Medallion Financial Corp (MFIN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Medallion Financial Corp stock (MFIN) is currently trading at $8.47. Medallion Financial Corp PE ratio is 4.70. Medallion Financial Corp PS ratio (Price-to-Sales) is 0.55. Analyst consensus price target for MFIN is $11.75. WallStSmart rates MFIN as Moderate Buy.
- MFIN PE ratio analysis and historical PE chart
- MFIN PS ratio (Price-to-Sales) history and trend
- MFIN intrinsic value — DCF, Graham Number, EPV models
- MFIN stock price prediction 2025 2026 2027 2028 2029 2030
- MFIN fair value vs current price
- MFIN insider transactions and insider buying
- Is MFIN undervalued or overvalued?
- Medallion Financial Corp financial analysis — revenue, earnings, cash flow
- MFIN Piotroski F-Score and Altman Z-Score
- MFIN analyst price target and Smart Rating
Medallion Financial Corp
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MFIN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Medallion Financial Corp (MFIN)
MFIN trades at a significant discount to its Graham intrinsic value of $58.24, offering a 82% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Medallion Financial Corp (MFIN) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/sales. Concerns around market cap. Overall metrics suggest strong investment potential with favorable risk/reward.
Medallion Financial Corp (MFIN) Key Strengths (4)
Growing significantly faster than its price suggests
Keeps $48 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Supporting Valuation Data
Medallion Financial Corp (MFIN) Areas to Watch (6)
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Solid revenue growth at 18.60% per year
Solid earnings growth at 16.20%
Decent profitability, keeps $12 per $100 revenue
Moderate institutional interest at 39.56%
Medallion Financial Corp (MFIN) Detailed Analysis Report
Overall Assessment
This company scores 75/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 4 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 5.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Price/Sales. Valuation metrics including PEG Ratio (0.77), Price/Sales (0.55), Price/Book (0.48) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 48.00%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Revenue Growth. Growth concerns include Revenue Growth at 18.60%, EPS Growth at 16.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.70%, Profit Margin at 12.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 18.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
MFIN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
MFIN's Price-to-Sales ratio of 0.55x trades at a deep discount to its historical average of 4.36x (4th percentile). The current valuation is 93% below its historical high of 8.41x set in Nov 2013, and 25% above its historical low of 0.44x in Mar 2017. Over the past 12 months, the PS ratio has compressed from ~0.7x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Medallion Financial Corp (MFIN) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Medallion Financial Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 353M with 19% growth year-over-year. Profit margins of 12.2% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 1170.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 34M in free cash flow and 34M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Medallion Financial Corp push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 5.5%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Medallion Financial Corp.
Bottom Line
Medallion Financial Corp offers an attractive blend of growth (19% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Medallion Financial Corp(MFIN)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
Medallion Financial Corp. The company is headquartered in New York City, New York.