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Upturn AI SWOT - About
MFIN 
Medallion Financial Corp (MFIN)
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Upturn Advisory Summary
09/17/2025: MFIN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $12
1 Year Target Price $12
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 31.14% | Avg. Invested days 53 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 242.46M USD | Price to earnings Ratio 5.96 | 1Y Target Price 12 |
Price to earnings Ratio 5.96 | 1Y Target Price 12 | ||
Volume (30-day avg) 2 | Beta 1.4 | 52 Weeks Range 7.25 - 10.87 | Updated Date 09/17/2025 |
52 Weeks Range 7.25 - 10.87 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 4.16% | Basic EPS (TTM) 1.75 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.59% | Operating Margin (TTM) 50.41% |
Management Effectiveness
Return on Assets (TTM) 3.8% | Return on Equity (TTM) 10.25% |
Valuation
Trailing PE 5.96 | Forward PE - | Enterprise Value 2527735040 | Price to Sales(TTM) 0.73 |
Enterprise Value 2527735040 | Price to Sales(TTM) 0.73 | ||
Enterprise Value to Revenue 2.39 | Enterprise Value to EBITDA - | Shares Outstanding 23246600 | Shares Floating 15034479 |
Shares Outstanding 23246600 | Shares Floating 15034479 | ||
Percent Insiders 30.57 | Percent Institutions 38.51 |
Upturn AI SWOT
Medallion Financial Corp
Company Overview
History and Background
Medallion Financial Corp. was founded in 1937. Initially focused on financing taxi medallions in New York City, it expanded into commercial lending and consumer lending. Over time, it evolved from a niche lender into a diversified financial services company. Faced regulatory scrutiny and financial challenges in recent years.
Core Business Areas
- Commercial Lending: Provides financing to small and medium-sized businesses (SMBs) across various industries. This includes term loans, lines of credit, and equipment financing.
- Consumer Lending: Offers recreational vehicle (RV) and marine loans to consumers through a network of dealers and direct lending.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure typically includes departments for lending, finance, operations, and compliance.
Top Products and Market Share
Key Offerings
- RV Loans: Financing for recreational vehicles, targeting consumers. Medallion has a moderate market share in the RV loan market, but is not a market leader. Competitors include large banks, credit unions, and specialized RV finance companies. Market share information not readily available.
- Marine Loans: Financing for boats and other marine equipment, serving consumers. Medallion has a moderate market share, with competition from banks, credit unions, and specialized marine lenders. Market share information not readily available.
- Commercial Loans: Financing for small businesses. Numerous Competitors, including traditional banks, credit unions, and online lenders. Market share information not readily available.
Market Dynamics
Industry Overview
The financial services industry is competitive and subject to regulatory changes. Lending is affected by interest rates, economic growth, and consumer confidence. Demand for RV and marine loans is influenced by leisure spending and consumer preferences.
Positioning
Medallion Financial Corp. operates as a niche lender, focusing on specific sectors like RVs, marine, and small businesses. Its competitive advantage includes its specialized knowledge and established relationships within these sectors, but has faced regulatory scrutiny and reputational damage.
Total Addressable Market (TAM)
The TAM for RV and Marine lending in the US is estimated to be in the hundreds of billions of dollars, and the Commercial lending is in the trillions. MFC is not a major player with respect to this TAM.
Upturn SWOT Analysis
Strengths
- Specialized lending expertise
- Established dealer network
- Diversified lending portfolio
Weaknesses
- High debt levels
- Regulatory scrutiny
- Reputational damage
- Relatively small market share
Opportunities
- Expansion into new markets
- Strategic acquisitions
- Technological innovation in lending
Threats
- Rising interest rates
- Economic downturn
- Increased competition
- Changes in regulations
Competitors and Market Share
Key Competitors
- ALLY
- CACC
- FICO
Competitive Landscape
Medallion Financial Corp. faces disadvantages in terms of scale and resources compared to larger competitors. Its advantages include specialized expertise and established relationships in niche lending markets.
Growth Trajectory and Initiatives
Historical Growth: Medallion Financial Corp.'s historical growth has been inconsistent, impacted by regulatory issues and economic cycles.
Future Projections: Future growth projections are uncertain, contingent upon regulatory outcomes, strategic initiatives, and economic conditions.
Recent Initiatives: Recent strategic initiatives may include cost-cutting measures, diversification efforts, and attempts to improve compliance.
Summary
Medallion Financial Corp is currently a weak company due to its regulatory issues, high debt, and reputational challenges. Its specialization in niche lending markets provides some competitive advantage. The company needs to improve its compliance, manage its debt, and explore new growth opportunities. The company's future is uncertain.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Industry reports
- Financial news sources
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary. Financial data may not be current.
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.
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 | Website https://www.medallion.com |
Full time employees 174 | 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, 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.
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