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Medallion Financial Corp. (MFIN)

Financial Services | Credit Services | New York, United States | NasdaqGS
11.19 USD

Short-term:★★⯪☆☆Long-term:★★★☆☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 4:44 a.m. EDT

Medallion Financial presents a compelling value case marred by significant balance sheet fragility. Fundamentally, the company is a bargain at less than 9x trailing earnings and 0.66x book value, supported by a robust 4.65% dividend yield that has been consistently increased over the last two years. The multi-year price trajectory confirms this valuation logic, showing a massive +104% gain over the last nine years with no recent structural decline, validating the market's patience for its current struggles. However, the investment thesis hinges entirely on the resolution of its capital structure. With a debt-to-equity ratio exceeding 500% and negative free cash flow, the company is technically insolvent on a balance sheet basis, relying on operating cash flow and asset sales to service obligations. While the payout ratio appears sustainable at 37%, the sheer scale of debt relative to equity creates a precarious environment where any credit tightening could trigger distress. Short-term, the options market reflects this anxiety, with traders aggressively buying puts at the $12.5 level to cap losses, while the statistical forecast offers no directional clarity. The stock is currently hovering near its 50-day average, suggesting a consolidation phase rather than a breakout. For investors, this is a high-risk, high-reward speculative play on a turnaround story; the math works beautifully for a long-term hold if the balance sheet stabilizes, but the immediate risk of capital impairment makes it unsuitable for conservative portfolios seeking steady compounding.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.149025
AutoTheta0.151661
AutoARIMA0.152812
AutoETS0.152816

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 43%
H-stat 3.71
Ljung-Box p 0.000
Jarque-Bera p 0.001
Excess Kurtosis 0.95
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-16
Last Dividend Date 2026-08-16
Debt to Equity Ratio 522.373
Revenue per Share 15.201
Market Cap 256,925,168
Trailing P/E 8.74
Forward P/E 7.97
Beta 0.77
Profit Margins 9.25%
Website https://www.medallion.com

