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Medallion Financial Corp

Medallion Financial Corp

MFIN
$12.11USD↑+0.21%+0.02 today

MARKET CAP

278.0M

P/E (TTM)

9.2x

FWD P/E

8.9x

DAY RANGE

$12 – $12

52W RANGE

$8
$12

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.

  • ↑Record Q2 originations of $128.6M home improvement (+100% YoY) and $228.5M recreational (+60% YoY)
  • ↑Total loans rose 12% YoY to $2.79B while net interest income climbed 7% to $57.2M
  • ↓Recreational portfolio 90+ day delinquency rate at 0.82% indicates rising credit risk
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Medallion Financial Corp. (NASDAQ: MFIN) is a diversified specialty finance company primarily focused on consumer loans within the recreational and home improvement sectors. Operating through its subsidiaries, Medallion Bank and Medallion Capital, the company capitalizes on its unique banking structure to attract low-cost, FDIC-insured deposits. Medallion Financial's strategic positioning within this niche market, coupled with heightened demand for consumer credit, supports its growth trajectory amid evolving economic dynamics.

Bull says

  • ↑Record Q2 originations of $128.6M home improvement (+100% YoY) and $228.5M recreational (+60% YoY)
  • ↑Total loans rose 12% YoY to $2.79B while net interest income climbed 7% to $57.2M
  • ↑Quarterly dividend increased to $0.14/share (+16.7% QoQ) and 780K shares repurchased
  • ↑Strategic partnerships drove $258.3M in originations; plans to add new partners
  • ↑Average FICO scores remain robust at 781 for home improvement and 688 for recreational loans
  • ↑Valuation supported by high earnings yield, strong book-to-price, positive revisions, low volatility and 0.54% dividend yield

Bear says

  • ↓Recreational portfolio 90+ day delinquency rate at 0.82% indicates rising credit risk
  • ↓Operating expenses surged 16% YoY to $25M in Q2, pressuring profit margins
  • ↓Reliance on strategic partnerships risks originations if new partners aren’t secured
  • ↓Vulnerability to sector downturns in home improvement and recreational lending
  • ↓Cost of funds increased to 4.32%, risking net interest margin compression
  • ↓Negative growth and size factors plus high short interest suggest investor skepticism

Earnings Call · Q2 2025 · Mgmt. Guidance

Updated 08-15-2026bullish

Transcript signals

Bull points

  • For the second quarter, net interest income grew 7% to $53.4 million from the same quarter a year ago.
  • Our loan portfolio was 2.49 billion at the end of June, up 4% from a year ago, and included both loans held for investment and loans held for sale.
  • For the quarter, the average yield on our loan portfolio increased 29 basis points from a year ago to 12.27%.

Bear points

  • Consumer loans more than 90 days past due were 8.6 million or 0.37% of total consumer loans as compared to 11.4 million or 0.49% at the end of 2024 and 7.2 million or 0.33% a year ago.
  • Net charge-offs in the recreation portfolio during the quarter were $11.9 million, or 3.25% of the average portfolio, and were 3.8 million or 1.87% of the average home improvement portfolio.
  • Net taxi medallion assets declined to just $5.9 million and now represent less than 0.3% of our total assets.
Read full transcript analysis ›