Logotype for Medallion Financial Corp

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.
Logotype for Medallion Financial Corp
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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Medallion Financial earnings date

Logotype for Medallion Financial Corp
Q3 202529 Oct, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Medallion Financial earnings date

Logotype for Medallion Financial Corp
Q3 202529 Oct, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage