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Medallion Financial Corp.

Medallion Financial Corp.

NASDAQ•MFIN
CEO: Mr. Alvin Murstein
セクター: Financial Services
業種: Financial - Credit Services
上場日: 1996-05-23
Medallion Financial Corp., together with its subsidiaries, operates as a specialty finance company in the United States. It operates in four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Taxi Medallion Lending. The company offers loans that finance consumer purchases of recreational vehicles, boats, and other consumer recreational equipment; consumer financing for window, siding, and roof replacement, swimming pool installations, and other home improvement projects; senior and subordinated loans for the purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and taxi medallion loans to individuals and small to mid-size businesses. It also provides debt, mezzanine, and equity investment capital to companies in various commercial industries; and raises deposits and conducts other banking activities. Medallion Financial Corp. was incorporated in 1995 and is headquartered in New York City, New York.
連絡先情報
437 Madison Avenue, 38th Floor, New York, NY, 10022, United States
212-328-2100
www.medallion.com
時価総額
$242.34M
PER (TTM)
5.3
22.3
配当利回り
4.5%
52週高値
$10.98
52週安値
$7.71
52週レンジ
83%
順位43Top 50.7%
3.8
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.8 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q3 2025 データ

売上高

$79.31M+9.31%
直近4四半期の推移

EPS

$0.34-10.53%
直近4四半期の推移

フリーCF

$66.98M+145.81%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Rises Net income attributable to stockholders grew to $30.8M for nine months ended September 30, 2025; diluted EPS reached $1.28.
Loan Portfolio Expansion Total net loans grew to $2.375B; Recreation lending remains core, contributing 66% of total interest income YTD.
Asset Quality Deterioration Allowance for credit losses increased to $111.1M (4.47% coverage); net charge-offs rose to $48.4M for the nine-month period.
Strong Capital Position Bank subsidiary's Tier 1 Leverage Ratio remains robust at 18.0%, significantly exceeding regulatory minimum requirements.

リスク要因

Rising Credit Risk Overall NPL ratio slightly increased to 1.46%; Recreation loan delinquency remains elevated at 4.79% as of September 30, 2025.
Funding Cost Pressure Average borrowing cost increased to 4.22% YTD, compressing gross NIM to 8.07% for the nine-month period.
Taxi Medallion Wind-Down Taxi medallion loans are 100% nonperforming, requiring continued focus on collection and liquidation of collateral.
Executive Transition Risk Key executive employment agreements amended, effective January 2026, introducing leadership transition considerations.

見通し

NIM Stabilization Expected Expect cost of funds to remain elevated, but margin stabilization anticipated as higher new loan yields offset funding costs.
Consumer Loan Quality Focus Management prioritizes originating higher quality loans over volume, especially in Recreation and Home Improvement segments.
Fintech Partnership Growth The Bank continues evaluating and launching additional strategic partnership programs to diversify lending activities.
Debt Maturity Refinancing Significant debt maturities approaching within two years, requiring refinancing strategies for brokered certificates of deposit.

同業比較

売上高 (TTM)

Finance of America Companies Inc.FOA
$1.46B
-24.6%
Yiren Digital Ltd.YRD
$864.82M
+10.8%
Oportun Financial CorporationOPRT
$656.08M
+33.8%

粗利益率 (最新四半期)

SuRo Capital Corp.SSSS
2189.2%
+2471.6pp
Chicago Atlantic BDC, Inc.LIEN
99.7%
-0.3pp
Oak Valley BancorpOVLY
95.9%
+11.9pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
YRD$316.44M0.912.7%0.3%
FVCB$292.63M13.28.9%0.8%
OVLY$282.60M11.612.7%0.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-1.6%
横ばい
4四半期純利益CAGR
3.6%
収益性の緩やかな改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年2月18日
|
EPS:$0.41
|
売上高:$56.20M
財務レポート
財務データ
ニュース
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月4日|
    売上高: $79.31M+9.3%
    |
    EPS: $0.34-10.5%
    予想通り

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月5日|
    売上高: $82.00M+21.6%
    |
    EPS: $0.49+58.1%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月6日|
    売上高: $82.67M+18.1%
    |
    EPS: $0.53+20.5%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月13日|
    売上高: $291.79M+14.6%
    |
    EPS: $1.59-35.1%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月6日|
    売上高: $72.55M+9.7%
    |
    EPS: $0.38-24.0%
    予想通り

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月7日|
    売上高: $67.45M+12.9%
    |
    EPS: $0.31-50.8%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月7日|
    売上高: $70.00M+28.6%
    |
    EPS: $0.44-36.2%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月7日|
    売上高: $254.51M+28.3%
    |
    EPS: $2.45+31.7%
    予想を上回る