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MFIN Medallion Financial Corp

Price (delayed)

$8.13

Market cap

$188.36M

P/E Ratio

4.3

Dividend/share

$0.4

EPS

$1.89

Enterprise value

$304.78M

Medallion Financial Corp. is a finance company that originates and services loans in various industries, and its wholly owned subsidiary, Medallion Bank, also originates and services consumer loans. Medallion Financial ...

Highlights
Medallion Financial's equity has increased by 11% YoY
The P/E is 19% above the last 4 quarters average of 3.6
The company's EPS fell by 15% YoY and by 14% QoQ

Key stats

What are the main financial stats of MFIN
Market
Shares outstanding
23.17M
Market cap
$188.36M
Enterprise value
$304.78M
Valuations
Price to earnings (P/E)
4.3
Price to book (P/B)
0.54
Price to sales (P/S)
1.24
EV/EBIT
4.63
EV/EBITDA
4.28
EV/Sales
2.06
Earnings
Revenue
$148.31M
EBIT
$65.87M
EBITDA
$71.29M
Free cash flow
$115.38M
Per share
EPS
$1.89
Free cash flow per share
$5.11
Book value per share
$15.14
Revenue per share
$6.56
TBVPS
$114.62
Balance sheet
Total assets
$2.76B
Total liabilities
$2.34B
Debt
$274.37M
Equity
$354M
Working capital
N/A
Liquidity
Debt to equity
0.78
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.63
Margins
EBITDA margin
48.1%
Gross margin
100%
Net margin
28.8%
Operating margin
55.3%
Efficiency
Return on assets
1.6%
Return on equity
12.4%
Return on invested capital
2.6%
Return on capital employed
N/A
Return on sales
44.4%
Dividend
Dividend yield
4.92%
DPS
$0.4
Payout ratio
21.2%

MFIN stock price

How has the Medallion Financial stock price performed over time
Intraday
1.37%
1 week
1.25%
1 month
6.41%
1 year
19.91%
YTD
-17.46%
QTD
-0.12%

Financial performance

How have Medallion Financial's revenue and profit performed over time
Revenue
$148.31M
Gross profit
$148.31M
Operating income
$82.04M
Net income
$42.67M
Gross margin
100%
Net margin
28.8%
Medallion Financial's net margin has decreased by 15% YoY and by 10% QoQ
Medallion Financial's net income has decreased by 15% YoY and by 14% QoQ
The operating income has declined by 9% since the previous quarter and by 3.8% year-on-year
MFIN's operating margin is down by 4.7% QoQ and by 3.3% YoY

Growth

What is Medallion Financial's growth rate over time

Valuation

What is Medallion Financial stock price valuation
P/E
4.3
P/B
0.54
P/S
1.24
EV/EBIT
4.63
EV/EBITDA
4.28
EV/Sales
2.06
The P/E is 19% above the last 4 quarters average of 3.6
The company's EPS fell by 15% YoY and by 14% QoQ
Medallion Financial's equity has increased by 11% YoY
The P/B is 10% lower than the 5-year quarterly average of 0.6 and 10% lower than the last 4 quarters average of 0.6
MFIN's price to sales (P/S) is 23% less than its 5-year quarterly average of 1.6 but 3.3% more than its last 4 quarters average of 1.2
MFIN's revenue is down by 5% since the previous quarter

Efficiency

How efficient is Medallion Financial business performance
The ROA fell by 27% YoY and by 16% QoQ
MFIN's ROE is down by 25% YoY and by 17% QoQ
The ROIC is down by 16% YoY and by 13% from the previous quarter
The company's return on sales fell by 7% QoQ and by 6% YoY

Dividends

What is MFIN's dividend history
DPS
$0.4
Dividend yield
4.92%
Payout ratio
21.2%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Medallion Financial financials performed over time
MFIN's total assets is 18% greater than its total liabilities
MFIN's total liabilities is up by 10% YoY and by 6% QoQ
MFIN's total assets is up by 10% year-on-year and by 5% since the previous quarter
Medallion Financial's debt is 22% lower than its equity
Medallion Financial's equity has increased by 11% YoY
Medallion Financial's debt has increased by 8% YoY and by 3.6% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from and Sharadar.