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Medallion Financial (MFIN) investor relations material
Medallion Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income attributable to shareholders was $7.8 million for Q3 2025, or $11.3 million excluding a $3.5 million non-recurring charge from redeeming Series F Preferred Stock, with diluted EPS of $0.32; YTD net income was $30.8 million.
Net interest income reached a record $55.7 million, up 6% year-over-year, with a 12.36% CAGR since 2022.
Loan portfolio increased 3% year-over-year to $2.559 billion, with total assets at $2.9 billion as of September 30, 2025.
Board appointed Andrew Murstein as CEO effective January 31, 2026, with Alvin Murstein to become Executive Chairman.
Specialty finance company with diversified lending across recreation, home improvement, and commercial segments, and strong fintech partnerships.
Financial highlights
Net interest margin was 8.21% on gross loans and 8.56% on net loans in Q3 2025.
Book value per share rose to $17.07, and adjusted tangible book value increased to $11.64.
Year-to-date loan originations through Q3 2025 totaled $1,084.1 million, surpassing full-year 2024 originations.
Quarterly dividend increased to $0.12 per share, with an annualized yield of 4.75% as of 9/30/25.
Repurchased 108,351 shares at an average $9.10 per share in 2025; $14.4 million remains under the $40 million repurchase program.
Outlook and guidance
Strategic partnership program originations and fees are expected to continue growing, with plans to add new partners.
Management expects net interest margin to stabilize as new loan originations at higher rates become a larger portfolio share.
Focus remains on enhancing operating efficiency, portfolio diversification, and disciplined underwriting.
Anticipate accelerated growth in recreation and home improvement loans due to increased capital and new talent.
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Next Medallion Financial earnings date
Q4 20256 Mar, 2026
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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