US · MFIN
Medallion Financial Corp.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- New York City, NY 10022
- Website
- medallion.com
Price · as of 2024-12-31
$8.86
Market cap 234.89M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $39.74 | +348.53% |
| Intrinsic Value(DCF) | $20.34 | +129.57% |
| Graham-Dodd Method(GD) | $11.44 | +29.07% |
| Graham Formula(GF) | $35.16 | +296.85% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $4.44 | $58.84 | $2.18 | $3.22 | $1.66 |
| 2011 | $6.14 | $18.38 | $2.69 | $4.50 | $20.09 |
| 2012 | $7.98 | $21.00 | $1.81 | $4.42 | $16.13 |
| 2013 | $9.19 | $21.23 | $4.00 | $4.77 | $11.17 |
| 2014 | $6.99 | $92.69 | $1.31 | $2.20 | $21.09 |
| 2015 | $6.66 | $37.68 | $0.90 | $2.23 | $10.75 |
| 2016 | $1.69 | $166.72 | $0.00 | $7.67 | $90.72 |
| 2017 | $3.88 | $61.39 | $5.50 | $11.97 | $0.00 |
| 2018 | $5.45 | $451.85 | $719.31 | $0.00 | $0.00 |
| 2019 | $4.29 | $27.23 | $762.64 | $4.25 | $0.00 |
| 2020 | $6.30 | $104.70 | $319.92 | $0.00 | $0.00 |
| 2021 | $7.54 | $54.85 | $144.76 | $16.54 | $56.59 |
| 2022 | $7.16 | $31.98 | $28.25 | $10.90 | $34.32 |
| 2023 | $7.33 | $42.09 | $88.29 | $15.64 | $85.90 |
| 2024 | $8.33 | $39.74 | $25.41 | $11.44 | $35.16 |
AI valuation
Our deep-learning model estimates Medallion Financial Corp.'s (MFIN) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $39.74
- Current price
- $8.86
- AI upside
- +348.53%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$20.34
+129.57% upside
Graham-Dodd
$11.44
+29.07% upside
Graham Formula
$35.16
+296.85% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| MFIN | Medallion Financial Corp. | $8.86 | 234.89M | +349% | +130% | +29% | +297% | 4.48 | 0.51 | 0.64 | 5.43 | — | 0.94 | 43.57% | 21.57% | 12.30% | 11.76% | 8.01% | 1.54% | 0.78 | 0.71 | 0.05 | 0.05 | 2.75 | -3586.00% | 1465.00% | 154.00% | 61.50% | 0.05 | 22.07% | 5.00% | 22.40% | 12.84% | 5.96 | 3.25 | 1.29 | -0.57 |
| CPSS | Consumer Portfolio Servic… | $8.10 | 178.78M | +2,014% | -54% | +125% | +116% | 10.43 | 0.68 | 0.51 | 113.81 | — | 0.68 | 52.75% | 6.97% | 4.88% | 6.77% | 0.64% | 0.60% | 10.78 | 0.14 | — | — | 106.73 | -5611.00% | 1179.00% | -173.00% | 116.45% | — | 7.74% | 0.00% | 0.00% | 6.40% | 117.38 | 13.80 | 8.18 | 0.28 |
| FOA | Finance Of America Compan… | $19.35 | 196.37M | +8,018% | -53% | +75% | +154% | -1.56 | 0.87 | 0.11 | 353.39 | — | 5.70 | 13.88% | 2.20% | 0.79% | -58.50% | 0.15% | -0.51% | 112.49 | 0.03 | 0.09 | 0.09 | 350.68 | -11208.00% | 2425.00% | 49219.00% | -190.70% | -0.33 | -1.52% | 0.00% | 0.00% | 0.00% | 674.85 | -68.18 | 14.82 | -0.01 |
| LIEN | Chicago Atlantic BDC, Inc… | $10.03 | 228.89M | +2,607% | +4% | +57% | +678% | 11.14 | 0.36 | 5.97 | 8.66 | — | 0.36 | 100.00% | 53.54% | 53.54% | 4.98% | 5.83% | 4.83% | 0.00 | — | 633.94 | 900.58 | -2.49 | -2119.00% | 7915.00% | -18757.00% | -4.70% | -133.36 | -3.05% | 11.58% | 129.10% | 11.58% | 8.66 | -16.54 | 4.63 | 7.90 |
