Medallion Financial Corp (MFIN) - Net Assets
Based on the latest financial reports, Medallion Financial Corp (MFIN) has net assets worth $508.05 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.96 Billion) and total liabilities ($2.45 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check MFIN financial resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $508.05 Million |
| % of Total Assets | 17.19% |
| Annual Growth Rate | 7.87% |
| 5-Year Change | 42.78% |
| 10-Year Change | 77.58% |
| Growth Volatility | 30.26 |
Medallion Financial Corp - Net Assets Trend (1996–2025)
This chart illustrates how Medallion Financial Corp's net assets have evolved over time, based on quarterly financial data. Also explore Medallion Financial Corp asset portfolio for the complete picture of this company's asset base.
Annual Net Assets for Medallion Financial Corp (1996–2025)
The table below shows the annual net assets of Medallion Financial Corp from 1996 to 2025. For live valuation and market cap data, see Medallion Financial Corp (MFIN) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $508.05 Million | +15.74% |
| 2024-12-31 | $438.96 Million | +6.60% |
| 2023-12-31 | $411.77 Million | +11.13% |
| 2022-12-31 | $370.52 Million | +4.13% |
| 2021-12-31 | $355.83 Million | +16.83% |
| 2020-12-31 | $304.56 Million | -8.94% |
| 2019-12-31 | $334.47 Million | +15.25% |
| 2018-12-31 | $290.20 Million | +1.06% |
| 2017-12-31 | $287.16 Million | +0.37% |
| 2016-12-31 | $286.10 Million | +2.88% |
| 2015-12-31 | $278.09 Million | +1.24% |
| 2014-12-31 | $274.67 Million | +0.43% |
| 2013-12-31 | $273.50 Million | +26.43% |
| 2012-12-31 | $216.32 Million | +26.13% |
| 2011-12-31 | $171.50 Million | +5.37% |
| 2010-12-31 | $162.76 Million | -0.13% |
| 2009-12-31 | $162.98 Million | -6.84% |
| 2008-12-31 | $174.95 Million | +1.46% |
| 2007-12-31 | $172.42 Million | +1.65% |
| 2006-12-31 | $169.63 Million | +1.97% |
| 2005-12-31 | $166.35 Million | -2.41% |
| 2004-12-31 | $170.46 Million | +5.15% |
| 2003-12-31 | $162.12 Million | +0.16% |
| 2002-12-31 | $161.87 Million | -7.52% |
| 2001-12-31 | $175.02 Million | +18.47% |
| 2000-12-31 | $147.73 Million | -6.09% |
| 1999-12-31 | $157.31 Million | +6.15% |
| 1998-12-31 | $148.20 Million | -0.34% |
| 1997-12-31 | $148.70 Million | +163.19% |
| 1996-12-31 | $56.50 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Medallion Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 0.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $408.62 Million | 100.00% |
| Total Equity | $408.62 Million | 100.00% |
Medallion Financial Corp Competitors by Market Cap
The table below lists competitors of Medallion Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Kginicis Co.Ltd
KQ:035600
|
$206.55 Million |
|
Amcil Ltd
AU:AMH
|
$206.63 Million |
|
CSG Holding Co Ltd
SHE:200012
|
$206.76 Million |
|
CVRx Inc
NASDAQ:CVRX
|
$206.81 Million |
|
Krsnaa Diagnostics Limited
NSE:KRSNAA
|
$206.54 Million |
|
Inesa Intelligent Tech Inc B
SHG:900901
|
$206.53 Million |
|
Huxen Corp
TW:2433
|
$206.45 Million |
|
Replimune Group Inc
NASDAQ:REPL
|
$206.43 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Medallion Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 370,170,000 to 408,617,000, a change of 38,447,000 (10.4%).
- Net income of 43,044,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 3,647,000.
