Medallion Financial (NASDAQ:MFIN) Announces Earnings Results, Beats Estimates By $0.09 EPS

Medallion Financial (NASDAQ:MFIN) announced its earnings results on Wednesday. The credit services provider reported $0.50 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $0.41 by $0.09, Zacks reports. Medallion Financial had a net margin of 12.18% and a return on equity of 9.45%. The firm had revenue of $55.92 million during the quarter, compared to analyst estimates of $56.20 million.

Medallion Financial Stock Performance

Medallion Financial stock opened at $10.55 on Friday. Medallion Financial has a fifty-two week low of $7.71 and a fifty-two week high of $11.00. The firm’s 50 day simple moving average is $10.32 and its 200-day simple moving average is $10.20. The company has a debt-to-equity ratio of 0.43, a current ratio of 1.21 and a quick ratio of 1.18. The company has a market cap of $245.51 million, a P/E ratio of 6.00 and a beta of 0.77.

Medallion Financial Announces Dividend

The company also recently announced a quarterly dividend, which will be paid on Tuesday, March 31st. Shareholders of record on Thursday, March 19th will be issued a $0.12 dividend. This represents a $0.48 annualized dividend and a dividend yield of 4.6%. The ex-dividend date is Thursday, March 19th. Medallion Financial’s dividend payout ratio (DPR) is presently 28.07%.

Key Medallion Financial News

Here are the key news stories impacting Medallion Financial this week:

• Positive Sentiment: Q4 earnings beat — Medallion reported $0.50 EPS for Q4, beating the consensus ~$0.41 and showing year-over-year improvement; this supports near-term earnings credibility. Zacks: MFIN Tops Q4
• Positive Sentiment: Dividend declared — Board approved a $0.12 quarterly dividend (annualized yield ~4.5%), which can attract income-focused investors and provide support under weaker price action.
• Positive Sentiment: Growth target and business expansion — Management outlined a mid‑teens loan growth target for 2026 and is expanding its home‑improvement lending segment, signaling revenue growth initiatives. Seeking Alpha: Loan growth target
• Neutral Sentiment: Revenue roughly flat to estimates — Q4 revenue was $55.92M vs. ~$56.20M estimate (a small miss), so upside was concentrated in margin/earnings rather than top-line surprise. Press release / slides
• Neutral Sentiment: Earnings call material available — Transcript and slide deck were published; investors can review management commentary on loan mix, credit trends and capital allocation. Earnings call transcript
• Negative Sentiment: Analyst cuts from Northland — Northland Securities sharply reduced quarterly and full‑year 2026 EPS forecasts (Q1 from $0.35→$0.25, Q2 $0.36→$0.30, Q3 $0.39→$0.33, Q4 $0.38→$0.37, FY2026 $1.48→$1.25). Those cuts increase downside risk versus consensus (~$1.46) and likely pressured the stock today.

Wall Street Analysts Forecast Growth

A number of research analysts recently commented on the stock. Wall Street Zen lowered shares of Medallion Financial from a “buy” rating to a “hold” rating in a research note on Saturday, November 8th. Zacks Research lowered Medallion Financial from a “strong-buy” rating to a “hold” rating in a report on Tuesday, December 2nd. Finally, Weiss Ratings reissued a “hold (c)” rating on shares of Medallion Financial in a report on Thursday, January 22nd. One equities research analyst has rated the stock with a Buy rating and two have assigned a Hold rating to the company. Based on data from MarketBeat, the stock currently has a consensus rating of “Hold” and a consensus price target of $12.00.

Institutional Trading of Medallion Financial

Several large investors have recently added to or reduced their stakes in MFIN. Raymond James Financial Inc. boosted its position in Medallion Financial by 87.9% during the 2nd quarter. Raymond James Financial Inc. now owns 30,110 shares of the credit services provider’s stock worth $287,000 after acquiring an additional 14,085 shares during the period. Rhumbline Advisers lifted its position in shares of Medallion Financial by 6.7% in the second quarter. Rhumbline Advisers now owns 29,712 shares of the credit services provider’s stock worth $283,000 after purchasing an additional 1,871 shares in the last quarter. Bank of America Corp DE boosted its holdings in shares of Medallion Financial by 4.4% during the third quarter. Bank of America Corp DE now owns 26,318 shares of the credit services provider’s stock worth $266,000 after purchasing an additional 1,112 shares during the period. Empowered Funds LLC grew its position in Medallion Financial by 9.7% during the first quarter. Empowered Funds LLC now owns 27,842 shares of the credit services provider’s stock valued at $243,000 after purchasing an additional 2,461 shares in the last quarter. Finally, Jane Street Group LLC acquired a new position in Medallion Financial in the 2nd quarter valued at approximately $240,000. 40.56% of the stock is owned by institutional investors and hedge funds.

Medallion Financial Company Profile

Medallion Financial Corporation is a specialty finance company that provides asset-based lending solutions to small and mid-sized businesses in the United States. The company’s core business activities include secured loans collateralized by business assets such as insurance premiums, commercial real estate, maritime assets and portfolio receivables. Through its insurance premium finance division, Medallion offers short-term loans that allow policyholders to spread insurance costs over multiple payments, while its portfolio financing arm provides funding against a borrower’s existing asset portfolios.

Founded in 1998 and headquartered in Minneapolis, Minnesota, Medallion Financial originally established itself in the taxi medallion lending market, extending loans secured by New York City cab medallions.