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Medallion Financial Corp

Medallion Financial Corp

MFIN
$9.95USD↓-2.74%-0.28 today

MARKET CAP

230.0M

P/E (TTM)

7.0x

FWD P/E

7.0x

DAY RANGE

$10 – $10

52W RANGE

$8
$11

AI Summary

Stalk
StalkMedium

MFIN remains in a Stage 2 advancing uptrend with higher highs and lows since March, but the late-June Bullish Exhaustion S candle and flattening short-term EMAs signal weakening momentum. Price is currently pulling back into the rising 9/21 EMAs and the 50 DMA, creating a deferred entry zone. RSI and OB/OS remain neutral, and no oversold extremes are evident. Recommendation is to stalk for a clear pullback acceptance in the EMA/50 DMA area before initiating a long position.

  • ↑Q1 loan originations climbed 64% YoY to $377 M, hitting record volumes
  • ↑Net interest income rose 5% YoY to $54.1 M; NIM expanded to 8%
  • ↓Recreational loan delinquencies rose to 0.57% amid credit tightening
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Medallion Financial Corp. (NASDAQ: MFIN) is a specialized finance company primarily focusing on consumer and commercial lending, with an emphasis on recreational vehicles (RVs), home improvement financing, and taxi medallion loans. The company operates through subsidiaries Medallion Bank and Medallion Capital, positioning itself strategically for diversified income streams and steady cash generation, particularly in niche markets. As the consumer lending landscape evolves, Medallion is actively enhancing its operational efficiency and competitive edge through technology investments and partnerships.

Bull says

  • ↑Q1 loan originations climbed 64% YoY to $377 M, hitting record volumes
  • ↑Net interest income rose 5% YoY to $54.1 M; NIM expanded to 8%
  • ↑Dividend increased to $0.14/share, delivering a 5.7% yield
  • ↑Investments in digital platforms aim to boost efficiency and scale
  • ↑Lending to borrowers with avg. FICO of 688–781 supports credit quality
  • ↑Attractive earnings yield and solid book-to-price ratio suggest valuation upside

Bear says

  • ↓Recreational loan delinquencies rose to 0.57% amid credit tightening
  • ↓Operating expenses spiked to $22.4 M from staffing and tech costs
  • ↓Negative growth score signals challenges sustaining revenue expansion
  • ↓Low institutional interest and high short interest reflect market skepticism
  • ↓Margin compression risk persists as credit standards tighten
  • ↓Growth gains may be priced in given macroeconomic pressures

Earnings Call · Q1 2025 · Mgmt. Guidance

Updated 06-14-2026neutral

Transcript signals

Bull points

  • We had a very strong start to the year with all aspects of our company contributing to the delivery of $12 million of net income and 50 cents of earnings per share for our shareholders.
  • It had solid origination activity of $136 million for the quarter, and we maintained a healthy $2.4 billion loan book.
  • Average FICOs at origination are now $685 for REC and $781 for Home Improvement.

Bear points

  • 7.94 percent for the quarter up 10 basis points from the fourth quarter and down 16 basis points from a year ago, with the decrease overwhelmingly attributable to our cost of funds increasing 49 basis points to 4.16% from the prior year
  • Our provision for credit loss was $22 million for the quarter, an increase from the $20.6 million in the fourth quarter and $17.2 million in the prior year quarter
  • $16.4 million or 4.67% of the average portfolio and were $3.1 million or 1.55% of the average home improvement portfolio
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