Medallion Financial

Valuation Analysis

About the Company

Medallion Financial en bref

Medallion Financial (MFIN) is currently trading at 8,31 € with a market capitalization of 198 M €. The trailing P/E ratio stands at 6.44x, with a forward P/E of 6.57x. The 52-week range spans from 6,84 € to 9,59 €; the current price is 13.4% below the yearly high. Year-over-year revenue growth stands at -6.4%. The net profit margin stands at 10.35%.

💰 Dividende

Medallion Financial pays an annual dividend of 0,49 € per share, representing a yield of 5.88%. The payout ratio stands at 32.43%.

📊 Avis des analystes

3 analystes évaluent Medallion Financial (MFIN) au consensus : Acheter. L'objectif de cours moyen est de 9,59 €, soit un potentiel de +15.42% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 9,15 € à 10,46 €.

Medallion Financial : la thèse d'investissement en détail

Medallion Financial (MFIN) operates in the Financial Services — specifically Credit Services — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

Le scénario haussier

With a gross margin near 74.04%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns. Wall Street consensus sits at Buy with an average price target implying roughly 15.42% upside from current levels — analyst sentiment is firmly constructive. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Le scénario baissier

Revenue is contracting at -6.4% year-over-year — until that trend reverses, valuation is exposed to further downgrades. The debt-to-equity ratio of 471.7% is elevated, meaning the company relies heavily on creditors — refinancing terms will become more important than operational performance in the next economic downturn.

Valorisation en contexte

With a PEG ratio of 0.77, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity.

À surveiller

• The dividend yield near 5.88% combined with a payout ratio of 32.43% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Thèse d'investissement : forces et faiblesses

Aperçu technique

The price is in a transition zone relative to the moving averages — no clear signal.

Profil de risque

The data points to relatively defensive market behavior, higher leverage relative to equity.

Trading Data

💵 Dividend Info

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