- Other factors decreased equity by 8,244,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $43.04 Million | +10.53% |
| Other Comprehensive Income | $3.65 Million | +0.89% |
| Other Changes | $-8.24 Million | -2.02% |
| Total Change | $- | 10.39% |
Book Value vs Market Value Analysis
This analysis compares Medallion Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.53x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.29x to 0.53x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $6.85 | $8.86 | x |
| 1997-12-31 | $14.45 | $8.86 | x |
| 1998-12-31 | $10.16 | $8.86 | x |
| 1999-12-31 | $10.76 | $8.86 | x |
| 2000-12-31 | $10.14 | $8.86 | x |
| 2001-12-31 | $10.56 | $8.86 | x |
| 2002-12-31 | $8.87 | $8.86 | x |
| 2003-12-31 | $8.86 | $8.86 | x |
| 2004-12-31 | $9.25 | $8.86 | x |
| 2005-12-31 | $9.48 | $8.86 | x |
| 2006-12-31 | $9.55 | $8.86 | x |
| 2007-12-31 | $9.69 | $8.86 | x |
| 2008-12-31 | $9.87 | $8.86 | x |
| 2009-12-31 | $9.21 | $8.86 | x |
| 2010-12-31 | $9.23 | $8.86 | x |
| 2011-12-31 | $9.71 | $8.86 | x |
| 2012-12-31 | $10.72 | $8.86 | x |
| 2013-12-31 | $12.31 | $8.86 | x |
| 2014-12-31 | $10.95 | $8.86 | x |
| 2015-12-31 | $11.40 | $8.86 | x |
| 2016-12-31 | $11.84 | $8.86 | x |
| 2017-12-31 | $11.94 | $8.86 | x |
| 2018-12-31 | $10.84 | $8.86 | x |
| 2019-12-31 | $10.81 | $8.86 | x |
| 2020-12-31 | $9.47 | $8.86 | x |
| 2021-12-31 | $11.51 | $8.86 | x |
| 2022-12-31 | $12.61 | $8.86 | x |
| 2023-12-31 | $14.75 | $8.86 | x |
| 2024-12-31 | $15.68 | $8.86 | x |
| 2025-12-31 | $16.85 | $8.86 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Medallion Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.53%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 12.18%
- • Asset Turnover: 0.12x
- • Equity Multiplier: 7.23x
- Recent ROE (10.53%) is above the historical average (6.36%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 6.90% | 29.77% | 0.07x | 3.36x | $-1.75 Million |
| 1997 | 7.06% | 37.50% | 0.08x | 2.29x | $-4.37 Million |
| 1998 | 11.20% | 34.95% | 0.11x | 2.85x | $1.78 Million |
| 1999 | 13.41% | 29.22% | 0.14x | 3.39x | $5.37 Million |
| 2000 | 5.10% | 12.62% | 0.11x | 3.80x | $-7.23 Million |
| 2001 | -2.32% | -10.37% | 0.08x | 2.90x | $-21.56 Million |
| 2002 | -7.79% | -35.75% | 0.08x | 2.63x | $-28.80 Million |
| 2003 | 1.24% | 6.45% | 0.07x | 2.82x | $-14.19 Million |
| 2004 | 13.21% | 43.55% | 0.07x | 4.16x | $5.47 Million |
| 2005 | 4.12% | 16.40% | 0.07x | 3.45x | $-9.77 Million |
| 2006 | 7.73% | 25.10% | 0.08x | 3.72x | $-3.85 Million |
| 2007 | 8.95% | 24.13% | 0.09x | 4.18x | $-1.81 Million |
| 2008 | 8.72% | 27.17% | 0.09x | 3.70x | $-2.25 Million |
| 2009 | 0.63% | 2.28% | 0.08x | 3.41x | $-15.28 Million |
| 2010 | 6.93% | 26.73% | 0.08x | 3.38x | $-5.00 Million |
| 2011 | 11.17% | 41.09% | 0.09x | 3.13x | $2.01 Million |
| 2012 | 11.33% | 49.93% | 0.09x | 2.51x | $2.89 Million |
| 2013 | 9.42% | 51.76% | 0.08x | 2.18x | $-1.57 Million |
| 2014 | 10.45% | 52.05% | 0.09x | 2.30x | $1.23 Million |
| 2015 | 10.56% | 52.91% | 0.08x | 2.48x | $1.57 Million |
| 2016 | 8.22% | 22.43% | 0.15x | 2.41x | $-5.09 Million |
| 2017 | 0.10% | 1.43% | 0.03x | 2.21x | $-28.44 Million |
| 2018 | -9.54% | -22.56% | 0.08x | 5.26x | $-51.31 Million |
| 2019 | -0.67% | -1.25% | 0.09x | 5.86x | $-28.08 Million |
| 2020 | -15.03% | -22.98% | 0.09x | 7.10x | $-57.92 Million |
| 2021 | 18.85% | 30.19% | 0.10x | 6.53x | $25.40 Million |
| 2022 | 14.53% | 22.09% | 0.09x | 7.49x | $13.67 Million |
| 2023 | 16.06% | 21.64% | 0.10x | 7.54x | $20.78 Million |
| 2024 | 9.69% | 12.30% | 0.10x | 7.75x | $-1.14 Million |
| 2025 | 10.53% | 12.18% | 0.12x | 7.23x | $2.18 Million |
Industry Comparison
This section compares Medallion Financial Corp's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $4,215,656,516
- Average return on equity (ROE) among peers: 85.60%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Medallion Financial Corp (MFIN) | $508.05 Million | 6.90% | 4.82x | $206.54 Million |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $16.59 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $156.65 Million | -95.99% | 31.60x | $1.63 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $248.49 Million | 12.88% | 18.94x | $137.84 Million |
| AIOS Tech Inc. (AIOS) | $53.94 Million | 5.08% | 0.74x | $3.53 Million |
| Ally Financial Inc (ALLY) | $17.05 Billion | 17.95% | 9.70x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $210.67 Million |
| Atlanticus Holdings Corporation (ATLC) | $-22.13 Million | 0.00% | 0.00x | $958.76 Million |
| American Express Company (AXP) | $20.67 Billion | 28.47% | 6.70x | $219.50 Billion |
| Bread Financial Holdings, Inc. (BFH) | $23.09 Million | 838.91% | 357.19x | $3.31 Billion |
| Credit Acceptance Corporation (CACC) | $702.20 Million | 37.91% | 2.97x | $5.39 Billion |
About Medallion Financial Corp
Medallion Financial Corp., together with its subsidiaries, operates as a specialty finance company in the United States. It operates in four segments: Recreation Lending, Home Improvement Lending, Commercial Loans, Taxi Medallion Lending, and Strategic Partnership Loans. The company offers loans that finance consumer purchases of recreational vehicles, boats, collector cars, and other consumer re… Read more