Quarter
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MEDALLION FINANCIAL CORP

MFIN

CIK 0001000209 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$82M
↑+6.7% +$5Mvs FY2024 (Q4)
Operating Income
$80M
↑+6.6% +$5Mvs FY2024 (Q4)
Net Income
$12M
↑+20.3% +$2Mvs FY2024 (Q4)
Gross Profit
$82M
↑+6.7% +$5Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
19/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    74D/E 0.53 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.11x (1.0+ = capital-efficient)
  • Growth
    39Revenue YoY +6.7% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project MFIN's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

5%

Trailing 3-yr CAGR was 5.1%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$79.10
Total enterprise IV
$1.92B
Diluted shares
0.02B
Terminal PV
$1.37B (71% of total)
Year-5 FCF
$161M
YearProjected FCFDiscounted PV
+1$133M$121M
+2$139M$115M
+3$146M$110M
+4$153M$105M
+5$161M$100M
Terminal$2.20B$1.37B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Dividends paid (TTM)
$11M
cash returned to holders
Stock buybacks (TTM)
$986K
share count reduction
Stock-based comp (TTM)
$7M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$2.96B
everything owned
Total liabilities
$2.45B
everything owed
Stockholders' equity
$409M
shareholder claim
Net debt
$80M
LT debt minus cash

Recent performance · 40 quarters

Revenue↑+6.7% +$5M
$82M
Net Income↑+20.3% +$2M
$12M
Free Cash Flow↑+56.8% +$12M
$34M

Drill down

MFIN Sankey

See MEDALLION FINANCIAL CORP's revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

Open Sankey

MFIN Charts

40 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

Open Charts

MFIN Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

Open Key Metrics