Medallion Financial Corp (MFIN) Stock Analysis

AI analysis of Medallion Financial Corp (MFIN)

Hold

Medallion Financial Corp is currently not a strong buy due to its recent performance and technical indicators. The current price is $10.02, which is significantly below the 52-week high of $12.26, indicating potential for recovery. However, the RSI is at a low 18.91, suggesting the stock is oversold. The forward P/E ratio is 7.69, which is low compared to industry standards, but recent earnings showed a significant EPS miss of -68.75%, reporting only $0.10 against an estimate of $0.32. The main risk is the declining net income, which fell to $2.39 million in Q3 2026, down from $7.44 million in Q2 2026, indicating potential ongoing challenges in profitability.

Analyst Ratings (1)

Hold

0 Buy

1 Hold

0 Sell

Current: 9.92

Low

—

Average

—

High

—

Ladenburg

Neutral

—

2026-10-30

Ladenburg

2026-10-30

Price Target

—

Neutral

Piper Sandler

Neutral

$12

2026-10-02

Piper Sandler

2026-10-02

Price Target

$12

Neutral

Raymond James

Market Perform

—

2026-07-09

Raymond James

2026-07-09

Price Target

—

Market Perform

Piper Sandler

Hold

$10.50

2026-06-12

Piper Sandler

2026-06-12

Price Target

$10.50

Hold

B. Riley Securities

Strong Buy

$12

2023-08-02

B. Riley Securities

2023-08-02

Price Target

$12

Strong Buy

See All Ratings

Valuation Metrics

The current forward P/E ratio for Medallion Financial Corp (MFIN) is 7.69, compared to its 5-year average forward P/E of 5.89.

Forward P/E

Fair

5Y Average P/E

5.89

Current P/E

7.69

Overvalued

8.01

Undervalued

3.77

Forward EV/EBITDA

Overvalued

5Y Average EV/EBITDA

0.74

Current EV/EBITDA

3.17

Overvalued

2.55

Undervalued

-1.06

Forward P/S

Fair

5Y Average P/S

0.99

Current P/S

0.89

Overvalued

1.14

Undervalued

0.85

Alphio AI Price Scenarios for MFIN

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%MFIN

$13.48

Scenario price

B

Base

Base · 50%MFIN

$11.42

Scenario price

B

Bear

Bear · 25%MFIN

$11.15

Scenario price

MFIN FAQ — answered by Alphio AI

Medallion Financial Corp. is a specialty finance company that originates and services a portfolio of consumer loans and mezzanine loans in various industries. It conducts its business through various wholly owned subsidiaries, including its primary operating company, Medallion Bank (the Bank), an industrial bank that originates consumer loans, raises deposits, and conducts other banking activities. It provides loans to individuals and small to mid-size businesses, through its subsidiaries, under four segments: loans that finance consumer purchases of recreational vehicles, boats, collector cars, and other consumer recreational equipment; loans that finance consumer home improvements; loans that finance commercial businesses; and loans that finance taxi medallions. It also conducts business through its subsidiaries Medallion Capital, Inc., a small business investment company, which conducts a mezzanine financing business; Medallion Funding LLC; and Freshstart Venture Capital Corp. It operates in the Financials sector (FINANCE SERVICES industry).

Medallion Financial Corp is currently not a strong buy due to its recent performance and technical indicators. The current price is $10.02, which is significantly below the 52-week high of $12.26, indicating potential for recovery. However, the RSI is at a low 18.91, suggesting the stock is oversold. The forward P/E ratio is 7.69, which is low compared to industry standards, but recent earnings showed a significant EPS miss of -68.75%, reporting only $0.10 against an estimate of $0.32. The main risk is the declining net income, which fell to $2.39 million in Q3 2026, down from $7.44 million in Q2 2026, indicating potential ongoing challenges in profitability.

1 analysts cover MFIN: 0 rate it Buy, 1 Hold and 0 Sell.