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
時価総額
$217.43M
PER (TTM)
4.6
20.8
配当利回り
5.0%
52週高値
$11.00
52週安値
$7.78
52週レンジ
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
Q4 2025 データ
売上高
$95.82M+0.00%
直近4四半期の推移
EPS
$0.53+0.00%
直近4四半期の推移
フリーCF
$33.77M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
Asset Growth and NII Increase Total assets reached $2.96B; Net Interest Income increased to $216.9M, driven by higher loan yields across segments.
Asset Quality Improvement Noted NPL ratio improved slightly to 1.0% (90+ DPD). ACL increased to $114.8M reflecting higher expected recreation loan losses.
Strong Capital Adequacy Maintained Bank capital remains robust; Tier 1 Leverage Ratio hit 17.8%, significantly exceeding the 15% minimum requirement.
Strategic Partnership Loan Surge Consumer lending remains core (95% of loans); Strategic Partnership originations surged to $771.6 million for the year.
リスク要因
Consumer Credit Concentration Risk Heavy concentration in consumer lending subjects results to economic downturns and higher non-prime default rates.
Rising Funding Costs Pressure Rising funding costs compressed NIM slightly; replacement deposits carry higher rates, pressuring future net interest margins.
SBA Financing Uncertainty Medallion Capital management team review by SBA remains uncertain, potentially blocking future access to SBA debenture financing.
Cyber and AI Regulatory Exposure Evolving cyber threats and complex, rapidly changing AI regulatory environment increase compliance costs and operational risk exposure.
見通し
Focus on Quality Loan Originations Management focuses on originating quality consumer loans, aligning portfolio growth with available capital levels for stability.
Seeking Additional Debt Financing Actively seeking additional debt financing following repayment of privately placed notes; liquidity remains a key focus area.
Rigorous Credit Monitoring Continues Expect continued rigorous monitoring of non-prime portfolio performance; allowance methodology updated for CECL lifetime loss standard.
同業比較
売上高 (TTM)
$2.14B
$864.82M
$637.34M
粗利益率 (最新四半期)
122.7%
100.0%
100.0%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| YRD | $308.62M | 1.7 | 12.7% | 0.3% |
| OVLY | $265.24M | 10.9 | 12.7% | 0.0% |
| FVCB | $264.25M | 11.9 | 8.9% | 0.8% |
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
5.0%
安定成長
4四半期純利益CAGR
0.5%
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4月28日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし