COMP <GO>
MFIN vs CPSS // ALTMAN Z-SCORE & DEBT/EQUITY
Medallion Financial Corp. (NASDAQ) VS. Consumer Portfolio Services Inc. (NASDAQ) • 15-METRIC TALLY: MFIN 4
— CPSS 2
■ METRIC PARITY
LAST: $10.02 (-0.79%) • MKT CAP: $231.9M
balance-sheet
—
LAST: $10.01 (-1.18%) • MKT CAP: $221.9M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (MFIN VS. CPSS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | MFIN | CPSS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.50% | 6.20% | +4.30 | MFIN | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 4.40% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 10.40% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.09% | 0.00% | +4.09 | MFIN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | CPSS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 38.5 | 62.1 | -23.60 | CPSS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 5.8x | 10.5x | -4.70 | MFIN | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $231.9M | $221.9M | $10.0M | MFIN | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | MFIN REV | CPSS REV | MFIN GROSS % | CPSS GROSS % | MFIN FCF | CPSS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.24B | $434.5M | — | — | $126.3M | $288.3M |
| FY 2024 | $1.20B | $393.5M | — | — | $108.7M | $233.3M |
| FY 2023 | $432.4M | $352.0M | — | — | $113.8M | $238.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
MFIN // BETA —
CPSS // BETA —