Is MFIN a good stock to buy right now?

Based on our 6-factor quantitative model, MEDALLION FINANCIAL CORP (MFIN) receives a "Hold" rating with a composite score of 48.9/100. It is ranked #1,944 out of 4,446 stocks. Key factor scores: Quality 59/100, Value 79/100, Momentum 38/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for MFIN?

MEDALLION FINANCIAL CORP (MFIN) has a "Hold" rating and 3-star score. The composite score of 48.9 ranks it #1,944 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is MFIN in?

MEDALLION FINANCIAL CORP operates in the Financials sector (Banking industry) with a market cap of $199 million. It is classified as a micro-cap stock.

Does MFIN pay a dividend?

Yes, MFIN pays a dividend with a current yield of 4.55%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $45.50 in annual dividend income.

What is MFIN's P/E ratio?

MFIN has a trailing P/E ratio of 3.96x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is MFIN?

MFIN's quality factor score is 59/100. Gross margin: 0.0%. ROE: 10.0% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is MFIN valued compared to peers?

MFIN's value factor score is 79/100 (higher = cheaper). Key multiples: P/E 4.0x, EV/EBITDA 5.5x. The stock appears attractively valued versus peers.

What is MFIN's debt level?

MFIN's debt-to-equity ratio is 43%. Sector average: 121%. Low leverage suggests conservative financial management.

MFIN has a beta of 0.62, meaning it is less volatile than the market. Stability score: 74/100.

Does MFIN have high short interest?

MFIN's short interest factor score is 2/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

MFIN Stock Analysis: Top Micro-Cap Hold (Score 48.9/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
MFIN	-0.70%	+0.59%	-13.43%	-17.30%	+2.65%	-	-	-
Industry Proxy XLF	0.00%	+3.14%	-1.36%	-8.93%	+13.13%	-	-	-
U.S. Market SPY	+0.04%	+4.31%	-1.96%	-3.33%	+30.70%	-	-	-
Alpha vs Market	-0.74%	-3.72%	-11.47%	-13.97%	-28.05%	-	-	-
Alpha vs Sector	-0.70%	-2.55%	-12.06%	-8.37%	-10.48%	-	-	-

Metric	MFIN	Benchmark
P/E Ratio	4.0x	-73%
EV/EBITDA	5.5x	+70%
Price / Book	0.4x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	9.9x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.4x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.4x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.1x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.6x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
MFIN MEDALLION FINANCIAL CORP	49	59	79	38	4.0x	10.0%	0.0%	16.4%	58.5%	43.0x	$199M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018
Gross Margin %	0.0%	-	-	-	-	-	1.1%	0.8%	0.8%
Operating Margin %	0.2%	0.3%	0.2%	0.3%	0.3%	0.5%	-0.1%	0.2%	0.4%
EBITDA Margin %	0.2%	0.3%	0.2%	0.3%	0.3%	0.5%	-0.2%	0.2%	0.0%
Net Margin %	0.2%	0.2%	0.1%	0.2%	0.3%	0.4%	-0.3%	0.0%	-0.2%
FCF Margin %	-21.6%	-	-	-	-	-	-23.1%	-34.9%	-
ROE %	0.1%	0.1%	0.1%	0.1%	0.1%	0.2%	-0.1%	0.0%	-0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-0.0%	0.0%	-0.0%
ROIC %	0.1%	8.7%	7.4%	10.5%	9.2%	11.2%	-1.1%	3.5%	7.3%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

