|
|Non-Independent Director||24.08yrs||US$117.74k||0.91% $462.3k|
|Independent Director||2.42yrs||US$91.75k||0.18% $92.7k|
|Independent Director||16.83yrs||US$98.37k||0.064% $32.2k|
Experienced Board: MFIN's board of directors are seasoned and experienced ( 16.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if 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$50.750m
- Shares outstanding: 24.40m
- 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 taxicab medallions and various types of commercial businesses. The company offers consumer loans for the purchase of recreational vehicles, boats, motorcycles, and trailers, as well as to finance small scale home improvements; and commercial loans for the purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business. It also provides secured mezzanine loans to businesses in various industries; other secured commercial loans; and other debt, mezzanine, and equity investment capital to companies in various industries. In addition, the company raises deposits and conducts other banking activities. Medallion Financial Corp. was founded in 1995 and is headquartered in New York City, New York.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/03/28 23:51|
|End of Day Share Price||2020/03/27 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.