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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.Q2 2025 earnings summary31 Jul, 2025
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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Next Medallion Financial earnings date
Q3 202530 Oct, 2025
Next Medallion Financial earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
Medallion Financial Corp. is a specialty finance company that, through its subsidiaries, offers various consumer and commercial lending solutions. It operates in four main segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Taxi Medallion Lending. Medallion Financial provides loans for recreational vehicles and boats, home improvement projects such as window and roof replacements, and commercial loans for small to mid-sized businesses. It is also known for its legacy business of financing taxi medallions. Additionally, the company offers debt, mezzanine, and equity investment capital, and conducts banking activities through its wholly-owned subsidiary, Medallion Bank. The company is headquartered in NYC, and its shares are listed on the NASDAQ.
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