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Medallion Financial (MFIN) investor relations material
Medallion Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income rose to $11.1M for Q2 2025, up 56% year-over-year, with EPS at $0.46, driven by strong lending and equity investment gains.
Loan portfolio grew 4.2% year-over-year to $2.49B, with consumer lending comprising over 94% of the portfolio.
Strategic partnership originations surged to $168.6M, further diversifying income sources.
Quarterly dividend increased 20% year-over-year to $0.12 per share, with ongoing share repurchases.
The company focused on higher-quality loan originations and risk management amid economic uncertainties.
Financial highlights
Net interest income increased 7% to $53.4M, with net interest margin at 8.09% on gross loans and 8.42% on net loans.
Total interest income was $77.4M for Q2 2025, up from $70.7M year-over-year.
Book value per share rose to $16.77, and adjusted tangible book value per share increased to $11.32.
Net charge-off ratio for Q2 2025 was 2.4%, with provision for credit losses at $21.6M, up from $18.6M year-over-year.
Total assets reached $2.88B as of June 30, 2025.
Outlook and guidance
Management expects continued growth in core lending and strategic partnerships, supported by recent preferred stock offering.
Net interest margin expected to remain around 8%, with potential expansion if rates fall, but deposit costs may rise.
Loan origination volumes may remain lower as credit quality is prioritized.
Forward-looking statements caution on economic risks, inflation, and recession impacts.
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