MFIN
BULLISH
$9.02
Live
Medallion Financial Corp. · NASDAQ
Target $11.75
(+30.3%)
$7.85
52W Range
$11.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 14, 2026
Market cap
$212.24M
P/E
5.07
ROE
11.7%
Profit margin
12.2%
Debt/Equity
4.73
Dividend yield
5.32%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
MFIN presents a classic deep-value opportunity, trading at a significant discount to its Graham Number ($26.93) and Intrinsic Value ($52.51). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, the company exhibits robust growth with YoY revenue and earnings increases exceeding 16%. The valuation is exceptionally low (P/E 5.07, P/B 0.50), though this is tempered by a high Debt/Equity ratio of 4.73. Overall, the strong earnings beat track record and sustainable dividend yield outweigh the current bearish technical trend.
Key Strengths
Extreme valuation discount (P/B 0.50, P/E 5.07)
Strong growth trajectory with 18.6% YoY revenue growth
Consistent earnings surprise history (3/4 recent beats)
Sustainable dividend profile with a low 26.4% payout ratio
High operating margins (47.96%) indicating efficient core operations
Key Risks
High leverage with a Debt/Equity ratio of 4.73
Bearish technical trend (0/100 score)
Low insider sentiment (40/100) and lack of recent buying activity
Small market cap ($0.21B) increasing volatility and liquidity risk
Sector sensitivity to credit cycles and interest rate fluctuations
AI Fair Value Estimate
Based on comprehensive analysis
$22.5
+149.4% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
75
Strong
95
80
85
45
70
AI Verdict
Strong Value Play
Key drivers: Deep valuation discount, Consistent earnings beats, Strong revenue growth
Confidence
80%
Value
95/100
Ref P/E 5.07, P/B 0.50, Graham Number $26.93
Positives
- P/E of 5.07 is far below sector average
- Trading at 50% of book value
- Current price is ~66% below Graham Number
Watchpoints
- Market is pricing in significant risk not captured by P/E alone
Future
80/100
Ref 18.6% YoY Revenue Growth
Positives
- Q/Q Revenue growth of 25.37%
- Positive earnings progression over last 4 quarters
Watchpoints
- Dependence on credit market stability
Past
85/100
Ref 25-quarter earnings track record
Positives
- Strong recovery from 2020 losses
- Long-term 5Y price change of +43.1%
Watchpoints
- Historical volatility in 2020
Health
45/100
Ref Piotroski F-Score 4/9, Debt/Equity 4.73
Positives
- Very high current ratio (21.82)
- Stable Piotroski score
Watchpoints
- High Debt/Equity (4.73)
- Piotroski F-Score is only 4/9
Dividend
70/100
Ref Yield 5.32%, Payout 26.4%
Positives
- Attractive 5.32% yield
- Very low payout ratio (26.4%)
Watchpoints
- Dividend strength score is moderate (55/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$9.02
Analyst Target
$11.75
Upside/Downside
+30.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for MFIN and closest competitors.
Updated 2026-04-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
MFIN
Medallion Financial Corp.
Primary
|
+43.1% | +54.0% | +15.4% | -1.6% | -2.2% | +5.2% |
|
LIEN
Chicago Atlantic BDC, Inc.
Peer
|
-2.3% | +70.6% | -2.4% | -3.3% | -4.1% | -3.5% |
|
ATLO
Ames National Corporation
Peer
|
+26.8% | +16.5% | +43.4% | +34.4% | +5.2% | +3.1% |
|
HRZN
Horizon Technology Finance Corporation
Peer
|
-48.2% | -39.6% | -32.4% | -15.3% | +8.2% | +5.6% |
|
KINS
Kingstone Companies, Inc.
Peer
|
+94.8% | +1089.7% | -7.4% | +5.8% | -0.3% | +3.7% |
MFI
Medallion Financial Corp.
Primary
5Y
+43.1%
3Y
+54.0%
1Y
+15.4%
6M
-1.6%
1M
-2.2%
1W
+5.2%
LIE
Chicago Atlantic BDC, Inc.
Peer
5Y
-2.3%
3Y
+70.6%
1Y
-2.4%
6M
-3.3%
1M
-4.1%
1W
-3.5%
ATL
Ames National Corporation
Peer
5Y
+26.8%
3Y
+16.5%
1Y
+43.4%
6M
+34.4%
1M
+5.2%
1W
+3.1%
HRZ
Horizon Technology Finance Corporation
Peer
5Y
-48.2%
3Y
-39.6%
1Y
-32.4%
6M
-15.3%
1M
+8.2%
1W
+5.6%
KIN
Kingstone Companies, Inc.
Peer
5Y
+94.8%
3Y
+1089.7%
1Y
-7.4%
6M
+5.8%
1M
-0.3%
1W
+3.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
5.07
Forward P/E
6.09
PEG Ratio
N/A
P/B Ratio
0.5
P/S Ratio
0.6
EV/Revenue
7.09
EV/EBITDA
13.43
Market Cap
$212.24M
Profitability
Profit margins and return metrics
Profit Margin
12.18%
Operating Margin
47.96%
Gross Margin
74.58%
ROE
11.69%
ROA
3.83%
Growth
Revenue and earnings growth rates
Revenue Growth
+18.6%
Earnings Growth
+16.2%
Q/Q Revenue Growth
+25.37%
Q/Q Earnings Growth
+20.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
4.73
High debt
Current Ratio
21.82
Strong
Quick Ratio
1.8
Excellent
Cash/Share
$8.85
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
18.0%
Total Assets
$3.0B
Liabilities
$2.4B
Equity
$0.4B
Debt/Equity
5.99x
Operating CF
$0.0B
Free Cash Flow
$0.0B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-29
$N/A
2026-02-18
$0.5
+21.9% surprise
2025-10-29
$0.32
+10.3% surprise
2025-07-30
$0.46
+53.3% surprise
Financial Services Sector Comparison
Comparing MFIN against 404 companies in the Financial Services sector
(68 bullish, 175 neutral, 161 bearish)
P/E Ratio
5.07
This Stock
vs
49.16
Sector Avg
-89.7%
(Discount)
Return on Equity (ROE)
11.69%
This Stock
vs
-0.06%
Sector Avg
-19165.6%
(Below Avg)
Profit Margin
12.18%
This Stock
vs
60.11%
Sector Avg
-79.7%
(Weaker)
Debt to Equity
4.73
This Stock
vs
1.3
Sector Avg
+263.6%
(Higher)
Revenue Growth
18.6%
This Stock
vs
42.19%
Sector Avg
-55.9%
(Slower)
Current Ratio
21.82
This Stock
vs
3.33
Sector Avg
+554.5%
(Stronger)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
MFIN
Medallion Financial Corp.
|
BULLISH | $212.24M | 5.07 | 11.7% | 12.2% | $9.02 | |
|
LIEN
Chicago Atlantic BDC, Inc.
|
NEUTRAL | $210.63M | 6.32 | 11.0% | 61.3% | $9.23 | Compare |
|
ATLO
Ames National Corporation
|
NEUTRAL | $215.81M | 13.56 | 8.3% | 26.5% | $24.27 | Compare |
|
HRZN
Horizon Technology Finance...
|
BEARISH | $216.08M | - | -0.8% | -2.8% | $4.52 | Compare |
|
KINS
Kingstone Companies, Inc.
|
BULLISH | $218.31M | 5.24 | 43.0% | 19.1% | $15.08 | Compare |
MFIN
Medallion Financial Corp.
BULLISH
Mkt Cap
$212M
P/E
5.1
ROE
11.7%
Price
$9.02
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-10 | MURSTEIN ALVIN | Officer and Director | Stock Award | 72,103 | - |
| 2026-03-10 | MURSTEIN ANDREW M | Chief Executive Officer | Stock Award | 323,870 | - |
| 2026-03-10 | POULTON DONALD S. | Officer | Stock Award | 101,831 | - |
| 2026-03-10 | CUTRONE ANTHONY N. | Chief Financial Officer | Stock Award | 84,858 | - |
| 2026-03-10 | HALEY DAVID JUSTIN | Officer | Stock Award | 39,152 | - |
| 2026-02-10 | MURSTEIN ALVIN | Officer and Director | Stock Award | 39,597 | - |
| 2026-02-10 | MURSTEIN ANDREW M | Chief Executive Officer | Stock Award | 77,220 | - |
| 2026-02-10 | SILVERMAN MARISA T | General Counsel | Stock Award | 19,305 | - |
| 2026-02-10 | POULTON DONALD S. | Officer | Stock Award | 58,760 | - |
| 2026-02-10 | MUNSON THOMAS JOHN | Officer | Stock Award | 9,653 | - |
| 2026-02-10 | CUTRONE ANTHONY N. | Chief Financial Officer | Stock Award | 24,493 | - |
| 2026-02-10 | HALEY DAVID JUSTIN | Officer | Stock Award | 25,941 | - |
| 2026-02-10 | RUDNICK JEFFREY D. | Officer | Stock Award | 5,212 | - |
| 2026-02-10 | ROZOVSKY SAMANTHA K | Officer | Stock Award | 8,687 | - |
MURSTEIN ALVIN
Officer and Director
2026-03-10
72,103 shares
MURSTEIN ANDREW M
Chief Executive Officer
2026-03-10
323,870 shares
POULTON DONALD S.
Officer
2026-03-10
101,831 shares
CUTRONE ANTHONY N.
Chief Financial Officer
2026-03-10
84,858 shares
HALEY DAVID JUSTIN
Officer
2026-03-10
39,152 shares
MURSTEIN ALVIN
Officer and Director
2026-02-10
39,597 shares
MURSTEIN ANDREW M
Chief Executive Officer
2026-02-10
77,220 shares
SILVERMAN MARISA T
General Counsel
2026-02-10
19,305 shares
POULTON DONALD S.
Officer
2026-02-10
58,760 shares
MUNSON THOMAS JOHN
Officer
2026-02-10
9,653 shares
CUTRONE ANTHONY N.
Chief Financial Officer
2026-02-10
24,493 shares
HALEY DAVID JUSTIN
Officer
2026-02-10
25,941 shares
RUDNICK JEFFREY D.
Officer
2026-02-10
5,212 shares
ROZOVSKY SAMANTHA K
Officer
2026-02-10
8,687 shares
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning MFIN from our newsroom.
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