Financial Snapshot

Revenue
$214.2M
TTM
Gross Margin
Net Earnings
$40.05M
TTM
Current Assets
Current Liabilities
$88.11M
Q3 2024
Current Ratio
Total Assets
$2.880B
Q3 2024
Total Liabilities
$2.518B
Q3 2024
Book Value
$362.4M
Q3 2024
Cash
Q3 2024
P/E
5.517
Nov 29, 2024 EST
Free Cash Flow

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Revenue $251.0M $196.6M $159.0M $145.0M $132.6M $100.8M -$0.60 -$0.81 -$0.60
YoY Change 27.68% 23.69% 9.66% 9.35% 31.46% -25.93% 35.0%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Revenue $251.0M $196.6M $159.0M $145.0M $132.6M $100.8M -$0.60 -$0.81 -$0.60
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

Operating Profits/Loss

No data

Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $244.0K $257.0K
YoY Change -5.06%
% of Gross Profit
Depreciation & Amortization $5.243M $5.229M $6.519M $7.714M $7.499M $5.564M $1.020M $490.0K $420.0K $480.0K $1.100M $1.220M $1.320M $1.420M $1.720M $1.470M $1.420M $1.050M $580.0K $590.0K $640.0K $600.0K $1.260M $1.160M $530.0K $180.0K -$270.0K
YoY Change 0.27% -19.79% -15.49% 2.87% 34.78% 445.49% 108.16% 16.67% -12.5% -56.36% -9.84% -7.58% -7.04% -17.44% 17.01% 3.52% 35.24% 81.03% -1.69% -7.81% 6.67% -52.38% 8.62% 118.87% 194.44% -166.67%
% of Gross Profit
Operating Expenses $4.211M $5.249M $6.044M $6.005M
YoY Change -19.78% -13.15% 0.65%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Interest Expense $62.95M $36.19M $31.14M $34.15M $35.05M $28.37M
YoY Change 73.96% 16.2% -8.82% -2.55% 23.54%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Pretax Income $86.04M $67.85M $81.87M -$36.98M $2.337M -$10.72M -$35.90M $82.10M $38.80M $37.20M $34.10M $35.40M $19.20M $11.30M $1.000M $15.20M $15.40M $13.10M $6.800M $22.80M $2.100M -$12.50M -$4.100M $7.400M $21.10M $16.50M $13.50M $5.600M
YoY Change 26.8% -17.13% -321.39% -1682.41% -121.8% -70.13% -143.73% 111.6% 4.3% 9.09% -3.67% 84.38% 69.91% 1030.0% -93.42% -1.3% 17.56% 92.65% -70.18% 985.71% -116.8% 204.88% -155.41% -64.93% 27.88% 22.22% 141.07%
Income Tax $24.91M $17.96M $24.22M -$10.07M $341.0K $69.00K -$36.23M -$45.90M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $300.0K $0.00 $100.0K $0.00 -$200.0K $0.00 -$200.0K $900.0K $400.0K
% Of Pretax Income 28.95% 26.47% 29.58% 14.59% -55.91% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 1.32% 0.0% -2.7% 0.0% -1.21% 6.67% 7.14%
Net Earnings $55.08M $43.84M $54.11M -$34.78M -$1.762M -$25.05M $300.0K $36.20M $38.80M $37.20M $34.10M $35.40M $19.20M $11.30M $1.000M $15.20M $15.40M $13.10M $6.900M $22.50M $2.000M -$12.60M -$4.100M $7.500M $21.10M $16.60M $12.50M $5.200M
YoY Change 25.64% -18.98% -255.56% 1874.06% -92.96% -8448.67% -99.17% -6.7% 4.3% 9.09% -3.67% 84.38% 69.91% 1030.0% -93.42% -1.3% 17.56% 89.86% -69.33% 1025.0% -115.87% 207.32% -154.67% -64.45% 27.11% 32.8% 140.38%
Net Earnings / Revenue 21.94% 22.3% 34.04% -23.99% -1.33% -24.84%
Basic Earnings Per Share $2.45 $1.86 $2.20 -$1.42 -$0.07 -$1.03 $0.01 $0.97
Diluted Earnings Per Share $2.37 $1.83 $2.17 -$1.42 -$0.07 -$1.03 $0.01 $0.97 $1.590M $1.482M $1.536M $1.752M $1.085M $642.0K $56.50K $858.8K $865.2K $736.0K $392.0K $1.223M $109.3K -$692.3K -$247.0K $513.7K $1.445M $1.137M $1.016M $866.7K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $14.08M $13.17M $11.80M $12.40M $14.40M $1.200M $200.0K $300.0K $200.0K $300.0K $400.0K $600.0K $500.0K $400.0K $300.0K $400.0K $600.0K $500.0K $500.0K $1.000M $1.400M $1.600M $1.900M $2.100M $2.400M $1.900M $400.0K $100.0K
