Medallion Financial

Valuation Analysis

About the Company

Medallion Financial en bref

Medallion Financial (MFIN) is currently trading at 8,62 € with a market capitalization of 199 M €. The trailing P/E ratio stands at 7.47x, with a forward P/E of 6.78x. The 52-week range spans from 6,81 € to 9,54 €; the current price is 9.6% below the yearly high. Year-over-year revenue growth stands at +2.5%. The net profit margin stands at 9.25%.

💰 Dividende

Medallion Financial pays an annual dividend of 0,49 € per share, representing a yield of 5.63%. The payout ratio stands at 37.59%.

📊 Avis des analystes

3 analystes évaluent Medallion Financial (MFIN) au consensus : Acheter. L'objectif de cours moyen est de 9,54 €, soit un potentiel de +10.66% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 9,10 € à 10,40 €.

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%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns. 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 growth has slowed to just 2.5%, which is below nominal GDP — the business is no longer outgrowing the broader economy. The debt-to-equity ratio of 522.28% 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 5.63% combined with a payout ratio of 37.59% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Thèse d'investissement : forces et faiblesses

Aperçu technique

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Profil de risque

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

Trading Data

💵 Dividend Info

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