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Medallion Financial
Medallion Financial (MFIN) investor relations material
Medallion Financial Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary15 Jan, 2026
Business overview and strategy
Operates as a specialty finance company with a focus on consumer and commercial lending, leveraging a Utah industrial bank charter and SBIC license.
Main lending segments include recreation, home improvement, and commercial, with strategic fintech partnerships to drive originations.
Consumer loan portfolio more than doubled over five years, reaching $2.41 billion, with strong net interest margin and ROE.
Maintains significant insider ownership (~20%) and emphasizes niche lending expertise.
Strategic capital allocation and share repurchases have supported shareholder value.
Loan portfolio and segment performance
Total gross loans reached $2.56 billion as of September 30, 2025, with recreation loans comprising 62.6%, home improvement 31.4%, and commercial 5.3%.
Recreation loans totaled $1.60 billion with a 15.17% average interest rate and 685 average FICO score.
Home improvement loans stood at $804 million, averaging 9.87% interest and a 767 FICO score.
Commercial lending reached a record $135.1 million, with a 13.71% average interest rate and equity components in most deals.
Strategic partnerships and fintech collaborations contributed $16.8 million in loans.
Financial performance and profitability
Net interest income grew at a 12.36% CAGR, reaching $202.5 million YTD 3Q25.
Net income attributable to shareholders was $30.8 million for the nine months ended September 30, 2025.
Net interest margin remained strong at 8.05% in FY24, with operating costs as a percentage of NII trending downward.
Book value per share increased to $17.07, with shares trading below book and adjusted tangible book value.
Quarterly dividend increased 50% since 2022, with a current annualized yield of 4.75%.
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Next Medallion Financial earnings date
Q4 20256 Mar, 2026
Medallion Financial
Next Medallion Financial earnings date
Q4 20256 Mar, 2026
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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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