| LPRO | Open Lending Corporation | $1.33 | 157.19M | +2,887% | +44% | — | +5,693% | -4.21 | 7.28 | 23.66 | -9.09 | — | 7.82 | 0.70% | -272.14% | -561.98% | -95.19% | -141.83% | -40.28% | 1.84 | -5.78 | 5.84 | 5.54 | 1.93 | -72778.00% | -7955.00% | -7834.00% | 3.07% | 0.37 | 37.82% | 0.00% | 0.00% | 1.29% | -7.18 | 26.91 | 19.53 | 0.29 |
| OPRT | Oportun Financial Corpora… | $5.18 | 228.59M | +499% | -41% | +108% | +171% | 10.20 | 0.66 | 0.40 | 3.70 | — | 0.81 | 63.68% | 6.92% | 3.95% | 6.78% | 1.48% | 0.78% | 0.03 | 0.19 | 9.17 | 9.17 | -2.13 | -12718.00% | 1949.00% | 1044.00% | 160.86% | 35.95 | 24.23% | 0.00% | 0.00% | 1111.47% | 3.70 | 0.39 | 0.26 | 0.23 |
| OVLY | Oak Valley Bancorp | $32.00 | 268.42M | +54% | +27% | -5% | -1% | 8.16 | 1.11 | 2.28 | -0.30 | — | 1.13 | 87.43% | 35.99% | 27.89% | 14.28% | -8.88% | 1.33% | 0.00 | 2.50 | 0.13 | 0.13 | -4.16 | -1947.00% | 247.00% | -2345.00% | 11.71% | 0.02 | -8.49% | 1.84% | 15.00% | 1.92% | -0.31 | -0.41 | -0.11 | -0.63 |
| SSSS | SuRo Capital Corp. | $9.38 | 235.62M | +1,289% | -78% | — | +237% | -3.23 | 0.78 | 26.34 | -4.62 | — | 0.78 | -520.88% | -815.77% | -815.77% | -21.13% | -16.59% | -14.97% | 0.46 | -7.87 | 26.81 | 26.81 | -1.40 | -94211.00% | -2916.00% | -12290.00% | 1.93% | 3.05 | 1.03% | 0.12% | -0.40% | 7.75% | -4.62 | 74.40 | 37.72 | 0.55 |
| SUIG | SUI Group Holdings Limite… | $1.26 | 104.67M | +102,775% | -18% | +218% | +990% | 10.30 | 0.61 | 3.37 | 3.77 | — | 0.61 | 99.99% | 44.64% | 32.72% | 6.09% | 7.31% | 5.90% | 0.00 | 4978.68 | 152.05 | 151.27 | -3.78 | -19474.00% | 7007.00% | -59666.00% | 46.97% | 137.45 | 35.36% | 0.00% | 0.00% | 47.04% | 3.77 | 1.06 | 1.68 | 10.79 |
| TPVG | TriplePoint Venture Growt… | $5.19 | 209.67M | +2,342% | -10% | — | +16,529% | 7.92 | 0.73 | 3.56 | 18.93 | — | 0.73 | 63.96% | 45.02% | 45.02% | 9.26% | 4.27% | 3.68% | 1.15 | 1.25 | — | — | 11.01 | -17321.00% | 109241.00% | 21063.00% | 60.27% | — | 20.40% | 20.53% | 162.50% | 60.59% | 18.93 | 3.97 | 8.52 | 0.36 |
| YRD | Yiren Digital Ltd. | $3.90 | 339.04M | +497% | +321% | +549% | +1,603% | 2.61 | 0.43 | 0.71 | -0.06 | — | 0.43 | 84.79% | 28.37% | 27.25% | 17.95% | 39.36% | 13.61% | 0.00 | — | 5.61 | 4.39 | -2.27 | -2221.00% | 1859.00% | -3469.00% | 34.23% | 0.68 | 39.77% | 2.96% | 7.70% | 4.79% | -0.06 | -0.07 | -0.02 | 2.96 |
About Medallion Financial Corp.
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 loans for purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and medallion loans. In addition, it provides debt, mezzanine, and equity investment capital to companies in various industries; and raises deposits and conducts other banking activities. Medallion Financial Corp. was incorporated in 1995 and is headquartered in New York City, New York.
- CEO
- Andrew Murstein
- Employees
- 174
- Beta
- 0.76
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($20.34 ÷ $8.86) − 1 = +129.57% (DCF, example).