MEDALLION FINANCIAL CORP (MFIN)
Financials · Specialty Finance · NASDAQ
A specialty finance company providing consumer recreation and home improvement loans through its FDIC-insured banking subsidiary.
What MEDALLION FINANCIAL CORP does
Medallion Financial Corp. is a specialty finance company that operates consumer finance and commercial lending businesses primarily through its subsidiary, Medallion Bank. The company specializes in originating loans for recreational vehicles, boats, collector cars, and home improvements, while also maintaining a portfolio of commercial and historical taxi medallion loans.
Themes: consumer finance, commercial lending, recreation lending, banking, home improvement financing
Fundamentals
- Price$11.68 as of 2026-08-21 close
- Market cap$268M as of 2026-08-21
- 1-year return+15.1% 2025-08-21 close $10.15 → 2026-08-21 close $11.68
- P/E8.13 as of 2026-08-24
- Net margin+31.2% as of 2026-08-24
- ROE+8.0% as of 2026-08-24
- Debt / equity0.84 as of 2026-08-24
- Revenue growth (YoY)+28.5% as of 2026-08-24
- Beta0.79 as of 2026-08-24
- Last reported earnings2026-07-29 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.2%; pays a dividend.
How MFIN compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
- operating margintop 25% 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, MFIN's dividend was covered by reported results (earnings payout 25%, operating-cash-flow payout 9%). This describes past coverage, not a forecast.
- Earnings payout25% dividends / net income
- Operating-cash-flow payout9% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How MEDALLION FINANCIAL CORP looks technically
MEDALLION FINANCIAL CORP (MFIN) is trading 18.2% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 17 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 41, with buyers in control. Momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 72, in overbought territory (above 70). It just made a new 20-day high, pushing above its recent trading range. It is 0.6% below its 52-week high (its highest price of the past year).
Trend
9
| Distance from the 200-day | it is trading 18.2% above its 200-day average, the long-term trend line — a longer-term uptrend | +18.2% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $10.27 | $10.27 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $9.88 | $9.88 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 28 calendar days ago — the swings before that are what the structure reading is measured on | 28 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 9.4101. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 17 trading days ago — a "golden cross", a bullish long-term signal | 17 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 18.2% above | +18.2% |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 41, with buyers in control | 40.9 |
Momentum
3
| 14-day RSI | momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 72, in overbought territory (above 70) | 72.0 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($10.41 to $11.75) — its "stochastic" reading is 95 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 94.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 16 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $11.75 | $11.75 |
|---|---|---|
| From the 52-week high | it is 0.6% below its 52-week high (its highest price of the past year) | -0.6% |
| Above the 52-week low | it is 48.8% above its 52-week low (its lowest price of the past year) | +48.8% |
| Below the 52-week high | it is at or near its highest point of the past year | 0.6% |
| Since a 20-day breakout | it just made a new 20-day high, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day high, pushing above its recent trading range | 1 session |
| All-time high | its highest closing price on record is $17.85 (set on 2013-11-29) | $17.85 |
| Given back of the 52-week move | over the past year its closes ranged ($8.01 to $11.68), and it has given back essentially none of its rise from last year’s low — 0% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $9.29 to $9.41. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 0.0% |
| From the all-time high | it is 34.6% below its all-time high | -34.6% |
| Nearest price level | it is trading 6.6% above a support level at $10.90 — a price it turned at six times since 2025-08-05, most recently on 2026-03-02. Since 2024-08-21 it has 10 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -6.6% |
| All-time low | its lowest closing price on record is $1.29 (set on 2020-04-06) | $1.29 |
| Above the all-time low | it is 805.4% above its all-time low | +805.4% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 87% of the past ~6 months) | 87th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3222 between its high and its low — about 2.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.3222 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $9.66 and $12.01 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $9.66 – $10.83 – $12.01 |
