Medallion Financial Corp. (MFIN) Stock: Dividends & Earnings

Company Overview:

Market Cap: $211.89M

Trailing PE: 8.4x

FWD PE *: 7.4x

Payout Ratio (TTM): 26.6%

52-Week Range: $7.85 - $12.26

* Forward PE is based on street estimates.

10 Year MFIN Performance Metrics:

Total Return (with DRIP): 218.0% (12.27% CAGR)

Total Return (no DRIP): 204.6% (11.78% CAGR)

Share Price: 150.9% (9.64% CAGR)

Yield on Cost (with DRIP): 19.13%

Total Invested: $10,000

Total Value (with DRIP): $31,801

Total Return $ (with DRIP): $21,801

Dividend Increase: 180.0% (11.18% CAGR)

Dividend Yield (FWD): 6.02% ($0.56)

MFIN 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

MFIN Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

MFIN Price CAGR:1Y: -7.18%2Y: -3.07%5Y: 1.84%10Y: 9.64%

MFIN Dividend Charts

MFIN - Dividends

MFIN Dividend CAGR:1Y: -1.18%2Y: -1.18%5Y: -1.18%10Y: -1.18%

MFIN - Dividend Payout Ratio

MFIN Dividend Payout Ratio CAGR:1Y: 442.74%2Y: 124.62%5Y: 0.00%10Y: 18.85%

MFIN - Dividend to Free Cash Flow Ratio

MFIN Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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MFIN - Chart 1

MFIN - Chart 2

MFIN - Chart 3

MFIN Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

Revenue

MFIN Revenue CAGR:1Y: 65.19%2Y: 12.80%5Y: 14.79%10Y: 21.64%

Earnings Per Share (EPS)

MFIN EPS CAGR:1Y: -68.75%2Y: -48.01%5Y: -31.01%10Y: -7.15%

Net Income

MFIN Net Income CAGR:1Y: -82.39%2Y: -47.24%5Y: -31.54%10Y: -7.17%

EBITDA

MFIN EBITDA CAGR:1Y: 79.35%2Y: 56.18%5Y: 9.88%10Y: 22.27%

Free Cash Flow

MFIN Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Free Cash Flow / Share

MFIN Free Cash Flow / Share CAGR:1Y: -32.92%2Y: 27.39%5Y: 16.93%10Y: -5.28%

Operating Income

MFIN Operating Income CAGR:1Y: 92.95%2Y: 62.80%5Y: 10.42%10Y: 22.24%

Gross Profit

MFIN Gross Profit CAGR:1Y: 141.91%2Y: 73.30%5Y: 17.07%10Y: 24.49%

Shares Outstanding

MFIN Shares Outstanding CAGR:1Y: -3.23%2Y: 0.42%5Y: -1.10%10Y: -0.22%

Share Buybacks

MFIN Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Stock-Based Comp

MFIN Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Expenses

MFIN Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Revenue vs Net Income

EPS vs FCF / Share

EPS vs PE Ratio

FCF vs FCF / Share

FCF vs Stock Based Comp

Cash & Debt

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

REVENUE: Actual + Estimates

MFIN Actual Revenue CAGR:1Y: 65.19%2Y: 12.80%5Y: 14.79%10Y: 21.64%

EPS: Actual + Estimates

MFIN Actual EPS CAGR:1Y: -68.75%2Y: -48.01%5Y: -31.01%10Y: -7.15%

NET INCOME: Actual + Estimates

MFIN Actual Net Income CAGR:1Y: -82.39%2Y: -47.24%5Y: -31.54%10Y: -7.17%

EBITDA: Actual + Estimates

MFIN Actual EBITDA CAGR:1Y: 79.35%2Y: 56.18%5Y: 9.88%10Y: 22.27%

Ratios, Profit Margins & Return on Capital:

Net Profit Margin

MFIN Net Profit Margin CAGR:1Y: -81.72%2Y: -53.20%5Y: -40.34%10Y: -23.67%

Gross Profit Margin

MFIN Gross Profit Margin CAGR:1Y: 107.83%2Y: 53.63%5Y: 1.99%10Y: 2.35%

Price to Earnings

MFIN Price to Earnings CAGR:1Y: 263.87%2Y: 125.48%5Y: 54.91%10Y: 18.26%

Price To Sales Ratio

MFIN Price To Sales Ratio CAGR:1Y: 0.39%2Y: 7.61%5Y: -6.86%10Y: -9.38%

Return on Capital Employed

MFIN Return on Capital Employed CAGR:1Y: -56.49%2Y: -25.26%5Y: -22.03%10Y: 3.72%

Return on Invested Capital

MFIN Return on Invested Capital CAGR:1Y: -53.89%2Y: -25.17%5Y: -23.24%10Y: -0.20%

MFIN Dividends Info:

Annual Dividend: $0.56

Forward Yield: 6.02%

Ex-Dividend Date: 2026-08-17

Lifetime Dividends / Share: $17.01

Dividend Safety RatingUnlock Full MFIN dividend report »

Projected Future Returns & Dividends for MFIN

Based on past 10-year performance, here are MFIN growth metrics:

Share price CAGR of +9.64%
Dividend CAGR of -3.52%

Using MFIN CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	MFIN (DRIP)	MFIN - No DRIP
Current Price	$9.31	$9.31
Start Shares	1,074.11	1,074.11
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	1,791.25	1,074.11
Dividends Payment	$0.10	$0.10
Annual Dividends	$701	$421
Yield on cost	7.01%	4.21%
Share Price	$9.31	$9.31
Total Dividends	$6,677	$5,147
Final Value	$16,677	$15,147

Estimated Future Value + Dividends - MFIN

NOTE: Above numbers are our estimate based on MFIN's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

Is MFIN's dividend safe, and what is MFIN worth?

Pro adds MFIN's Dividend Safety Rating, its DCF fair value and the Trend Signal to this page and opens the 26 blurred charts above.

Show MFIN's rating and fair value

Company Info

Medallion Financial Corp. (MFIN) had its IPO on 1996-05-23, and is traded on NASDAQ stock exchange.

Medallion Financial Corp. (MFIN), encompassing its various subsidiaries, functions as a diversified financial services provider throughout the United States. The company's operations are distinctly segmented into Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. MFIN specializes in extending credit for consumer acquisitions of recreational vehicles, boats, and trailers, as well as for residential improvement projects. Furthermore, it offers commercial financing for business purposes, including the procurement of equipment, the establishment of new ventures, or the acquisition and enhancement of existing businesses. A notable segment involves providing loans for taxi medallions to individual operators and small to medium-sized enterprises. Beyond direct lending, Medallion Financial also allocates debt, mezzanine, and equity investment capital to companies across various industries, while additionally engaging in deposit-taking and other banking services. Established in 1995, Medallion Financial Corp. maintains its primary office in New York City, New York.

MFIN website: https://www.medallion.com

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DCF Model — MFIN

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $9.31

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

Medallion Financial Corp. MFIN | NASDAQ