Gross Margin %

0.0%

1.1%

0.8%

Operating Margin %

0.2%

0.3%

0.2%

0.3%

0.5%

-0.1%

0.2%

0.4%

EBITDA Margin %

0.2%

0.3%

0.2%

0.3%

0.5%

-0.2%

0.2%

0.0%

Net Margin %

0.2%

0.1%

0.2%

0.3%

0.4%

-0.3%

0.0%

-0.2%

FCF Margin %

-21.6%

-23.1%

-34.9%

ROE %

0.1%

0.2%

-0.1%

0.0%

-0.1%

ROA %

0.0%

-0.0%

0.0%

-0.0%

ROIC %

0.1%

8.7%

7.4%

10.5%

9.2%

11.2%

-1.1%

3.5%

7.3%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018
	$310M	$315M	$291M	$251M	$197M	$159M	$105M	$118M	$96M
	—	—	—	—	—	—	$111M	$98M	$72M
Gross Margin	0.0%	---	---	---	---	---	105.7%	82.7%	75.6%
	—	$3M	$700K	$400	$400K	$300K	$14M	$14M	$15M
Total Operating Expenses	—	$235M	$228M	$165M	$129M	$77M	—	—	—
	$73M	$80M	$63M	$86M	$68M	$82M	-$6M	$20M	$42M
EBIT	$73M	$80M	$63M	$86M	$68M	$82M	-$6M	$20M	$42M
EBITDA	$75M	$82M	$64M	$86M	$68M	$82M	-$23M	$25M	$4M
Operating Margin	23.7%	25.3%	21.6%	34.3%	34.5%	51.5%	-5.7%	17.3%	43.8%
EBITDA Margin	24.3%	26.1%	21.9%	34.3%	34.7%	51.7%	-22.2%	21.4%	4.6%
	—	—	—	$63M	$36M	$31M	$34M	$35M	$10M
	—	$80M	$63M	$86M	$68M	$82M	—	—	—
Income Tax Expense	—	$25M	$21M	$25M	$18M	$24M	-$10M	—	—
	$51M	$55M	$42M	$61M	$50M	$58M	-$27M	$2M	-$23M
Net Margin	16.4%	17.5%	14.4%	24.3%	25.4%	36.3%	-25.7%	1.6%	-19.9%
	$1.89	$1.89	$1.59	$2.45	$1.86	$2.20	$-1.42	$-0.07	$-1.03
Diluted EPS	$1.89	$1.78	$1.52	$2.37	$1.83	$2.17	$-1.42	$-0.07	$-1.03
Weighted Avg Basic	—	23M	23M	23M	24M	25M	—	—	—
Weighted Avg Diluted	—	24M	24M	23M	24M	25M	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

$310M

$315M

$291M

$251M

$197M

$159M

$105M

$118M

$96M

—

$111M

$98M

$72M

Gross Margin

0.0%

---

105.7%

82.7%

75.6%

—

$3M

$700K

$400

$400K

$300K

$14M

$15M

Total Operating Expenses

—

$235M

$228M

$165M

$129M

$77M

—

$73M

$80M

$63M

$86M

$68M

$82M

-$6M

$20M

$42M

EBIT

$73M

$80M

$63M

$86M

$68M

$82M

-$6M

$20M

$42M

EBITDA

$75M

$82M

$64M

$86M

$68M

$82M

-$23M

$25M

$4M

Operating Margin

23.7%

25.3%

21.6%

34.3%

34.5%

51.5%

-5.7%

17.3%

43.8%

EBITDA Margin

24.3%

26.1%

21.9%

34.3%

34.7%

51.7%

-22.2%

21.4%

4.6%

—

$63M

$36M

$31M

$34M

$35M

$10M

—

$80M

$63M

$86M

$68M

$82M

—

Income Tax Expense

—

$25M

$21M

$25M

$18M

$24M

-$10M

—

$51M

$55M

$42M

$61M

$50M

$58M

-$27M

$2M

-$23M

Net Margin

16.4%

17.5%

14.4%

24.3%

25.4%

36.3%

-25.7%

1.6%

-19.9%

$1.89

$1.59

$2.45

$1.86

$2.20

$-1.42

$-0.07

$-1.03

Diluted EPS

$1.89

$1.78

$1.52

$2.37

$1.83

$2.17

$-1.42

$-0.07

$-1.03

Weighted Avg Basic

—

23M

24M

25M

—

Weighted Avg Diluted

—

24M

23M

24M

25M

—

MEDALLION FINANCIAL CORP (MFIN) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does MEDALLION FINANCIAL CORP Do?

Medallion Bank operates as an industrial bank in the United States. The company operates through four segments: Recreation Lending, Home Improvement Lending, Medallion Lending, and Other. It provides consumer loans to purchase recreational vehicles, boats, horse and cargo trailers, and utility trailers. The company also offers financing for windows, siding, and roof replacement; swimming pool and solar system installation; kitchen, bath, and basement remodels; sunroom addition; patio, deck, and outdoor kitchen replacement; and other home improvement projects. It offers its products through the network of dealers, contractors, and financial service providers. The company was founded in 2002 and is headquartered in Salt Lake City, Utah. Medallion Bank is a subsidiary of Medallion Financial Corp. MEDALLION FINANCIAL CORP (MFIN) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Alvin Murstein and employs approximately 140 people, headquartered in New York, New York. With a market capitalization of $199M, MFIN is one of the notable companies in the Financials sector.

MEDALLION FINANCIAL CORP (MFIN) Stock Rating — Hold (April 2026)

As of April 2026, MEDALLION FINANCIAL CORP receives a Hold rating with a composite score of 48.9/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.MFIN ranks #1,944 out of 4,446 stocks in our coverage universe. Within the Financials sector, MEDALLION FINANCIAL CORP ranks #554 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

MFIN Stock Price and 52-Week Range

MEDALLION FINANCIAL CORP (MFIN) currently trades at $8.51. The 52-week high for MFIN is $11.00, which means the stock is currently trading -22.6% from its annual peak. The 52-week low is $7.78, putting the stock 9.4% above its annual trough. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is MFIN Overvalued or Undervalued? — Valuation Analysis

MEDALLION FINANCIAL CORP (MFIN) carries a value factor score of 79/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 3.96x, compared to the Financials sector average of 14.88x — a discount of 73%. The price-to-book ratio stands at 0.40x, versus the sector average of 1.22x. The price-to-sales ratio is 0.65x, compared to 0.90x for the average Financials stock. On an enterprise value basis, MFIN trades at 5.55x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, MEDALLION FINANCIAL CORP appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

MEDALLION FINANCIAL CORP Profitability — ROE, Margins, and Quality Score

MEDALLION FINANCIAL CORP (MFIN) earns a quality factor score of 59/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 10.0%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.7% versus the sector average of 1.2%.