YoY Change 6.9% 11.59% -4.84% -13.89% 1100.0% 500.0% -33.33% 50.0% -33.33% -25.0% -33.33% 20.0% 25.0% 33.33% -25.0% -33.33% 20.0% 0.0% -50.0% -28.57% -12.5% -15.79% -9.52% -12.5% 26.32% 375.0% 300.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $65.71M $10.29M $9.700M $9.700M $10.10M $9.200M $307.4M $298.3M $164.4M $144.6M $115.1M $103.7M $90.50M $83.50M $75.30M $78.00M $62.40M $66.50M $63.50M $100.0M $8.600M $11.90M $10.30M $4.000M $6.400M $16.60M $10.20M $900.0K
YoY Change 538.41% 6.11% 0.0% -3.96% 9.78% -97.01% 3.05% 81.45% 13.69% 25.63% 10.99% 14.59% 8.38% 10.89% -3.46% 25.0% -6.17% 4.72% -36.5% 1062.79% -27.73% 15.53% 157.5% -37.5% -61.45% 62.75% 1033.33%
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $2.588B $2.260B $1.873B $1.642B $1.542B $1.382B $635.5M $689.4M $689.1M $632.3M $595.1M $543.5M $537.0M $550.3M $555.2M $646.7M $721.3M $631.6M $573.4M $709.9M $456.5M $425.3M $507.8M $560.7M $533.9M $422.2M $339.9M $189.6M
YoY Change
Accounts Payable $37.63M $25.53M $3.400M $4.700M $4.400M $3.900M $3.800M $2.900M $1.300M $2.200M $1.100M $1.200M $1.700M $1.900M $2.200M $2.000M $2.100M $1.800M $1.800M $1.800M $1.200M $5.600M $2.100M $3.900M $4.000M $2.300M $900.0K $1.100M
YoY Change 47.41% 650.74% -27.66% 6.82% 12.82% 2.63% 31.03% 123.08% -40.91% 100.0% -8.33% -29.41% -10.53% -13.64% 10.0% -4.76% 16.67% 0.0% 0.0% 50.0% -78.57% 166.67% -46.15% -2.5% 73.91% 155.56% -18.18%
Accrued Expenses $7.019M $10.65M $11.20M $13.00M $14.80M $400.0K
YoY Change -34.08% -4.94% -13.85% -12.16%
Deferred Revenue
YoY Change
Short-Term Debt $8.000M $5.000M $38.20M $55.20M
YoY Change 60.0% -30.8%
Long-Term Debt Due $0.00 $87.30M
YoY Change -100.0%
Total Short-Term Liabilities $52.64M $36.17M $24.80M $105.0M $28.90M $18.80M $4.400M $5.400M $1.300M $2.200M $1.100M $3.100M $6.000M $1.900M $2.200M $7.100M $4.200M $5.100M $4.300M $11.80M $1.200M $5.600M $3.700M $12.90M $15.10M $10.40M $11.00M $3.700M
YoY Change 45.54% 45.85% -76.38% 263.32% 53.72% 327.27% -18.52% 315.38% -40.91% 100.0% -64.52% -48.33% 215.79% -13.64% -69.01% 69.05% -17.65% 18.6% -63.56% 883.33% -78.57% 51.35% -71.32% -14.57% 45.19% -5.45% 197.3%
Long-Term Debt $235.5M $214.3M $220.0M $153.7M $174.6M $158.8M $327.6M $349.1M $404.5M $348.8M $315.0M $322.8M $357.8M $380.5M $382.5M $462.7M $542.5M $455.1M $400.9M $525.9M $287.5M $250.8M $321.8M $396.1M $357.2M $260.3M $177.5M $125.8M
YoY Change 9.9% -2.58% 43.14% -11.97% 9.95% -51.53% -6.16% -13.7% 15.97% 10.73% -2.42% -9.78% -5.97% -0.52% -17.33% -14.71% 19.2% 13.52% -23.77% 82.92% 14.63% -22.06% -18.76% 10.89% 37.23% 46.65% 41.1%
Other Long-Term Liabilities $0.00 $400.0K $1.100M $1.800M $2.500M
YoY Change -100.0% -63.64% -38.89% -28.0%
Total Long-Term Liabilities $235.5M $214.3M $220.0M $153.7M $174.6M $158.8M $327.6M $349.1M $404.5M $348.8M $315.0M $322.8M $357.8M $380.5M $382.5M $462.7M $542.5M $455.1M $400.9M $525.9M $287.5M $250.8M $321.8M $396.1M $357.6M $261.4M $179.3M $128.3M
YoY Change 9.9% -2.58% 43.14% -11.97% 9.95% -51.53% -6.16% -13.7% 15.97% 10.73% -2.42% -9.78% -5.97% -0.52% -17.33% -14.71% 19.2% 13.52% -23.77% 82.92% 14.63% -22.06% -18.76% 10.77% 36.8% 45.79% 39.75%
Total Liabilities $2.245B $1.958B $1.586B $1.411B $1.279B $1.119B $348.4M $403.3M $411.0M $357.6M $321.6M $327.1M $365.5M $387.5M $392.2M $471.7M $548.8M $462.0M $407.0M $539.4M $294.4M $263.4M $332.7M $413.0M $376.6M $274.0M $191.2M $133.1M
YoY Change 14.64% 23.46% 12.4% 10.36% 14.23% 221.24% -13.61% -1.87% 14.93% 11.19% -1.68% -10.51% -5.68% -1.2% -16.85% -14.05% 18.79% 13.51% -24.55% 83.22% 11.77% -20.83% -19.44% 9.67% 37.45% 43.31% 43.65%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Basic Shares Outstanding 22.51M 23.58M 24.60M 24.45M 24.34M 24.21M 23.92M 24.12M shares
Diluted Shares Outstanding 23.25M 23.93M 24.94M 24.45M 24.34M 24.21M 24.05M 24.17M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

