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Medallion Financial Corp key statistics and ratios

In fiscal 2025, Medallion Financial Corp had return on equity of 11.1% and a net margin of 16.9%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin−21.9%−1.5%−33.2%33.9%25.8%27.6%16.8%16.9%13.1%
Return on equity−9.5%−0.7%−14.1%20.9%14.9%17.1%10.1%11.1%7.9%
Return on assets−1.8%−0.1%−2.2%3.1%2.1%2.3%1.3%1.5%1.1%
Effective tax rate—14.6%—29.6%26.5%29.0%33.4%30.7%31.8%
Dividends ÷ net income———0.0%17.2%14.0%26.2%25.5%36.3%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

46 /100

Moderate moat

How hard Medallion Financial's competitive advantage looks for rivals to wear away, judged from 9 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median 1.0% of total assets over 9 years.

  • Durability 4 / 20

    Net margin has been a median 15.4%; its worst year was -11.6%.

  • Cash conversion 20 / 20

    Free cash flow was positive in 8 of 8 years, at a median 57.1% of revenue.

  • Discipline 17 / 20

    The diluted share count fell 1.2% over five years; stock-based pay has been a median 2.0% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (52 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

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Figures from Medallion Financial Corp's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Medallion Financial Corp.