On a margin basis, MEDALLION FINANCIAL CORP reports gross margins of 0.0%. The operating margin is 23.7% (sector: 21.8%). Net profit margin stands at 16.4%, versus 17.7% for the average Financials stock. Revenue growth is running at 58.5% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

MFIN Debt, Balance Sheet, and Financial Health

MEDALLION FINANCIAL CORP has a debt-to-equity ratio of 43.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.21x, suggesting adequate working capital coverage. Total debt on the balance sheet is $216M. Cash and equivalents stand at $72M.

MFIN has a beta of 0.62, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for MEDALLION FINANCIAL CORP is 74/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

MEDALLION FINANCIAL CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, MEDALLION FINANCIAL CORP reported revenue of $310M and earnings per share (EPS) of $1.89. Net income for the quarter was $51M. Gross margin was 0.0%. Operating income came in at $73M.

In FY 2025, MEDALLION FINANCIAL CORP reported revenue of $315M and earnings per share (EPS) of $1.89. Net income for the quarter was $55M. Revenue grew 8.5% year-over-year compared to FY 2024. Operating income came in at $80M.

In Q3 2025, MEDALLION FINANCIAL CORP reported revenue of $81M and earnings per share (EPS) of $0.34. Net income for the quarter was $14M. Revenue grew 5.7% year-over-year compared to Q3 2024. Operating income came in at $19M.

In Q2 2025, MEDALLION FINANCIAL CORP reported revenue of $77M and earnings per share (EPS) of $0.49. Net income for the quarter was $14M. Revenue grew 51.9% year-over-year compared to Q2 2024. Operating income came in at $19M.

Over the past 8 quarters, MEDALLION FINANCIAL CORP has demonstrated a growth trajectory, with revenue expanding from $51M to $310M. Investors analyzing MFIN stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

MFIN Dividend Yield and Income Analysis

MEDALLION FINANCIAL CORP (MFIN) currently pays a dividend yield of 4.5%. At this yield, a $10,000 investment in MFIN stock would generate approximately $$455.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning MFIN offers above-average income for its sector. With a net margin of 16.4%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

MFIN Momentum and Technical Analysis Profile

MEDALLION FINANCIAL CORP (MFIN) has a momentum factor score of 38/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 22/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 2/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

MFIN vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, MEDALLION FINANCIAL CORP (MFIN) ranks #554 out of 891 stocks based on the Blank Capital composite score. This places MFIN in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing MFIN against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full MFIN vs S&P 500 (SPY) comparison to assess how MEDALLION FINANCIAL CORP stacks up against the broader market across all factor dimensions.

MFIN Next Earnings Date

No upcoming earnings date has been announced for MEDALLION FINANCIAL CORP (MFIN) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy MFIN? — Investment Thesis Summary

MEDALLION FINANCIAL CORP presents a balanced picture with arguments on both sides. The value score of 79/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 38/100, a headwind for near-term performance. Low volatility (stability score 74/100) reduces downside risk.

In summary, MEDALLION FINANCIAL CORP (MFIN) earns a Hold rating with a composite score of 48.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on MFIN stock.

Related Resources for MFIN Investors

Explore more research and tools: MFIN vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare MFIN head-to-head with peers: MFIN vs WTM, MFIN vs OPY, MFIN vs ACT.

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Medallion Financial (MFIN) Margin Gain To 12.2% Tests Bearish Earnings Narratives

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MEDALLION FINANCIAL CORP (MFIN) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does MEDALLION FINANCIAL CORP Do?

MEDALLION FINANCIAL CORP (MFIN) Stock Rating — Hold (April 2026)

MFIN Stock Price and 52-Week Range

Is MFIN Overvalued or Undervalued? — Valuation Analysis

MEDALLION FINANCIAL CORP Profitability — ROE, Margins, and Quality Score

MFIN Debt, Balance Sheet, and Financial Health

MEDALLION FINANCIAL CORP Revenue and Earnings History — Quarterly Trend

MFIN Dividend Yield and Income Analysis

MFIN Momentum and Technical Analysis Profile

MFIN vs Competitors — Financials Sector Ranking and Peer Comparison

MFIN Next Earnings Date

Should You Buy MFIN? — Investment Thesis Summary

Related Resources for MFIN Investors

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Medallion Financial (MFIN) Margin Gain To 12.2% Tests Bearish Earnings Narratives

Medallion Financial’s recent debt maturity is evidence of significant issues

Medallion Financial Corp (MFIN) Q4 2025 Earnings Call Highlights: Record Performance Amid ...

U.S. Bank extends loan terms in bid to address affordability