Yahoo Finance report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
Why MFIN Stock dropped -13.53% Today — RQD Quant Desk Flash
Medallion Financial Corp. (MFIN) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is MFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Medallion Financial Corp. (NASDAQ: MFIN) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $10.10 (-13.53% 1D, market cap $268.2M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, MFIN ranks #422 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does MFIN compare to XYF and USDE in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), MFIN carries a Roarable C- (61/100 RQD), trailing P/E of 6.2x, gross margin of —, and ROIC of 10.5%. By comparison, XYF (X Financial each representing six (Class A)) holds a D+ grade (55/100 RQD, P/E N/A, ROIC 18.8%, cap $267.9M) and USDE (StablecoinX Inc. (Class A)) posts a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $268.6M). Among the 5-stock peer group, MFIN leads on earnings multiple (6.2x) while XYF leads on capital efficiency (18.8% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for MFIN?
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Per MFIN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001000209), Medallion Financial Corp. generated $0 in revenue, $43.0M in net income, and $126.3M in free cash flow against $2.96B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 3.2% FCF Margin ($126.3M FCF) & 52% Gross Margin
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
Macro rate sensitivity & RSI-14 (52.8) create a -9 pt regime headwind
⚔️ Adversarial Opposing Case: Why the MFIN Bull Thesis Could Fail
Even with a 61/100 (C-) score, MFIN faces multiple-compression risk if 6.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($11.73) or 200D SMA ($10.28) invalidates the momentum regime and cuts Target Base ($10.24) toward Bear Floor ($7.99).
Why MFIN Stock dropped -13.53% Today — RQD Quant Desk Flash
Medallion Financial Corp. (MFIN) dropped -13.53% to $10.10, trading at 51% of its 52-week range ($7.85 – $12.26). Solid steady margins (11% return on capital), mixed timing at 6x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 51% of its 52-week range ($7.85 – $12.26) with RSI-14 at 52.8 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±7% around $10.10 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $126.3M annual free cash flow.
Seeking Alpha report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
Lower funding costs and disciplined credit selection are fueling asset growth toward a $5 billion target.
Ladenburg Thalmann analyst Christopher Nolan downgrades Medallion Financial (NASDAQ:MFIN) from Buy to Neutral.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (MFIN Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
MFIN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on MFIN today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for MFIN. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MFIN)
1. Head-to-Head Financials Peer Comparison (MFIN vs. XYF, USDE, SVIA, RWAY)
Industry: Finance: Consumer Services (156 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Medallion Financial Corp. (MFIN) ranks #422 by composite RQD confidence (61/100, grade C-) and #837 by equity capitalization ($268.2M). Within this direct 5-issuer industry benchmark cohort, MFIN leads on earnings valuation at 6.2x trailing P/E, while XYF leads on capital efficiency and profitability with 18.8% ROIC and — gross margin. MFIN currently leads its immediate peer cohort in composite quantitative strength at 61/100 (C-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| MFIN
ACTIVE
Medallion Financial Corp. | C- | 61/100 | 6.2x | — | 10.5% | -13.53% | $268.2M | Benchmark Subject |
| XYF X Financial each representing six (Class A) | D+ | 55/100 | — | — | 18.8% | -2.66% | $267.9M | /xyf-vs-mfin → |
| USDE StablecoinX Inc. (Class A) | D+ | 54/100 | — | — | — | -14.68% | $268.6M | /usde-vs-mfin → |
| SVIA Silvia Inc. | D | 51/100 | — | — | — | -10.91% | $267.3M | /svia-vs-mfin → |
| RWAY Runway Growth Finance Corp. | D+ | 54/100 | 8.1x | — | 7.0% | -1.21% | $276.6M | /rway-vs-mfin → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001000209In its most recent audited fiscal period (FY2025, filed 2025-12-31), Medallion Financial Corp. (MFIN) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $43.0M, operating cash flow of $126.3M, and free cash flow of $126.3M (+16.2% YoY). On the balance sheet, MFIN closed FY2025 with $2.96B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $43.0M | $126.3M | $126.3M | $2.96B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $35.9M | $108.7M | $108.7M | $2.87B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $55.1M | $113.8M | $113.8M | — | — |
3. MFIN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs MFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Medallion Financial Corp. (NASDAQ: MFIN) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $10.10 (-13.53% 1D, market cap $268.2M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, MFIN ranks #422 in composite RQD confidence.
How does MFIN compare to XYF and USDE in the Financials sector?
Within the Financials sector (Finance: Consumer Services), MFIN carries a Roarable C- (61/100 RQD), trailing P/E of 6.2x, gross margin of —, and ROIC of 10.5%. By comparison, XYF (X Financial each representing six (Class A)) holds a D+ grade (55/100 RQD, P/E N/A, ROIC 18.8%, cap $267.9M) and USDE (StablecoinX Inc. (Class A)) posts a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $268.6M). Among the 5-stock peer group, MFIN leads on earnings multiple (6.2x) while XYF leads on capital efficiency (18.8% ROIC).
What are the biggest fundamental strengths and SEC risk factors for MFIN?
Per MFIN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001000209), Medallion Financial Corp. generated $0 in revenue, $43.0M in net income, and $126.3M in free cash flow against $2.96B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is MFIN trading relative to its 50-day, 200-day, and 52-week technical levels?
MFIN last traded at $10.10 (-13.53% on volume of 64,958 shares), positioning the stock -13.90% below its 50-day simple moving average ($11.73) and -1.75% below its 200-day simple moving average ($10.28). Across its 52-week range of $7.85 to $12.26, MFIN sits at the 51.0% percentile with a 14-day RSI of 52.8 (NEUTRAL RANGE) and an implied next-earnings move of ±7.0% ($9.39 to $10.81).
MFIN Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is MFIN stock moving today?
Why MFIN Stock dropped -13.53% Today — RQD Quant Desk Flash. Solid steady margins (11% return on capital), mixed timing at 6x P/E—hold if owned, no rush to chase.
MFIN — Medallion Financial Corp.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
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.
Business
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.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $43.0M | N/A | $126.3M | $136.3M | N/A |
| FY 2024 | $0.0M | $0.0M | $35.9M | N/A | $108.7M | $98.2M | N/A |
| FY 2023 | $0.0M | $0.0M | $55.1M | N/A | $113.8M | N/A | N/A |
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%.
Recent Catalysts & News Wire Analysis
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.
Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples
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.
Open Questions
- 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?
MFIN Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Medallion Financial Corp. (MFIN) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Medallion Financial Corp. (MFIN) market action, institutional positioning, and fundamental catalysts.
MFIN Bull vs. Bear Conversation Board — What's Your Call at $10.10?
🔥 Official Bull vs. Bear Debate: Is MFIN (C- • RQD 61/100) a Buy at $11.68?
Welcome to the MFIN (Medallion Financial Corp.) Roar Pit. Current RQD Composite is 61/100 (Roarable Hold — Cautious Neutral) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on MFIN — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on MFIN, but look at what you are paying: 6.2x trailing P/E with tightening sector spreads. Unless Medallion Financial Corp. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
MFIN cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on MFIN, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $11.68 (52-wk range $7.85 - $12.26), any beat on forward guidance forces shorts and underweight funds to chase.