MEDALLION FINANCIAL CORP (MFIN)
Financials · Specialty Finance · NASDAQ
A specialty finance company driving growth through high-yield consumer recreation and home improvement lending, supplemented by strategic fintech lending partnerships.
What MEDALLION FINANCIAL CORP does
Medallion Financial Corp. is a specialty finance company that operates primarily through its subsidiary, Medallion Bank. The company originates consumer loans for recreational vehicles, boats, collector cars, and home improvements, while also providing loan origination and servicing services to fintech partners. Additionally, it maintains a commercial lending business focused on mezzanine financing and equity investments in various industries.
Recent developments
Medallion achieved record total assets surpassing $3.0 billion in Q2 2026, driven by a 63% increase in total loan originations. The company expanded its fintech strategic partnership program to five active partnerships and reported record-level loan originations of $247.1 million from this segment in the second quarter of 2026.
From MEDALLION FINANCIAL CORP's filing of 2026-08-05.
Themes: consumer lending, fintech partnerships, recreation finance, home improvement lending, mezzanine finance
Fundamentals
- Price$12.05 as of 2026-10-08 close
- Market cap$277M as of 2026-08-04 (share count; price 2026-10-08)
- 1-year return+21.5% 2025-10-08 close $9.92 → 2026-10-08 close $12.05
- P/E9.09 as of 2026-10-08
- ROE+8.5% FY2025, SEC XBRL
- Debt / equity0.84 as of 2026-09-03
- Revenue growth (YoY)+28.5% as of 2026-09-03
- Beta0.64 as of 2026-09-03
- Last reported earnings2026-07-29 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.7%; pays a dividend.
How MFIN compares in its sector
- price-to-earnings ratiobottom 25% 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldtop 25% 468 covered Financials peers, as of 2026-09-03
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 18.0% 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 50 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 57, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 12 trading days ago. It is 1.7% below its 52-week high (its highest price of the past year). Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 18.0% above its 200-day average, the long-term trend line — a longer-term uptrend | +18.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $11.62 | $11.62 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $10.21 | $10.21 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 15 calendar days ago — the swings before that are what the structure reading is measured on | 15 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes below 11.39. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible upward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 50 trading days ago — a "golden cross", a bullish long-term signal | 50 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend) | 24.3 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 57, neither overbought (above 70) nor oversold (below 30) | 57.3 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($11.39 to $12.16) — its "stochastic" reading is 86 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. | 85.7 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 23 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $12.26 | $12.26 |
|---|---|---|
| From the 52-week high | it is 1.7% below its 52-week high (its highest price of the past year) | -1.7% |
| Above the 52-week low | it is 53.5% above its 52-week low (its lowest price of the past year) | +53.5% |
| Below the 52-week high | it is 1.7% below its highest point of the past year | 1.7% |
| Since a 20-day breakout | it made a new 20-day low about 12 trading days ago | 12 sessions |
| Since a 55-day breakout | it made a new 55-day high about 24 trading days ago | 24 sessions |
| 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 $12.22), and it has given back only a small part of its rise from last year’s low — 4% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $9.48 to $9.62. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 4.0% |
| From the all-time high | it is 32.5% below its all-time high | -32.5% |
| Nearest price level | it is trading 5.4% above a support level at $11.39 — a price it turned at twice since 2026-09-14, most recently on 2026-09-23. Since 2024-10-08 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. | -5.4% |
| 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 834.1% above its all-time low | +834.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move | 1st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.2899 between its high and its low — about 2.4% 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 | $0.2899 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $11.66 and $12.20 — 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 | $11.66 – $11.93 – $12.20 |
| Typical daily range (% of price) | its price moves about 2.4% 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 | 2.4% |
| Stretch from the 200-day average | it is trading 6.3 daily ranges above its 200-day average price (18.0% 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 | 6.3 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 | 0.65× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 4.5% since the prior reading | +4.5% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 5 sessions ago |
|---|---|---|
| Since a hammer | 7 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 7 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.6% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.6% |
|---|---|---|
| Gap filled | a 5.4% gap down opened on 2026-09-14 has been "filled" 18 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 18 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 1.4 percentage points (the stock lost 0.3% while the market gained 1.0%) | -1.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 18.8 percentage points (the stock gained 22.6% while the market gained 3.8%) | +18.8% |
| vs market, 6 months | over the past 6 months this stock beat the market by 23.2 percentage points (the stock gained 40.6% while the market gained 17.5%) | +23.1% |
| vs market, 12 months | over the past 12 months this stock beat the market by 6.5 percentage points (the stock gained 21.5% while the market gained 15.0%) | +6.5% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, 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 6.5% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 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 4.9% of the share price. | +6.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 17% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $10.27 — a volume-weighted average of daily closes over 189 sessions, not a true tick-by-tick VWAP. | +17.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 4% 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 $11.56 — a volume-weighted average of daily closes over 51 sessions, not a true tick-by-tick VWAP. | +4.2% |
Price levels it has turned at before
MFIN last closed at $12.05 on 2026-10-08. Since 2024-10-08 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 |
|---|---|---|---|
| $11.39 | Support | 5.4% below the last close | turned there twice · 2026-09-14 to 2026-09-23 |
| $10.90 | Support | 9.5% below the last close | turned there six times · 2025-08-05 to 2026-03-02 |
| $10.48 | Support | 13.1% below the last close | turned there five times · 2024-12-12 to 2026-06-26 |
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 five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes below $11.39.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $14.24 and $16.00 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $11.39.
This reading has stood for 14 trading days, since 2026-09-21.
Read from daily closes as of 2026-10-08.
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 · Near the 52-week high · in a Bollinger Band volatility squeeze · Analyst price target recently RAISED · beating the market · Stretched far above its 200-day average (6+ daily ranges) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low · bollinger bands
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.50 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$11.50 range $10.50 – $12.00; median $12.00
Analyst estimates, as of 2026-10-03. 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 2026-10-03
- Estimate change, 30 days$0.00 (0.0%) from $0.32, on 2026-08-29, 35-day window
- Readings revised upward0% of 8 comparable readings
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)
["High sensitivity to interest rate fluctuations and inflation affecting net interest margins.","Credit risk within the loan portfolio, requiring significant allowances for potential losses.","Regulatory oversight risks as an industrial bank holding company subject to FDIC and state regulations."]
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
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 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 1,520,029
- Reported value $15,519,494
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 1 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.
Ask about MFIN's institutional holders → See what each manager we track holds →
Short interest (FINRA)
MFIN had 954,272 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
MFIN had 4.16% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 18.15 days to cover at the same settlement.
- Reported short interest (shares) 954,272
- Short interest (% of shares outstanding) 4.16%
- Prior settlement (shares) 899,632
- Reported change 6.07%
- Days to cover (reported) 18.15
Reported to FINRA as of the 2026-09-15 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)
- Encore Capital Group (ECPG)
- PRA Group (PRAA)
- OneMain Holdings (OMF)
- Synchrony Financial (SYF)
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 primarily through its subsidiary, Medallion Bank. The company originates consumer loans for recreational vehicles, boats, collector cars, and home improvements, while also providing loan origination and servicing services to fintech partners. Additionally, it maintains a commercial lending business focused on mezzanine financing and equity investments in various industries.
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 4.67% (market data, as of 2026-09-03). Informational only — not financial advice.
Who are MEDALLION FINANCIAL CORP's (MFIN) competitors?
Notable peers of MEDALLION FINANCIAL CORP (MFIN) include Ally Financial, Encore Capital Group, PRA Group, OneMain Holdings and Synchrony Financial. 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 neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 57, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on MFIN come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.