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Medallion Financial

DB:MD5
Snowflake Description

Moderate growth potential and slightly overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
MD5
DB
$45M
Market Cap
  1. Home
  2. DE
  3. Diversified Financials
Company description

Medallion Financial Corp., through with its subsidiaries, operates as a finance company in the United States. The last earnings update was 39 days ago. More info.


Add to Portfolio Compare Print
  • Medallion Financial has significant price volatility in the past 3 months.
MD5 Share Price and Events
7 Day Returns
-29.6%
DB:MD5
6%
Europe Consumer Finance
7.3%
DE Market
1 Year Returns
-70.1%
DB:MD5
-48.3%
Europe Consumer Finance
-17.7%
DE Market
MD5 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Medallion Financial (MD5) -29.6% -65.8% -70.7% -70.1% 0.4% -
Europe Consumer Finance 6% -34.5% -40.3% -48.3% -64.4% -63.3%
DE Market 7.3% -17.9% -25.8% -17.7% -25.6% -29%
1 Year Return vs Industry and Market
  • MD5 underperformed the Consumer Finance industry which returned -48.3% over the past year.
  • MD5 underperformed the Market in Germany which returned -17.7% over the past year.
Price Volatility
MD5
Industry
5yr Volatility vs Market
Related Companies

Value

 Is Medallion Financial undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Medallion Financial to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Medallion Financial.

DB:MD5 Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $12.87 * 0.3%
$0.03
Book Value of Equity per Share Weighted future Book Value estimates from 2 analysts. $12.87
Discount Rate (Cost of Equity) See below 10.5%
Perpetual Growth Rate 10-Year DE Government Bond Rate -0.4%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for DB:MD5
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate -0.4%
Equity Risk Premium S&P Global 5.4%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.586 (1 + (1- 21%) (2622.23%))
8.849
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
2
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= -0.39% + (2 * 5.44%)
10.49%

Discounted Cash Flow Calculation for DB:MD5 using Excess Returns Model Model

The calculations below outline how an intrinsic value for Medallion Financial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

DB:MD5 Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (0.3% – 10.49%) * $12.87)
$-1.32
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-1.32 / (10.49% - -0.39%)
$-12.09
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $12.87 + $-12.09
$0.78
DB:MD5 Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in DB:MD5 represents 0.99457x of NasdaqGS:MFIN
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.99457x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (USD) x Listing Adjustment Factor
= $ 0.78 x 0.99457
€0.78
Value per share (EUR) From above. €0.78
Current discount Discount to share price of €1.83
= -1 x (€1.83 - €0.78) / €0.78
-136%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Medallion Financial is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Medallion Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Medallion Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:MD5 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in USD $0.06
NasdaqGS:MFIN Share Price ** NasdaqGS (2020-03-30) in USD $1.84
Europe Consumer Finance Industry PE Ratio Median Figure of 27 Publicly-Listed Consumer Finance Companies 5.55x
Germany Market PE Ratio Median Figure of 400 Publicly-Listed Companies 16.36x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Medallion Financial.

DB:MD5 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:MFIN Share Price ÷ EPS (both in USD)

= 1.84 ÷ 0.06

30.55x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Medallion Financial is overvalued based on earnings compared to the Europe Consumer Finance industry average.
  • Medallion Financial is overvalued based on earnings compared to the Germany market.
Price based on expected Growth
Does Medallion Financial's expected growth come at a high price?
Raw Data
DB:MD5 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 30.55x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts
87%per year
Europe Consumer Finance Industry PEG Ratio Median Figure of 19 Publicly-Listed Consumer Finance Companies 0.41x
Germany Market PEG Ratio Median Figure of 254 Publicly-Listed Companies 1.2x

*Line of best fit is calculated by linear regression .

DB:MD5 PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 30.55x ÷ 87%

0.35x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Medallion Financial is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Medallion Financial's assets?
Raw Data
DB:MD5 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in USD $10.92
NasdaqGS:MFIN Share Price * NasdaqGS (2020-03-30) in USD $1.84
Europe Consumer Finance Industry PB Ratio Median Figure of 42 Publicly-Listed Consumer Finance Companies 0.71x
Germany Market PB Ratio Median Figure of 574 Publicly-Listed Companies 1.43x
DB:MD5 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:MFIN Share Price ÷ Book Value per Share (both in USD)

= 1.84 ÷ 10.92

0.17x

* Primary Listing of Medallion Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Medallion Financial is good value based on assets compared to the Europe Consumer Finance industry average.
X
Value checks
We assess Medallion Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Medallion Financial has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Medallion Financial expected to perform in the next 1 to 3 years based on estimates from 2 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
87%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Medallion Financial expected to grow at an attractive rate?
  • Medallion Financial's earnings growth is expected to exceed the low risk savings rate of -0.4%.
Growth vs Market Checks
  • Medallion Financial's earnings growth is expected to exceed the Germany market average.
  • Medallion Financial's revenues are expected to decrease over the next 1-3 years, this is below the Germany market average.
Annual Growth Rates Comparison
Raw Data
DB:MD5 Future Growth Rates Data Sources
Data Point Source Value (per year)
DB:MD5 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts 87%
DB:MD5 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 2 Analysts -9.2%
Europe Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 13%
Europe Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 9.7%
Germany Market Earnings Growth Rate Market Cap Weighted Average 14.3%
Germany Market Revenue Growth Rate Market Cap Weighted Average 4.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
DB:MD5 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:MD5 Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 135 34 2
2020-12-31 120 21 2
2020-03-30
DB:MD5 Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-12-31 157 1
2019-09-30 148 94 8
2019-06-30 149 89 -2
2019-03-31 150 89 -9
2018-12-31 120 78 -25
2018-09-30 92 37 -31
2018-06-30 53 21 -26
2018-03-31 20 3 -16
2017-12-31 20 13 0
2017-09-30 19 19 4
2017-06-30 18 100 8
2017-03-31 20 92 18

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Medallion Financial's earnings are expected to grow significantly at over 20% yearly.
  • Medallion Financial's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
DB:MD5 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below

All data from Medallion Financial Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:MD5 Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 1.35 1.49 1.20 2.00
2020-12-31 0.87 1.05 0.62 3.00
2020-03-30
DB:MD5 Past Financials Data
Date (Data in USD Millions) EPS *
2019-12-31 0.06
2019-09-30 0.32
2019-06-30 -0.07
2019-03-31 -0.37
2018-12-31 -1.03
2018-09-30 -1.28
2018-06-30 -1.06
2018-03-31 -0.65
2017-12-31 0.01
2017-09-30 0.17
2017-06-30 0.35
2017-03-31 0.74

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Medallion Financial is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Medallion Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Medallion Financial has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Medallion Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Medallion Financial's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Medallion Financial's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
  • Medallion Financial has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
  • Medallion Financial has become profitable in the last year making it difficult to compare the Europe Consumer Finance industry average.
Earnings and Revenue History
Medallion Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Medallion Financial Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:MD5 Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 157.33 1.47 44.26
2019-09-30 148.31 7.88 52.30
2019-06-30 148.54 -1.80 52.91
2019-03-31 150.49 -8.94 51.39
2018-12-31 119.71 -25.05 44.91
2018-09-30 91.67 -30.87 32.94
2018-06-30 53.39 -25.56 22.42
2018-03-31 19.57 -15.71 13.70
2017-12-31 19.73 0.28 12.26
2017-09-30 18.77 3.99 13.13
2017-06-30 18.46 8.41 14.31
2017-03-31 20.50 17.78 15.21
2016-12-31 25.50 23.52 16.14
2016-09-30 29.43 23.37 16.21
2016-06-30 34.88 25.64 15.71
2016-03-31 39.98 29.16 16.18
2015-12-31 42.78 29.38 16.51
2015-09-30 44.33 30.59 18.86
2015-06-30 45.05 29.98 18.76
2015-03-31 44.05 28.99 18.60
2014-12-31 41.39 28.69 17.61
2014-09-30 40.32 27.22 16.13
2014-06-30 38.37 26.93 15.34
2014-03-31 36.03 26.07 15.27
2013-12-31 35.33 25.78 15.49
2013-09-30 34.70 25.64 14.08
2013-06-30 32.42 25.86 14.61
2013-03-31 32.74 25.52 14.19

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Medallion Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Medallion Financial used its assets less efficiently than the Europe Consumer Finance industry average last year based on Return on Assets.
  • Medallion Financial has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Medallion Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Medallion Financial has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Medallion Financial's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Medallion Financial's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Medallion Financial is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Medallion Financial's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Medallion Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Medallion Financial Company Filings, last reported 2 months ago.

DB:MD5 Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 337.70 1,164.49 67.82
2019-09-30 292.79 1,187.12 55.02
2019-06-30 285.50 1,155.34 72.15
2019-03-31 291.84 1,098.72 86.12
2018-12-31 290.20 1,062.03 57.71
2018-09-30 280.42 1,265.07 143.56
2018-06-30 284.92 1,226.34 35.58
2018-03-31 272.44 320.66 10.96
2017-12-31 287.16 327.62 12.69
2017-09-30 283.58 330.14 11.43
2017-06-30 282.74 333.12 14.28
2017-03-31 287.34 338.17 17.80
2016-12-31 286.10 349.07 13.12
2016-09-30 280.78 352.20 16.87
2016-06-30 277.65 446.72 31.82
2016-03-31 279.07 418.68 22.85
2015-12-31 278.09 404.54 23.08
2015-09-30 276.92 377.93 29.12
2015-06-30 276.98 360.97 49.10
2015-03-31 276.02 353.34 56.25
2014-12-31 274.67 348.80 45.18
2014-09-30 278.03 335.81 58.26
2014-06-30 276.99 328.45 31.51
2014-03-31 275.06 315.98 33.57
2013-12-31 273.50 314.96 52.17
2013-09-30 225.86 338.37 35.01
2013-06-30 223.34 342.70 41.46
2013-03-31 220.08 319.64 21.41
  • Medallion Financial's level of debt (344.3%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (127% vs 344.3% today).
  • Debt is not well covered by operating cash flow (8.1%, less than 20% of total debt).
  • Interest payments on debt are not well covered by earnings (EBIT is 1.2x annual interest expense, ideally 3x coverage).
X
Financial health checks
We assess Medallion Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Medallion Financial has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Medallion Financial's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Medallion Financial dividends.
If you bought €2,000 of Medallion Financial shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Medallion Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Medallion Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
DB:MD5 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
Europe Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 21 Stocks 6.8%
Germany Market Average Dividend Yield Market Cap Weighted Average of 323 Stocks 3.9%
Germany Minimum Threshold Dividend Yield 10th Percentile 1%
Germany Bottom 25% Dividend Yield 25th Percentile 1.7%
Germany Top 25% Dividend Yield 75th Percentile 5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

DB:MD5 Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-12-31
2020-12-31
2020-03-30
DB:MD5 Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2018-11-13 0.000 0.000
2018-08-14 0.000 0.000
2018-08-13 0.000 0.000
2018-05-15 0.000 0.000
2018-05-14 0.000 0.000
2018-03-14 0.000 0.000
2018-03-01 0.000 0.000
2017-11-09 0.000 0.000
2017-11-07 0.000 0.000
2017-08-09 0.000 0.000
2017-05-10 0.000 0.000
2017-05-09 0.000 0.000
2017-03-14 0.000 0.000
2017-03-07 0.000 0.000
2016-11-10 0.200 7.264
2016-11-07 0.200 5.016
2016-08-09 0.200 4.686
2016-08-02 0.200 3.344
2016-05-12 1.000 13.228
2016-05-10 1.000 12.850
2016-03-07 1.000 11.734
2016-02-17 1.000 12.873
2015-11-09 1.000 14.217
2015-11-04 1.000 11.651
2015-08-10 1.000 12.927
2015-08-04 1.000 11.744
2015-05-07 1.000 10.910
2015-04-29 1.000 9.422
2015-03-11 0.960 9.541
2015-02-17 0.960 9.214
2014-11-03 0.960 9.434
2014-08-08 0.960 8.102
2014-05-06 0.960 7.775
2014-02-18 0.920 6.718
2013-11-04 0.920 6.191
2013-08-05 0.880 5.957
2013-05-08 0.880 6.000
2013-05-06 0.880 5.942
2013-03-13 0.880 6.456
2013-03-06 0.880 6.649
2012-11-05 0.840 6.893
2012-08-01 0.840 7.145
2012-05-02 0.840 7.807
2012-03-07 0.800 7.267
2011-11-02 0.760 6.741
2011-03-10 0.610 6.501
2010-11-04 0.600 7.266
2010-08-04 0.600 7.970
2010-05-07 0.600 8.432
2010-03-05 0.600 7.460
2009-11-05 0.760 9.377
2009-08-10 0.760 9.329
2009-05-08 0.760 10.336

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Medallion Financial has not reported any payouts.
  • Unable to verify if Medallion Financial's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Medallion Financial's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Medallion Financial has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Medallion Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Medallion Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Medallion Financial has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Medallion Financial's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Alvin Murstein
COMPENSATION $1,329,620
AGE 84
TENURE AS CEO 24 years
CEO Bio

Mr. Alvin Murstein has been the Chairman of Medallion Financial Corp. since 1995 and has been its Chief Executive Officer since February 1996. Mr. Murstein has also been the Chairman, President and Chief Executive Officer of Medallion Funding Corp. (alternate name Medallion Financial Funding Corp.), a subsidiary of Medallion Financial Corp., since its founding in 1979. He has been an Executive in the Taxicab industry for over 60 years. He served as the President, Chief Executive Officer and Chairman of Tri-Magna Corporation, the parent corporation of Medallion Funding Corp., from 1989 to May 1996. He has been a Director of Medallion Financial Corp., since its founding in 1995 and Medallion Funding Corp. since 1979. He served on the Board of Directors of The Strober Organization, Inc. from 1988 to 1997. He holds a B.A. and an M.B.A. from New York University.

CEO Compensation
  • Alvin's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Alvin's remuneration is higher than average for companies of similar size in Germany.
Management Team Tenure

Average tenure and age of the Medallion Financial management team in years:

11.6
Average Tenure
65.5
Average Age
  • The average tenure for the Medallion Financial management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Alvin Murstein

TITLE
Chairman & CEO
COMPENSATION
$1M
AGE
84
TENURE
24 yrs

Andrew Murstein

TITLE
President
COMPENSATION
$3M
AGE
55
TENURE
25.2 yrs

Larry Hall

TITLE
Senior VP & CFO
COMPENSATION
$605K
AGE
65
TENURE
16 yrs

Don Poulton

TITLE
CEO & President of Medallion Bank
COMPENSATION
$667K
AGE
66
TENURE
4.8 yrs

Stephen Lewis

TITLE
Senior Vice President of Medallion Capital
COMPENSATION
$495K
AGE
70
TENURE
22.2 yrs

Marisa Silverman

TITLE
Chief Compliance Officer
AGE
40
TENURE
5 yrs

William Osborn

TITLE
Senior Vice President

Thomas Munson

TITLE
Executive VP & Chief Credit Officer
AGE
36
TENURE
2.9 yrs

Dean Pickerell

TITLE
Acting President & Executive VP of Medallion Capital
COMPENSATION
$500K
AGE
71
TENURE
7.2 yrs

Anthony Cutrone

TITLE
Assistant Controller
Board of Directors Tenure

Average tenure and age of the Medallion Financial board of directors in years:

16.8
Average Tenure
78
Average Age
  • The average tenure for the Medallion Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Alvin Murstein

TITLE
Chairman & CEO
COMPENSATION
$1M
AGE
84
TENURE
25.2 yrs

Andrew Murstein

TITLE
President
COMPENSATION
$3M
AGE
55
TENURE
22.4 yrs

John Everets

TITLE
Independent Director
COMPENSATION
$111K
AGE
72
TENURE
2.7 yrs

Allan Tanenbaum

TITLE
Independent Director
COMPENSATION
$92K
AGE
72
TENURE
2.4 yrs

David Rudnick

TITLE
Non-Independent Director
COMPENSATION
$118K
AGE
78
TENURE
24 yrs

Frederick Menowitz

TITLE
Independent Director
COMPENSATION
$98K
AGE
82
TENURE
16.8 yrs

Hank Aaron

TITLE
Independent Director
COMPENSATION
$85K
AGE
85
TENURE
15.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
13. Aug 19 Buy Donald Poulton Individual 12. Aug 19 12. Aug 19 2,200 €4.08 €8,971
12. Aug 19 Buy Alvin Murstein Individual 08. Aug 19 08. Aug 19 10,000 €4.23 €42,276
12. Aug 19 Buy David Rudnick Individual 08. Aug 19 08. Aug 19 5,000 €4.24 €21,200
12. Aug 19 Buy Henry Aaron Individual 08. Aug 19 08. Aug 19 10,000 €4.21 €42,123
12. Aug 19 Buy Allan Tanenbaum Individual 08. Aug 19 08. Aug 19 10,000 €4.22 €42,247
17. May 19 Sell Thomas Munson Individual 17. May 19 17. May 19 -4,248 €6.58 €-27,930
X
Management checks
We assess Medallion Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Medallion Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Medallion Financial Corp., through with its subsidiaries, operates as a finance company in the United States. It originates, acquires, and services loans that finance taxicab medallions and various types of commercial businesses. The company offers consumer loans for the purchase of recreational vehicles, boats, motorcycles, and trailers, as well as to finance small scale home improvements; and commercial loans for the purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business. It also provides secured mezzanine loans to businesses in various industries; other secured commercial loans; and other debt, mezzanine, and equity investment capital to companies in various industries. In addition, the company raises deposits and conducts other banking activities. Medallion Financial Corp. was founded in 1995 and is headquartered in New York City, New York.

Details
Name: Medallion Financial Corp.
MD5
Exchange: DB
Founded: 1995
$40,691,971
24,398,943
Website: http://www.medallion.com
Address: Medallion Financial Corp.
437 Madison Avenue,
38th Floor,
New York City,
New York, 10022,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS MFIN Common Shares Nasdaq Global Select US USD 23. May 1996
DB MD5 Common Shares Deutsche Boerse AG DE EUR 23. May 1996
NasdaqGS MFIN.L NT Nasdaq Global Select US USD 25. Apr 2016
Number of employees
Current staff
Staff numbers
177
Medallion Financial employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/03/30 23:04
End of day share price update: 2020/03/30 00:00
Last estimates confirmation: 2020/02/24
Last earnings filing: 2020/02/20
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.