Medallion Financial Corp. (MFIN) 12-Month Stock Forecast & Price Target Cone

Per the Roarable RQD rating, MFIN scores 61 out of 100, earning a letter grade of C- and the verdict "Roarable Hold — Cautious Neutral." The Fundamental Cash Engine pillar scores 13 of 20, with ROIC of 10.5% and FCF yield of 0%. The Whale 13F Flow pillar scores 11 of 20, reflecting institutional accumulation and options positioning. The Insider Conviction pillar scores 13 of 20, based on SEC Form 4 and Congressional PTR cluster flow. The Macro Regime Fit pillar scores 11 of 20, with Beta of 1.0 and sector sensitivity. The Forensic Balance Sheet pillar scores 13 of 20, with Altman Z of 2.5, Piotroski F of 5/9, and Debt/Equity of 0.5.

For a prospective investor, the rating indicates a mixed profile rather than a clear directional signal. Per the RQD rating, the strongest pillars are the cash engine and balance-sheet forensics, each at 13 of 20, while flow and macro-fit pillars sit at 11 of 20. The 0% FCF yield in the cash-engine pillar is a notable valuation tradeoff against the reported ROIC of 10.5%. Upside drivers cited in the source data are limited to the ROIC figure and the reported Dividend Yield; the rating itself does not translate these into a price forecast.

Per the company profile, Medallion Financial Corp. is a NASDAQ-listed issuer in the Financials sector, Finance: Consumer Services industry. Source data does not describe its products, customers, or revenue model. Per the profile, the company's market capitalization is $0.3B.

Per the SEC financials, net income moved from $55.1M in FY 2023 to $35.9M in FY 2024 and then to $43.0M in FY 2025. Reported revenue and operating income are $0.0M in each period. Per the market data, gross, operating, and net margins are each 0%, and FCF yield is 0%. Per the RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 5/9, and Debt/Equity is 0.5; the RQD rating and market data report ROIC of 10.5%.

Per the news feed, six items reference MFIN. Headlines cover the Q3 earnings call, the Q3 2026 earnings call presentation dated 2026-10-30, a GuruFocus report that shares fell 3.5%, the Q3 2026 earnings call transcript, a ZimCal Asset Management conclusion of a five-year MFIN investment under a negotiated agreement, and a Simply Wall St report that the stock tumbled as Q3 results squeezed profit margins. Items are tagged YELLOW (five) or RED (one, labeled RISK WATCH). The RED-tagged item is the GuruFocus share-decline report. Per the Butterfly Supply-Chain Graph, no proprietary signals are present.

Per the Butterfly Supply-Chain Graph, supply chain is NONE, with no butterfly links and no proprietary signals. Sector is Financials and industry is Finance: Consumer Services. No upstream or downstream dependencies, sector correlations, or second-order bottlenecks are identified in the source data.

• What are the company's revenue and operating income, given that the reported figures are $0.0M across all periods?
• What explains the gap between the 0% FCF yield in the market data and the $126.3M FCF reported for FY 2025?
• What do the Q3 2026 earnings call materials say about the margin pressure described in the Simply Wall St headline?
• What is the debt balance, given that debt is N/A in every reported period?
• What is the EV/EBITDA, and what would it reveal about valuation given the 6.2 trailing P/E?