No data

Dividends

Dividends

No data

Stock Price

Market Cap: $220.99 Million

About MEDALLION FINANCIAL CORP

Medallion Financial Corp. is a finance company that originates and services consumer loans and loans in various commercial industries. The company is headquartered in New York City, New York and currently employs 169 full-time employees. The firm provides loans to individuals and small to mid-size businesses, through its subsidiaries. The firm operates through four segments: loans that finance consumer purchases of recreational vehicles, boats, and other consumer recreational equipment; loans that finance consumer home improvements; loans that finance commercial businesses; and historically, loans that finance taxi medallions. The firm's wholly owned subsidiaries include Medallion Bank (the Bank), Medallion Capital, Inc., Medallion Funding LLC, and Freshstart Venture Capital Corp. The Bank is a federal deposit insurance corporation (FDIC), which insured industrial bank that originates consumer loans, raises deposits, and conducts other banking activities. Medallion Capital, Inc. is a small business investment company (SBIC), which conducts a mezzanine financing business.

Industry: Finance Services Peers: AMERICAN EXPRESS CO CONSUMER PORTFOLIO SERVICES, INC. CURO Group Holdings Corp. OppFi Inc. Katapult Holdings, Inc. MONEYLION INC. OLD MARKET CAPITAL Corp Oportun Financial Corp Regional Management Corp.