As of Oct. 10, 2026, 4:44 a.m. EDT: Speculators are positioning defensively with heavy put volume at the $12.5 strike for the October expiration, creating a 'wall' just above current prices. Conversely, call interest is concentrated at the $10 strike, suggesting a floor or a belief that the stock will not drop significantly further. The imbalance in implied volatility (IV) is stark, with puts trading at significantly higher premiums than calls, indicating the market prices in a higher probability of downside protection than upside expansion over the next month.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.26% 5.36% 5.07% 4.49%
Dividend History
Date Dividend Yield %
2026-08-17 0.140 1.261261
2026-05-11 0.140 1.492537
2026-03-19 0.120 1.408451
2025-11-12 0.120 1.201201
2025-08-15 0.120 1.184600
2025-05-15 0.120 1.290323
2025-03-17 0.110 1.254276
2024-11-15 0.110 1.154250
2024-08-15 0.100 1.288660
2024-05-14 0.100 1.237624
2024-03-14 0.100 1.277139
2023-11-14 0.100 1.157407
2023-08-14 0.080 0.959233
2023-05-12 0.080 1.204819
2023-03-14 0.080 0.992556
2022-11-14 0.080 1.185185
2022-08-12 0.080 0.959233
2022-05-13 0.080 1.043025
2022-03-11 0.080 0.883978
2016-11-28 0.050 1.416431
2016-08-22 0.050 0.988142
2016-05-16 0.250 3.289474
2016-03-29 0.250 2.623295
2015-11-10 0.250 2.937720
2015-08-13 0.250 3.015682
2015-05-12 0.250 2.310536
2015-03-13 0.240 2.371542
2014-11-10 0.240 2.133333
2014-08-12 0.240 2.092415
2014-05-14 0.240 1.776462
2014-03-12 0.230 1.631206
2013-11-13 0.230 1.411043
2013-08-14 0.220 1.491525
2013-05-15 0.220 1.402167
2013-03-19 0.220 1.696222
2012-11-14 0.210 1.866667
2012-08-14 0.210 1.850220
2012-05-11 0.210 1.821336
2012-03-21 0.200 1.816530
2011-11-14 0.190 1.626712
2011-08-17 0.180 1.929260
2011-05-18 0.170 1.824034
2011-03-14 0.160 1.934704
2010-11-12 0.150 1.777251
2010-08-18 0.150 2.106742
2010-05-19 0.150 1.915709
2010-03-11 0.150 1.865672
2009-11-18 0.190 2.317073
2009-08-26 0.190 2.339902
2009-05-20 0.190 2.567568
2009-03-13 0.190 3.225807
2008-11-19 0.190 2.769679
2008-08-13 0.190 1.884921
2008-05-14 0.190 1.907631
2008-03-12 0.190 1.923077
2007-11-20 0.190 1.930894
2007-08-15 0.190 1.684397
2007-05-16 0.190 1.593960
2007-03-28 0.190 1.584654
2006-11-21 0.180 1.480263
2006-08-16 0.170 1.534296
2006-05-11 0.160 1.240310
2006-03-08 0.150 1.196172
2005-11-23 0.140 1.401401
2005-08-17 0.130 1.233397
2005-05-18 0.120 1.286174
2005-03-09 0.110 1.208791
2004-11-09 0.100 1.100110
2004-08-10 0.080 1.079622
2004-05-12 0.080 0.990099
2004-03-10 0.070 0.853659
2003-11-12 0.050 0.575374
2003-08-06 0.030 0.468019
2003-05-14 0.010 0.172117
2002-08-29 0.030 0.628931
2001-12-27 0.090 1.111111
2001-08-29 0.150 1.440922
2001-05-22 0.140 1.217391
2000-12-06 0.360 3.130435
2000-10-11 0.150 0.916031
2000-08-23 0.360 2.206897
2000-05-18 0.350 2.028986
1999-12-29 0.400 2.253521
1999-11-17 0.320 1.641026
1999-08-19 0.290 1.496774
1999-05-13 0.288 1.628269
1998-12-29 0.340 2.428571
1998-11-12 0.300 1.935484
1998-08-13 0.300 1.666667
1998-05-14 0.280 1.037037
1997-12-29 0.270 1.325153
1997-11-13 0.240 1.087819
1997-08-14 0.220 1.173333
1997-05-06 0.220 1.239437
Additional Data
dividendRate 0.56
dividendYield 5.0
exDividendDate 2026-08-17
trailingAnnualDividendRate 0.5
trailingAnnualDividendYield 0.044682752
lastDividendValue 0.14
lastDividendDate 2026-08-17
dividendDate 2026-08-31

Info Dump

Attribute Value
52 Week Change 0.13604057
Address1 667 Madison Avenue
Address2 22nd Floor
All Time High 31.359375
All Time Low 1.29
Ask 14.46
Ask Size 2
Audit Risk 5
Average Analyst Rating 2.5 - Buy
Average Daily Volume10 Day 62,660
Average Daily Volume3 Month 67,635
Average Volume 67,635
Average Volume10Days 62,660
Beta 0.77
Bid 8.04
Bid Size 2
Board Risk 7
Book Value 18.087
City New York
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 11.19
Current Ratio 35.022
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 11.305
Day Low 11.1096
Debt To Equity 522.373
Display Name Medallion Financial
Dividend Date 1,788,134,400
Dividend Rate 0.56
Dividend Yield 5.0
Earnings Call Timestamp End 1,793,365,200
Earnings Call Timestamp Start 1,793,365,200
Earnings Growth -0.326
Earnings Quarterly Growth -0.327
Earnings Timestamp 1,793,304,000
Earnings Timestamp End 1,793,304,000
Earnings Timestamp Start 1,793,304,000
Ebitda 177,104,992
Ebitda Margins 0.50606
Enterprise To Ebitda 15.72
Enterprise To Revenue 7.955
Enterprise Value 2,784,043,264
Eps Current Year 1.14667
Eps Forward 1.40333
Eps Trailing Twelve Months 1.28
Esg Populated 0
Ex Dividend Date 1,786,924,800
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 212 328 2121
Fifty Day Average 11.72
Fifty Day Average Change -0.5300007
Fifty Day Average Change Percent -0.0452219
Fifty Two Week Change Percent 13.604057
Fifty Two Week High 12.26
Fifty Two Week High Change -1.0700006
Fifty Two Week High Change Percent -0.08727574
Fifty Two Week Low 7.85
Fifty Two Week Low Change 3.3399997
Fifty Two Week Low Change Percent 0.42547768
Fifty Two Week Range 7.85 - 12.26
Financial Currency USD
First Trade Date Milliseconds 832,858,200,000
Five Year Avg Dividend Yield 3.68
Float Shares 16,941,268
Forward Eps 1.40333
Forward P E 7.973891
Free Cashflow -229,346,000
Full Exchange Name NasdaqGS
Full Time Employees 179
Fullday Change 0.0
Fullday Change Percent 0.0
Fullday Price 11.19
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.73999
Gross Profits 258,972,000
Has Pre Post Market Data 1
Held Percent Insiders 0.32311
Held Percent Institutions 0.35616
Implied Shares Outstanding 22,960,249
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Ir Website http://www.medallionfinancial.com/investors.htm
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,786,924,800
Last Dividend Value 0.14
Last Fiscal Year End 1,767,139,200
Long Business Summary Medallion Financial Corp., together with its subsidiaries, operates as a specialty finance company in the United States. It operates through four segments: Recreation Lending, Home Improvement Lending, Commercial Loans, and 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 based in New York, New York.
Long Name Medallion Financial Corp.
Market us_market
Market Cap 256,925,168
Market State POSTPOST
Max Age 86,400
Message Board Id finmb_21737
Most Recent Quarter 1,782,777,600
Net Income To Common 32,359,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 230,629,180
Number Of Analyst Opinions 3
Open 11.2
Operating Cashflow 174,896,000
Operating Margins 0.46849
Overall Risk 6
Payout Ratio 0.3759
Peg Ratio 0.77
Phone 212 328 2100
Previous Close 11.19
Price Eps Current Year 9.758693
Price Hint 2
Price To Book 0.61867636
Price To Sales Trailing12 Months 0.7341411
Profit Margins 0.09246001
Quick Ratio 2.754
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.5
Region US
Regular Market Change 0.0
Regular Market Change Percent 0.0
Regular Market Day High 11.305
Regular Market Day Low 11.1096
Regular Market Day Range 11.1096 - 11.305
Regular Market Open 11.2
Regular Market Previous Close 11.19
Regular Market Price 11.19
Regular Market Time 1,792,180,801
Regular Market Volume 28,238
Return On Assets 0.034730002
Return On Equity 0.08712
Revenue Growth 0.025
Revenue Per Share 15.201
Sand P52 Week Change 0.16207206
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 8
Shares Outstanding 22,960,249
Shares Percent Shares Out 0.038
Shares Short 873,286
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 899,632
Short Name Medallion Financial Corp.
Short Percent Of Float 0.05
Short Ratio 12.57
Source Interval 15
State NY
Symbol MFIN
Target High Price 13.25
Target Low Price 10.5
Target Mean Price 11.91667
Target Median Price 12.0
Total Cash 205,991,008
Total Cash Per Share 9.21
Total Debt 2,640,321,024
Total Revenue 349,967,008
Tradeable 0
Trailing Annual Dividend Rate 0.5
Trailing Annual Dividend Yield 0.044682752
Trailing Eps 1.28
Trailing P E 8.7421875
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 10.2188
Two Hundred Day Average Change 0.9712
Two Hundred Day Average Change Percent 0.095040515
Type Disp Equity
Volume 28,238
Website https://www.medallion.com
Zip 10,065