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Upturn stock ratingUpturn stock rating
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Medallion Financial Corp (MFIN)

Upturn stock ratingUpturn stock rating
$9.53
Last Close (24-hour delay)
Profit since last BUY6.12%
upturn advisory
Consider higher Upturn Star rating
BUY since 39 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

06/30/2025: MFIN (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

2 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $11

1 Year Target Price $11

Analysts Price Target For last 52 week
$11Target price
Low$6.86
Current$9.53
high$10.24

Analysis of Past Performance

Type Stock
Historic Profit 25.36%
Avg. Invested days 42
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 225.39M USD
Price to earnings Ratio 6.06
1Y Target Price 11
Price to earnings Ratio 6.06
1Y Target Price 11
Volume (30-day avg) 2
Beta 1.33
52 Weeks Range 6.86 - 10.24
Updated Date 06/30/2025
52 Weeks Range 6.86 - 10.24
Updated Date 06/30/2025
Dividends yield (FY) 4.96%
Basic EPS (TTM) 1.6

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 11.96%
Operating Margin (TTM) 51.23%

Management Effectiveness

Return on Assets (TTM) 3.69%
Return on Equity (TTM) 10.13%

Valuation

Trailing PE 6.06
Forward PE -
Enterprise Value 2470247424
Price to Sales(TTM) 0.71
Enterprise Value 2470247424
Price to Sales(TTM) 0.71
Enterprise Value to Revenue 2.55
Enterprise Value to EBITDA -
Shares Outstanding 23236500
Shares Floating 15079179
Shares Outstanding 23236500
Shares Floating 15079179
Percent Insiders 30.34
Percent Institutions 36.8

Analyst Ratings

Rating 2
Target Price 11
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 2
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Medallion Financial Corp

stock logo

Company Overview

overview logo History and Background

Medallion Financial Corp. was founded in 1937. Initially focused on financing taxi medallions in New York City, it expanded into consumer and commercial lending. The company experienced significant growth, diversification, and later faced challenges due to regulatory changes and declining medallion values.

business area logo Core Business Areas

  • Consumer Lending: Provides loans and other financing solutions to consumers for various purposes.
  • Commercial Lending: Offers financing to small businesses in a range of industries.

leadership logo Leadership and Structure

As of September 2024, Andrew Murstein is the President and a Director. The company has a board of directors and operates through its subsidiaries.

Top Products and Market Share

overview logo Key Offerings

  • Consumer Loans: Medallion provides consumer loans for home improvements, debt consolidation, and other expenses. Market share data is not readily available as the consumer lending market is highly fragmented. Competitors include traditional banks, credit unions, and online lenders like LendingClub (LC) and Upstart (UPST).
  • Commercial Loans: Medallion offers loans to small businesses in various sectors. Market share data is unavailable. Competitors are regional banks and alternative lenders like OnDeck Capital and BlueVine.

Market Dynamics

industry overview logo Industry Overview

The consumer and commercial lending industry is competitive and subject to economic cycles and regulatory changes. FinTech innovations are rapidly transforming lending practices.

Positioning

Medallion Financial Corp. occupies a niche position, particularly in the taxi medallion lending space (though significantly reduced now). Its competitive advantage historically was its specialized knowledge and relationships in certain sectors. This is now a disadvantage. They are repositioning towards less niche consumer/commercial lending.

Total Addressable Market (TAM)

The TAM for consumer and commercial lending is vast, estimated to be trillions of dollars. Medallion's position is relatively small, with a very minor market share. They aim to expand their footprint in niche segments of these markets.

Upturn SWOT Analysis

Strengths

  • Long History in Lending
  • Established Infrastructure
  • Diversified Lending Portfolio (relatively)
  • Expertise in Niche Lending Markets

Weaknesses

  • Reputation Damage from Medallion Crisis
  • High Debt Levels
  • Regulatory Scrutiny
  • High Cost of Capital

Opportunities

  • Expansion into New Lending Segments
  • Leveraging Fintech for Efficiency
  • Strategic Partnerships
  • Growing Demand for Small Business Financing

Threats

  • Economic Downturn
  • Increased Competition
  • Regulatory Changes
  • Rising Interest Rates
  • Consumer Preference Changes

Competitors and Market Share

competitor logo Key Competitors

  • LC
  • UPST
  • ALLY
  • COF

Competitive Landscape

Medallion Financial Corp. faces strong competition in the consumer and commercial lending markets. Its main disadvantage is its high debt levels and the negative impact of the medallion crisis. It needs to innovate and execute its diversification strategy effectively to remain competitive.

Major Acquisitions

No Recent Major Acquisitions

  • Year: 2023
  • Acquisition Price (USD millions): 0
  • Strategic Rationale: No Recent Major Acquisitions

Growth Trajectory and Initiatives

Historical Growth: Medallion Financial Corp. experienced growth in the past, primarily driven by the medallion lending business. However, growth has stalled and reversed in recent years due to the decline in medallion values.

Future Projections: Future projections are highly uncertain and depend on the company's ability to restructure its business and diversify into new lending segments. Analyst estimates vary widely.

Recent Initiatives: Medallion is attempting to diversify away from medallion lending, reduce debt, and improve financial performance. This includes focusing on consumer and commercial lending.

Summary

Medallion Financial Corp. is currently a weak company transitioning away from the taxi medallion business which nearly ruined it. The company is trying to rebrand itself and is diversifying into other lending segments. Its high debt and damaged reputation are significant challenges. Medallion needs to improve its financial performance and manage its risks effectively to survive.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings
  • Company Website
  • Financial News Outlets
  • Market Research Reports
  • Yahoo Finance
  • Bloomberg

Disclaimers:

This analysis is based on publicly available information and is not financial advice. Data may be outdated and should be verified independently. Market share estimates are approximate and may not be precise. Please verify with recent publications.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Medallion Financial Corp

Exchange NASDAQ
Headquaters New York, NY, United States
IPO Launch date 1996-05-23
Chairman & CEO Mr. Alvin Murstein
Sector Financial Services
Industry Credit Services
Full time employees 174
Full time employees 174

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, and Strategic Partnership Loans. 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.