Consumer Portfolio Services vs Medallion Financial
Consumer Portfolio Services is the larger business, with $434m of revenue in fiscal 2025 against $255m for Medallion Financial (1.7 times as much). Medallion Financial grew faster (19.2% against 10.4%). Medallion Financial kept more of each dollar of sales as profit: a net margin of 16.9% against 4.4%.
| Latest fiscal year | Consumer Portfolio ServicesCPSS, 2025 | Medallion FinancialMFIN, 2025 |
|---|---|---|
| Revenue | $434m | $255m |
| Revenue growth | 10.4% | 19.2% |
| Net income | $19.3m | $43.0m |
| Operating margin | — | — |
| Net margin | 4.4% | 16.9% |
| Return on equity | 12.5% | 11.1% |
| Free cash flow | $288m | — |
| Cash | $6.3m | $136m |
| Total debt | $3.31bn | $2.40bn |
| Debt to equity | 1069.6% | — |
| Dividend per share | — | — |
| Dividend yield | — | 5.1% |
| Share buybacks | $8.7m | $986,000 |
| Employees | 928 | — |
| Market value | $217m | $234m |
| Price vs our value range | — | — |
| Moat score | 44 (Weak) | 46 (Moderate) |
| Insider trades, 12 months | 0 buys, 8 sales | 0 buys, 0 sales |