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MFIN vs V

MFIN
Medallion Financial Corp.
BULLISH
Price
$9.41
Market Cap
$221.4M
Sector
Financial Services
AI Confidence
75%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MFIN
5.32
V
28.35
Forward P/E
MFIN
6.36
V
20.79
P/B Ratio
MFIN
0.52
V
15.09
P/S Ratio
MFIN
0.63
V
14.08
EV/EBITDA
MFIN
13.47
V
20.06

Profitability

Gross Margin
MFIN
74.58%
V
97.78%
Operating Margin
MFIN
47.96%
V
68.3%
Profit Margin
MFIN
12.18%
V
50.23%
ROE
MFIN
11.69%
V
53.95%
ROA
MFIN
3.83%
V
18.36%

Growth

Revenue Growth
MFIN
18.6%
V
14.6%
Earnings Growth
MFIN
16.2%
V
17.4%

Financial Health

Debt/Equity
MFIN
4.73
V
0.55
Current Ratio
MFIN
21.82
V
1.11
Quick Ratio
MFIN
1.8
V
0.72

Dividends

Dividend Yield
MFIN
5.1%
V
0.89%
Payout Ratio
MFIN
26.4%
V
22.91%

AI Verdict

MFIN BULLISH

MFIN presents a classic deep-value opportunity, trading significantly below its Graham Number ($26.86) and Intrinsic Value ($52.22). While the Piotroski F-Score of 4/9 indicates only stable financial health and the Debt/Equity ratio is high at 4.73, the company demonstrates strong profitability and a consistent track record of earnings beats. The extreme disconnect between the current price ($9.41) and fundamental value metrics suggests a significant margin of safety, provided the high leverage is managed. Technicals remain bearish, but the fundamental growth and valuation profile are compelling.

Strengths
Extreme valuation discount with P/E of 5.32 and P/B of 0.52
Strong earnings track record with 3/4 recent beats and high average surprise (28.54%)
Sustainable dividend profile with 5.10% yield and low 26.40% payout ratio
Risks
High financial leverage with a Debt/Equity ratio of 4.73
Bearish technical trend (0/100) suggesting lack of market momentum
Low insider sentiment (40/100) and lack of recent buying activity
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

MFIN vs V: Head-to-Head Comparison

This page compares Medallion Financial Corp. (MFIN) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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