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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
09/25/2026: MFIN (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Medallion Financial Corp is a specialty finance company that provides commercial and consumer loans, including recreational vehicle and marine financing. The company has moved away from its legacy taxi medallion focus to build a more diversified portfolio, which serves as its primary growth strategy. Key strengths include specialized lending expertise and access to stable funding via its bank charter. However, investors must consider the company's history of credit volatility and ongoing competition from both traditional banks and fintech disruptors. This stock may suit value-oriented investors, though it requires close monitoring of credit quality and interest rate impacts on net interest margins.
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 | Mixed fit | Growth is dependent on successful expansion into new niche lending markets. |
| Momentum investor | Mixed fit | Momentum is conditional on positive trends in net interest margins and portfolio quality. |
| Value investor | Strong fit | The stock often trades at valuations that may appeal to value-oriented investors looking for niche financial exposure. |
| Dividend investor | Mixed fit | Dividends are subject to the volatility of the company's earnings and capital needs. |
| Low-risk investor | Weak fit | The company's focus on specialty, niche lending carries higher risk profiles than traditional banking. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to fluctuations based on interest rate news and credit portfolio updates. |
| Valuation risk | Medium | Market sentiment toward specialty finance can quickly shift valuation multiples. |
| Competition risk (Fintech/Banks) | Medium / high | Newer, tech-forward lenders may pressure margins in the company's core niche segments. |
| Business quality | Medium | The company is transitioning from legacy risks to a more diversified model. |
| Dividend income | Medium | Payouts can be inconsistent depending on the company's regulatory capital requirements. |
| Execution risk | Medium / high | Successfully managing credit risk in a diverse portfolio is essential to future profitability. |
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 40.4% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
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 271.62M USD | Price to earnings Ratio 8.7 | 1Y Target Price 11 |
Price to earnings Ratio 8.7 | 1Y Target Price 11 | ||
Volume (30-day avg) 71.3K shares | Beta 0.79 | 52 Weeks Range 7.64 - 12.26 | Updated Date 09/25/2026 |
52 Weeks Range 7.64 - 12.26 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 4.33% | Basic EPS (TTM) 1.36 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Lending | Interest income from equipment and commercial loans. | The company earns money by charging interest on loans provided to various small businesses. |
| Consumer Lending | Interest income from marine and RV financing. | The company profits by financing lifestyle assets like boats and recreational vehicles. |
Valuation
Trailing PE 8.7 | Forward PE 7.69 | Enterprise Value 2.80B | Price to Sales(TTM) 0.78 |
Enterprise Value 2.80B | Price to Sales(TTM) 0.78 | ||
Enterprise Value to Revenue 2.33 | Enterprise Value to EBITDA - | Shares Outstanding 22.96M | Shares Floating 15.79M |
Shares Outstanding 22.96M | Shares Floating 15.79M | ||
Percent Insiders 32.31 | Percent Institutions 40.53 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About Medallion Financial Corp
Exchange NASDAQ | Headquarters New York, NY, United States | ||
IPO Launch date 1996-05-23 | CEO, President, COO & Non-Independent Director Mr. Andrew M. Murstein | ||
Sector Financial Services | Industry Credit Services | Full time employees 179 | Website https://www.medallion.com |
Full time employees 179 | Website https://www.medallion.com | ||
Medallion Financial Corp., together with its subsidiaries, operates as a specialty finance company in the United States. It operates in four segments: Recreation Lending, Home Improvement Lending, Commercial Loans, Taxi Medallion Lending. The company offers loans that finance consumer purchases of recreational vehicles, boats, collector cars, and other consumer recreational equipment; consumer financing for window, siding, and roof replacement, swimming pool installations, and other home improvement projects; senior and subordinated loans for the purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and taxi medallion loans to individuals and small to mid-size businesses. It also provides debt, mezzanine, and equity investment capital to companies in various commercial industries; and raises deposits and conducts other banking activities. The company was incorporated in 1995 and is headquartered in New York City, New York.
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