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Upturn AI Summary - About
Medallion Financial Corp(MFIN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MFIN
10/23/2026: MFIN (2-star) is currently NOT-A-BUY. Pass it for now.
Medallion Financial Corp is a specialty finance company that has transitioned from a legacy focus on taxi medallion lending to a diversified provider of consumer and commercial loans. Its primary strengths lie in its specialized underwriting expertise and its pivot toward growing recreational and home improvement segments. While this pivot offers a clearer growth story, the company remains subject to risks from macroeconomic cycles, credit defaults, and stiff competition from both large banks and digital-first fintech lenders. The stock may suit value-oriented investors willing to monitor credit quality closely, though high price volatility and variable dividend payouts remain important considerations for potential shareholders.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company's growth profile is historically inconsistent and focused on mature, niche lending markets. |
| Momentum investor | Weak fit | The stock often lacks the strong, sustained price trend required for momentum strategies. |
| Value investor | Mixed fit | The stock may appear undervalued on certain metrics, but legacy risks require deep due diligence. |
| Dividend investor | Mixed fit | Dividend payments are variable and tied to the company's ability to generate excess capital. |
| Low-risk investor | Weak fit | The company faces significant credit and industry-specific risks that lead to higher volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to sharp moves based on interest rate sentiment and quarterly provision updates. |
| Valuation risk | Medium | Determining fair value is difficult due to the complexity of the loan portfolio and historical asset impairments. |
| Competition risk (Fintech) | High | Agile fintech lenders provide stiff competition in consumer and recreational lending segments. |
| Business quality | Medium | The company is still evolving its business model following the collapse of the taxi medallion market. |
| Dividend income | Medium | Distributions are not guaranteed and fluctuate with operational performance. |
| Execution risk | High | Success depends on accurate underwriting in diverse and sometimes volatile consumer segments. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 31.36% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 259.91M USD | Price to earnings Ratio 8.51 | 1Y Target Price 11.92 |
Price to earnings Ratio 8.51 | 1Y Target Price 11.92 | ||
Volume (30-day avg) 64.0K shares | Beta 0.77 | 52 Weeks Range 7.64 - 12.26 | Updated Date 10/23/2026 |
52 Weeks Range 7.64 - 12.26 | Updated Date 10/23/2026 | ||
Dividends yield (FY) 4.46% | Basic EPS (TTM) 1.33 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Consumer & Commercial Lending | Interest income from RV, boat, and home improvement loans, plus commercial equipment financing. | The company acts as a bank-like lender, earning profit from the difference between interest received from borrowers and the cost of capital. |
Earnings Date
Report Date 2026-10-29 | When After Market | Estimate 0.32 | Actual - |
Profitability
Profit Margin 9.25% | Operating Margin (TTM) 46.85% |
Management Effectiveness
Return on Assets (TTM) 3.47% | Return on Equity (TTM) 8.71% |
Valuation
Trailing PE 8.51 | Forward PE 7.69 | Enterprise Value 2.79B | Price to Sales(TTM) 0.74 |
Enterprise Value 2.79B | Price to Sales(TTM) 0.74 | ||
Enterprise Value to Revenue 2.33 | Enterprise Value to EBITDA - | Shares Outstanding 22.96M | Shares Floating 16.94M |
Shares Outstanding 22.96M | Shares Floating 16.94M | ||
Percent Insiders 32.31 | Percent Institutions 35.61 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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