| Typical daily range (% of price) | its price moves about 2.8% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.8% |
| Stretch from the 200-day average | it is trading 5.6 daily ranges above its 200-day average price (18.2% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.6 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.91× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 at essentially the same price it closed at the session before — no meaningful overnight gap | 0.0% |
|---|---|---|
| Gap filled | a 3.2% gap up opened on 2026-06-11 has been "filled" 45 sessions ago — price traded back through the level the gap left behind, and it took 3 sessions to close | 45 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 4 sessions in a row, a +5.23% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 4 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 17.8 percentage points (the stock gained 20.2% while the market gained 2.3%) | +17.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 19.6 percentage points (the stock gained 22.7% while the market gained 3.1%) | +19.6% |
| vs market, 6 months | over the past 6 months this stock beat the market by 1.4 percentage points (the stock gained 12.4% while the market gained 11.1%) | +1.4% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 5.4 percentage points (the stock gained 15.1% while the market gained 20.5%) | -5.4% |
Signal agreement
2
| Bullish technical signals | 7 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 7 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: its RSI momentum gauge is overbought (a stretched reading), near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 17% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 3.1% of the share price. | +16.7% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 18% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $9.88 — a volume-weighted average of daily closes over 156 sessions, not a true tick-by-tick VWAP. | +18.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is 6% above the average price paid since it last reported on 2026-07-29 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $11.03 — a volume-weighted average of daily closes over 18 sessions, not a true tick-by-tick VWAP. | +5.9% |
Price levels it has turned at before
MFIN last closed at $11.68 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $10.90 | Support | 6.6% below the last close | turned there six times · 2025-08-05 to 2026-03-02 |
| $10.48 | Support | 10.3% below the last close | turned there five times · 2024-12-12 to 2026-06-26 |
| $10.21 | Support | 12.5% below the last close | turned there 10 times · 2024-11-06 to 2026-07-16 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $9.41.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Recent golden cross (50-day crossed above 200-day) · Tested and reclaimed 200-day support · Overbought (14-day RSI above 70) · Near the 52-week high · Broke out to a new 20-day high | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$11.00 range $10.50 – $12.00; median $10.50
Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for MFIN
- Consensus EPS estimate$0.32 next reporting period, as of 2026-08-22
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Sensitivity to macroeconomic conditions including inflation and recession risk","Regulatory oversight and changes impacting FDIC-insured industrial banks","Credit risk associated with non-prime loan portfolios"]
What changed in the latest 10-Q
AI-assisted comparison of MFIN's 10-Q filed 2026-05-05 against the prior one filed 2025-11-04.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-05) references financial data for 'three months ended March 31, 2026' and 'year ended December 31, 2025' (versus older filing's 'three and nine months ended September 30, 2025' and 'year ended December 31, 2024')
- Newer filing (2026-05-05) states total assets were '$2.95 billion and $2.96 billion as of March 31, 2026 and December 31, 2025' (versus older filing's '$2.90 billion and $2.87 billion as of September 30, 2025 and December 31, 2024')
- Newer filing (2026-05-05) adds language about 'the impact of geopolitical events, including the conflict with Iran' in the risk discussion
- Newer filing (2026-05-05) updates the accounting reference date from 'At September 30, 2025' to 'At March 31, 2026' and from 'December 31, 2024' to 'December 31, 2025' in critical accounting policies section
- Removed:
- Older filing (2025-11-04) includes section 'RECENTLY ISSUED AND ADOPTED ACCOUNTING STANDARDS' discussing ASU 2023-09 on Income Taxes; this specific discussion is removed in newer filing (2026-05-05)
- Older filing (2025-11-04) states Bank 'is working with MSC to service its remaining portfolio, as it winds down. MSC earns referral and servicing fees for these activities.' Newer filing (2026-05-05) replaces this with 'sold its remaining taxi medallion portfolio to one of our subsidiaries' in the fourth quarter of 2025
- Reworded:
- Loan portfolio composition: newer filing (2026-05-05) states 'consumer loans represented 95% of our gross loan portfolio and commercial loans represented 5%' versus older filing (2025-11-04) stating 'consumer loans represented 94% of our gross loan portfolio, inclusive of loans held for sale, and commercial loans represented 5%'
- Funding sources order: newer filing (2026-05-05) lists 'privately placed notes, debentures issued to and guaranteed by the SBA' versus older filing (2025-11-04) which lists 'debentures issued to and guaranteed by the SBA, privately placed notes' (reversed order)
- Older filing's language about taxi medallion loans being 'have since been serviced by Medallion Servicing Corp.' is replaced in newer filing with simple statement that Bank 'sold its remaining taxi medallion portfolio to one of our subsidiaries' in Q4 2025
- Newer filing (2026-05-05) section heading changed from 'RECENTLY ISSUED AND ADOPTED ACCOUNTING STANDARDS' to 'RECENTLY ISSUED ACCOUNTING STANDARDS'
- Notes:
- The newer filing section appears truncated at the end ('are subject to a number of specified "control factors" as set f...'), preventing full comparison of the final subsection
- Older filing is also truncated at the end ('federal and'), preventing full comparison of CONTROL STATUTES AND REGULATIONS section conclusion
Risk Factors
- Added:
- Added reference to 'the impact of the geopolitical environment (including the conflict with Iran)' in the forward-looking statements uncertainties section (filed 2026-05-05)
- Added phrase 'operating and growing' to describe strategic focus, changing from just 'growing' (filed 2026-05-05)
- Removed:
- Removed reference to 'Medallion Funding LLC, or Medallion Funding, an SBIC, historically our primary taxi medallion lending company' from the list of wholly-owned subsidiaries (filed 2026-05-05)
- Removed clause 'and was an SBIC through 2023' regarding Freshstart Venture Capital Corp (filed 2026-05-05)
- Reworded:
- Changed date references from 'September 30, 2025 and December 31, 2024' to 'March 31, 2026 and December 31, 2025' throughout the BASIS OF PREPARATION section (filed 2026-05-05)
- Changed reference from 'three and nine months' to 'three months' when describing consolidated financial statements periods (filed 2026-05-05)
- Changed reference to prior year Form 10-K from 'year ended December 31, 2024' to 'year ended December 31, 2025' (filed 2026-05-05)
- Changed forward-looking statements language from 'including those relating to the U.S. and global economies, including the current inflationary environment, the impact of tariffs and the risk of recession' to include 'the impact of tariffs,' in updated version (filed 2026-05-05)
- Notes:
- The two filings are for different interim periods (Q1 2026 vs Q3 2025) and thus contain different financial data, which is expected and normal
- Page numbers differ between filings (pages 53-55 vs pages 64-66), likely due to different document lengths
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for MFIN — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding MFIN as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 1,385,283
- Reported value $11,858,022
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
MFIN had 908,743 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
MFIN had 3.96% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 27.91 days to cover at the same settlement.
- Reported short interest (shares) 908,743
- Short interest (% of shares outstanding) 3.96%
- Prior settlement (shares) 880,139
- Reported change 3.25%
- Days to cover (reported) 27.91
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Ally Financial (ALLY)
- Synchrony Financial (SYF)
- Capital One Financial (COF)
- Discover Financial Services (DFS)
- Regional Management (RM)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does MEDALLION FINANCIAL CORP (MFIN) do?
Medallion Financial Corp. is a specialty finance company that operates consumer finance and commercial lending businesses primarily through its subsidiary, Medallion Bank. The company specializes in originating loans for recreational vehicles, boats, collector cars, and home improvements, while also maintaining a portfolio of commercial and historical taxi medallion loans.
What sector is MEDALLION FINANCIAL CORP (MFIN) in?
MEDALLION FINANCIAL CORP (MFIN) is classified in the Financials sector. Its industry is Specialty Finance. It trades on NASDAQ.
Does MFIN pay a dividend?
Yes — MEDALLION FINANCIAL CORP (MFIN) pays a dividend, with an indicated yield of about 4.22% (market data, as of 2026-08-24). Informational only — not financial advice.
Who are MEDALLION FINANCIAL CORP's (MFIN) competitors?
Notable peers of MEDALLION FINANCIAL CORP (MFIN) include Ally Financial, Synchrony Financial, Capital One Financial, Discover Financial Services and Regional Management. This peer set is informational only — not financial advice.
Is MEDALLION FINANCIAL CORP (MFIN) overbought or oversold right now?
MEDALLION FINANCIAL CORP (MFIN) is currently in overbought territory (its 14-day RSI is 72, above 70) (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on MFIN come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.