Medallion Financial vs Oppfi
Oppfi is the larger business, with $381m of revenue in fiscal 2025 against $255m for Medallion Financial (1.5 times as much). Medallion Financial grew faster (19.2% against 18.6%). Medallion Financial kept more of each dollar of sales as profit: a net margin of 16.9% against 6.9%.
| Latest fiscal year | Medallion FinancialMFIN, 2025 | OppfiOPFI, 2025 |
|---|---|---|
| Revenue | $255m | $381m |
| Revenue growth | 19.2% | 18.6% |
| Net income | $43.0m | $26.3m |
| Operating margin | — | 43.7% |
| Net margin | 16.9% | 6.9% |
| Return on equity | 11.1% | 57.7% |
| Free cash flow | — | $382m |
| Cash | $136m | $49.5m |
| Total debt | $2.40bn | $0 |
| Debt to equity | — | 0.0% |
| Dividend per share | — | $0.25 |
| Dividend yield | 5.1% | — |
| Share buybacks | $986,000 | $15.5m |
| Employees | — | 410 |
| Market value | $234m | $498m |
| Price vs our value range | — | — |
| Moat score | 46 (Moderate) | 47 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |