Medallion Financial Corp
NASDAQ:MFIN
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Medallion Financial Corp
NASDAQ:MFIN
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Medallion Financial Corp
Medallion Financial Corp. is a bank holding company, which through its subsidiaries, engages in the provision of consumer loans, raises deposits, and other banking activities. The company is headquartered in New York City, New York and currently employs 136 full-time employees. The firm provides loans to individuals and small to mid-size businesses, through its subsidiaries, in four segments. Its segments include Recreation Lending, which is focused on a high-growth prime and non-prime consumer finance business; Home Improvement Lending, which works with contractors and financial service providers to finance home improvements and is concentrated in roofs, swimming pools and windows; Commercial Lending, which is focused on business that has concentrations in manufacturing and administrative, wholesale trade and support services, and Medallion Lending, which operates mainly in the New York City, Newark, and Chicago markets that are engaged in owning, managing, and financing taxi fleets, taxi medallions and corporate car services. The Company’s subsidiaries include Medallion Capital, Inc., Medallion Funding LLC and Freshstart Venture Capital Corp.
Medallion Financial Corp. is a bank holding company, which through its subsidiaries, engages in the provision of consumer loans, raises deposits, and other banking activities. The company is headquartered in New York City, New York and currently employs 136 full-time employees. The firm provides loans to individuals and small to mid-size businesses, through its subsidiaries, in four segments. Its segments include Recreation Lending, which is focused on a high-growth prime and non-prime consumer finance business; Home Improvement Lending, which works with contractors and financial service providers to finance home improvements and is concentrated in roofs, swimming pools and windows; Commercial Lending, which is focused on business that has concentrations in manufacturing and administrative, wholesale trade and support services, and Medallion Lending, which operates mainly in the New York City, Newark, and Chicago markets that are engaged in owning, managing, and financing taxi fleets, taxi medallions and corporate car services. The Company’s subsidiaries include Medallion Capital, Inc., Medallion Funding LLC and Freshstart Venture Capital Corp.
Record Year: Medallion Financial delivered record results in 2025, with increases in net interest income, net income, and total loans compared to last year.
Loan Growth: The total loan portfolio reached $2.567 billion, with notable strength in recreation and commercial lending segments.
Home Improvement Focus: Management highlighted renewed focus and talent additions to accelerate growth in the home improvement loan segment, targeting mid-teens growth.
Credit Performance: Credit metrics remained solid, though provision for credit losses rose in Q4 due to portfolio growth, accounting changes, and higher commercial provisions.
Margins & Pricing: Net interest margin improved year-over-year to 8.04% in Q4, but may decline slightly in 2026 as loan pricing is adjusted to improve credit performance.
Strategic Partnerships: Origination volume in the strategic partnership program hit a record $258.3 million this quarter, more than doubling from the prior year.
Shareholder Returns: The company maintained its $0.12 per share quarterly dividend and continued share buybacks.
2026 Outlook: Management expects continued disciplined growth, consistent returns, and sees no imminent M&A but remains open if a highly attractive offer emerges.
