Medallion Financial

MFIN

Financial - Credit Services · Financial Services

Price

$9.95

-0.28 (-2.74%)

Market Cap

$230.0M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−2.8% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 24.9M (2021) → 24.2M (2025)

Medallion Financial Corp., together with its subsidiaries, operates as a finance company in the United States. The company operates through four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. It provides loans that finance consumer purchases of recreational vehicles, boats, and trailers; consumer home improvements; commercial businesses; and taxi medallions to individuals, and small to mid-size businesses. The company also offers commercial loa

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-1.4% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-60.4% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

29.4%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$94M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Medallion Financial's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

93.2%

Premium pricing power — 93.2% gross margin

Operating Margin

45.0%

Excellent — 45.0% operating margin

ROCE

5.5%

Weak — 5.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+10.7%

Steady sales growth (10.7% YoY)

EPS YoY

-6.0%

Earnings shrinking (-6.0% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

333%

Turns 333% of profit into real cash

FCF Margin

38.8%

Converts sales into free cash efficiently (38.8%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.63

Moderate — manageable debt (0.63)

Interest Cover

1.22x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

6.3x

Attractive valuation — P/E 6.3

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-2.6

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

4.94%

Healthy income — 4.94% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+13.6%

Dividend growing fast (13.6% YoY)

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