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Upturn AI SWOT - About
MFIN 
Medallion Financial Corp (MFIN)
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Upturn Advisory Summary
04/01/2025: MFIN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 21.06% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 203.31M USD | Price to earnings Ratio 5.75 | 1Y Target Price 11 |
Price to earnings Ratio 5.75 | 1Y Target Price 11 | ||
Volume (30-day avg) 45535 | Beta 2.09 | 52 Weeks Range 6.25 - 10.37 | Updated Date 04/1/2025 |
52 Weeks Range 6.25 - 10.37 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 5.03% | Basic EPS (TTM) 1.52 |
Earnings Date
Report Date 2025-03-05 | When - | Estimate 0.33 | Actual 0.43 |
Profitability
Profit Margin 11.86% | Operating Margin (TTM) 56.57% |
Management Effectiveness
Return on Assets (TTM) 3.53% | Return on Equity (TTM) 9.86% |
Valuation
Trailing PE 5.75 | Forward PE - | Enterprise Value 2473233920 | Price to Sales(TTM) 0.67 |
Enterprise Value 2473233920 | Price to Sales(TTM) 0.67 | ||
Enterprise Value to Revenue 2.42 | Enterprise Value to EBITDA - | Shares Outstanding 23262100 | Shares Floating 15311633 |
Shares Outstanding 23262100 | Shares Floating 15311633 | ||
Percent Insiders 29.86 | Percent Institutions 37.42 |
Analyst Ratings
Rating 3 | Target Price 11 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Medallion Financial Corp
Company Overview
History and Background
Medallion Financial Corp. was founded in 1937 to provide financing to taxi medallion owners. Over time, it expanded into commercial lending, consumer lending, and other financial services, facing significant challenges in recent years due to changes in the transportation industry.
Core Business Areas
- Commercial Lending: Providing financing to small and medium-sized businesses across various industries.
- Consumer Lending: Offering loans and other financial products to consumers, including recreational vehicle and marine lending.
Leadership and Structure
The leadership team includes Alvin Murstein (CEO), and focuses on strategic initiatives and financial management. The organizational structure comprises various departments responsible for lending, finance, compliance, and operations.
Top Products and Market Share
Key Offerings
- Small Business Loans: Loans to small and medium-sized businesses for various purposes. Market share data is difficult to pinpoint due to the fragmented nature of the small business lending market. Competitors include traditional banks (JPM, BAC), online lenders (SOFI, LC), and other specialty finance companies.
- Recreational Vehicle & Marine Lending: Financing for recreational vehicles and boats. Market share is not readily available. Competitors include banks and credit unions specializing in RV and marine loans.
Market Dynamics
Industry Overview
The commercial lending industry is competitive, with varying interest rates and a growing number of FinTech lenders. The recreational vehicle and marine lending market is sensitive to economic conditions and consumer confidence.
Positioning
Medallion Financial Corp. operates as a specialty finance company focusing on specific lending niches. Its competitive advantage lies in its expertise in these niches and willingness to lend to borrowers underserved by traditional banks.
Total Addressable Market (TAM)
The TAM for small business lending and RV/Marine lending is estimated to be several hundred billion dollars. Medallion Financial Corp. occupies a small segment of this TAM, facing competition from larger institutions.
Upturn SWOT Analysis
Strengths
- Specialized lending expertise
- Experience in niche markets
- Established relationships with borrowers
- Diversified lending portfolio
Weaknesses
- High leverage
- Exposure to economic downturns
- Past regulatory issues
- Limited capital resources
Opportunities
- Expanding into new lending verticals
- Leveraging technology for loan origination and servicing
- Partnering with other financial institutions
- Capturing underserved market segments
Threats
- Increased competition from FinTech lenders
- Rising interest rates
- Economic recession
- Changes in regulations
Competitors and Market Share
Key Competitors
- LC
- SOFI
- JPM
- BAC
Competitive Landscape
Medallion Financial Corp. faces strong competition from larger financial institutions and FinTech companies. Its competitive advantage lies in specialized niches and its focus on underserved borrowers.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Medallion Financial Corp. has experienced periods of growth and decline, impacted by regulatory issues and market changes.
Future Projections: Analyst projections vary depending on the company's ability to execute its strategic initiatives and navigate economic conditions.
Recent Initiatives: Focusing on commercial lending, improving asset quality, and reducing operating expenses.
Summary
Medallion Financial Corp. faces significant challenges but also possesses expertise in specific lending areas. Its financial performance has been volatile, and its future depends on navigating the evolving lending landscape and improving profitability. The company needs to effectively manage its debt and leverage its specialized knowledge to compete with larger institutions and FinTech lenders. Regulatory oversight and economic conditions pose ongoing risks.
Similar Companies
ALLY
Ally Financial Inc
ALLY
Ally Financial Inc
LC
LendingClub Corp
LC
LendingClub Corp
OMF
OneMain Holdings Inc
OMF
OneMain Holdings Inc
SOFI
SoFi Technologies Inc.
SOFI
SoFi Technologies Inc.
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Articles
- Analyst Reports (where available)
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions can change rapidly, and investors should conduct their own due diligence before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Medallion Financial Corp
Exchange NASDAQ | Headquaters New York, NY, United States | ||
IPO Launch date 1996-05-23 | Chairman & CEO Mr. Alvin Murstein | ||
Sector Financial Services | Industry Credit Services | Full time employees 174 | Website https://www.medallion.com |
Full time employees 174 | Website https://www.medallion.com | ||
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 Loans, Taxi Medallion Lending, and Strategic Partnership Loans. The company offers loans that finance consumer purchases of recreational vehicles, boats, collector cars, 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. The company was incorporated in 1995 and is headquartered in New York City, New York.
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