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Stock Ratings / Financials / MFIN / dividends
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Medallion Financial Corp. (MFIN) Dividend Safety Gauge & 10-Year DRIP Compounder

$10.02 -0.79% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.99

Medallion Financial Corp. (MFIN) carries a Roarable Rating of D+ (Sell) with 52/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $231.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Medallion Financial Corp. (NASDAQ: MFIN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $10.02 (-0.79% 1D, market cap $231.9M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, MFIN ranks #600 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MFIN compare to ONIT and USDE in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), MFIN carries a Roarable D+ (52/100 RQD), trailing P/E of 6.2x, gross margin of —, and ROIC of 10.5%. By comparison, ONIT (Onity Group Inc.) holds a D- grade (40/100 RQD, P/E N/A, ROIC 30.2%, cap $229.9M) and USDE (StablecoinX Inc. (Class A)) posts a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $229.2M). Among the 5-stock peer group, MFIN leads on earnings multiple (6.2x) while ONIT leads on capital efficiency (30.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MFIN?
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Per MFIN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001000209), Medallion Financial Corp. generated $1.24B in revenue (+3.0% YoY), $43.0M in net income, and $126.3M in free cash flow against $2.96B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $9.99 (-0.33%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 10.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY • 50.1% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510052
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D
Cash (13)Whales (6)SEC (13)Macro (7)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-2.7% Base Target
$13 Bull$10 Base$8 Bear
📬 FREE MFIN RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MFIN)Realized 20D OHLCV Swing Band: ±8.3%
Deterministic 5-Pillar Attribution (52/100 Composite)
🔍 WHY MFIN SCORES 52/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+13/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 10.2% FCF Margin ($126.3M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
60
Grade C$11.44-2.1% Next Q
Q2 (-2Q)
57
Grade C$11.20+1.5% Next Q
Q3 (-1Q)
55
Grade C$11.37-11.9% Next Q
Current
52
Grade D+$10.02-1.1% Hist 90D α
Trajectory: C (60) → D+ (52)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a MFIN Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While MFIN currently carries a cautious 52/100 (D+) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($11.70) and Max Pain ($10.52) forces dealer call-delta covering toward $12.87.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MFIN• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “MFIN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 52%NO 48%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
5.89% Total Yield
4.09% Cash ($0.41/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
41/100 • ELEVATED PAYOUT WATCH
FREE CASH FLOW PAYOUT RATIO
94.9% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (10.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $27,887

Est. Year-10 Shareholder Yield: $1,643/yr
$11.1K
Yr 1
$12.3K
Yr 2
$13.6K
Yr 3
$15.1K
Yr 4
$16.7K
Yr 5
$18.5K
Yr 6
$20.5K
Yr 7
$22.7K
Yr 8
$25.2K
Yr 9
$27.9K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring MFIN)

  • ✓Walkthrough of MFIN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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MFIN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.79%▼ SUPPORT BREAKDOWN
2026-11-03O $11.68H $11.68L $10.02C $10.02VOL 65.0K
RES: $13.52SUP: $11.25SMA50: $11.70SMA200: $10.28
$12.50$11.51$10.53$9.54$8.55RES $13.52SUP $11.25$10.022026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MFIN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MFIN Butterfly Map → + Track MFIN →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-10.2%/yr Implied 5Y Growth

vs. +3.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MFIN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MFIN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MFIN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MFIN)

Financials Rank #600 of 1097 ⚔️ ONIT vs MFIN Full Matrix →

1. Head-to-Head Financials Peer Comparison (MFIN vs. ONIT, USDE, SVIA, DGXX)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Medallion Financial Corp. (MFIN) ranks #600 by composite RQD confidence (52/100, grade D+) and #856 by equity capitalization ($231.9M). Within this direct 5-issuer industry benchmark cohort, MFIN leads on earnings valuation at 6.2x trailing P/E, while ONIT leads on capital efficiency and profitability with 30.2% ROIC and — gross margin. MFIN currently leads its immediate peer cohort in composite quantitative strength at 52/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MFIN ACTIVE
Medallion Financial Corp.
D+ 52/100 6.2x — 10.5% -0.79% $231.9M Benchmark Subject
ONIT
Onity Group Inc.
D- 40/100 — — 30.2% +5.27% $229.9M /onit-vs-mfin →
USDE
StablecoinX Inc. (Class A)
D+ 52/100 — — — -9.25% $229.2M /usde-vs-mfin →
SVIA
Silvia Inc.
D 50/100 — — — +5.10% $238.2M /svia-vs-mfin →
DGXX
Digi Power X Inc. Subordinate Voting Shares
E 19/100 — — -23.0% -4.28% $225.1M /dgxx-vs-mfin →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001000209 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Medallion Financial Corp. (MFIN) reported GAAP revenue of $1.24B (+3.0% vs. FY2024 revenue of $1.20B , and +187.1% cumulative change since FY2023) , GAAP net income of $43.0M, operating cash flow of $126.3M, and free cash flow of $126.3M (+16.2% YoY). On the balance sheet, MFIN closed FY2025 with $2.96B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.24B $43.0M $126.3M $126.3M $2.96B —
FY2024 (FY) 2024-12-31 $1.20B $35.9M $108.7M $108.7M $2.87B —
FY2023 (FY) 2023-12-31 $432.4M $55.1M $113.8M $113.8M — —

3. MFIN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Medallion Financial Corp. (NASDAQ: MFIN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $10.02 (-0.79% 1D, market cap $231.9M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, MFIN ranks #600 in composite RQD confidence.

How does MFIN compare to ONIT and USDE in the Financials sector?

Within the Financials sector (Finance: Consumer Services), MFIN carries a Roarable D+ (52/100 RQD), trailing P/E of 6.2x, gross margin of —, and ROIC of 10.5%. By comparison, ONIT (Onity Group Inc.) holds a D- grade (40/100 RQD, P/E N/A, ROIC 30.2%, cap $229.9M) and USDE (StablecoinX Inc. (Class A)) posts a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $229.2M). Among the 5-stock peer group, MFIN leads on earnings multiple (6.2x) while ONIT leads on capital efficiency (30.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MFIN?

Per MFIN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001000209), Medallion Financial Corp. generated $1.24B in revenue (+3.0% YoY), $43.0M in net income, and $126.3M in free cash flow against $2.96B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MFIN trading relative to its 50-day, 200-day, and 52-week technical levels?

MFIN last traded at $10.02 (-0.79% on volume of 125,212 shares), positioning the stock -14.36% below its 50-day simple moving average ($11.70) and -2.53% below its 200-day simple moving average ($10.28). Across its 52-week range of $7.85 to $12.26, MFIN sits at the 49.2% percentile with a 14-day RSI of 38.5 (NEUTRAL RANGE) and an implied next-earnings move of ±8.3% ($9.19 to $10.85).

Direct Sub-Reports: MFIN RQD Cockpit MFIN 12M Forecast MFIN Earnings & Move MFIN Dividends & DRIP MFIN Insiders & 13F MFIN Whale Options MFIN Profit Sankey MFIN News & Why
ROARABLE RATING BRIEF • RQD 52/100 (D+) ✓ SEC XBRL & RQD VERIFIED

MFIN — Medallion Financial Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Medallion Financial Corp. (MFIN) earns a live Roarable RQD composite score of 52/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $10.02 (-0.79% 1D, market capitalization $231.9M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 10.5%, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (6/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Medallion Financial Corp. Is a NASDAQ-listed issuer in the Financials sector, Finance: Consumer Services industry..3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Medallion Financial Corp. (MFIN) reported $1.24B in annual revenue (up from $1.20B in FY2024, +3.0% YoY) and $43.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($432.4M revenue, $55.1M net income) through FY2025, MFIN scaled operating cash flow to $126.3M and free cash flow to $126.3M, backed by $2.96B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 52/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 6/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $7.85 – $12.26 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 6.2x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector is Financials and industry is Finance: Consumer Services. No upstream or downstream dependencies, sector correlations, or second-order bottlenecks are identified in the source data.

  • Key Question #1: Can MFIN sustain or expand its — operating margin and 10.5% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.24B and free cash flow of $126.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is MFIN's 5.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MFIN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Medallion Financial Corp. (MFIN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MFIN Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MFIN Bull vs. Bear Conversation Board — What's Your Call at $10.02?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MFIN 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MFIN:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $12.12 (+20.0%)
📌 Pinned Debate

Trailing P/E of 6.2 with a 4.09% dividend yield and ROIC of 10.5% against a $11.68 price.

Long MFIN at $10.10 targeting $12.12. Trailing P/E of 6.2 with a 4.09% dividend yield and ROIC of 10.5% against a $11.68 price.. Institutional whale score is 6/20 and the risk/reward vs. the $7.85 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@MultipleCompression Fair point on 6.2x trailing P/E, but you're ignoring the forward operating leverage in Finance: Consumer Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

MU MultipleCompression RQD DEBATE OPENER • Valuation Discipline 🐻 BEARISH 🎯 Target: $7.78 (-23.0%)
Spot @ $10.10

FCF yield of 0% and a Piotroski F-Score of 5/9 with a Cautious Neutral RQD verdict.

Fading this rally in MFIN at $10.10. FCF yield of 0% and a Piotroski F-Score of 5/9 with a Cautious Neutral RQD verdict.. With a beta of 1.0 and the stock sitting at $10.10 (52-wk range $7.85–$12.26), the easy multiple expansion is already priced in.

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