Medallion Financial Corp. cash flow to debt ratio of 39.93% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Medallion Financial Corp.'s free cash flow has increased 9.32% from $115.51M last year to $126.28M, signaling increasing performance

Medallion Financial Corp.'s debt to equity ratio is 0.85, which means that the company's assets are unhealthy financed, signaling financial risk.

Medallion Financial Corp.'s debt has increased relative to shareholder equity from 0.78 last year to 0.85 today, signaling weakened financials

Medallion Financial Corp. has a net debt to EBITDA ratio of 0.29x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Medallion Financial Corp. earns at least as much interest as it pays. Interest obligations are fully covered.

Medallion Financial Corp.'s profit margin has decreased (15.54%) in the last year from 12.30% to 10.38%, signaling decreasing performance

Medallion Financial Corp.'s short-term assets of $2.72B exceed its short-term liabilities of $100.29M

Medallion Financial Corp.'s return on assets of 1.12% is lower than the 5.00% threshold, indicating inefficient asset utilization

Medallion Financial Corp.'s return on equity of 8.86%, is lower than 15.00%, indicating bad performance

Medallion Financial Corp.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Medallion Financial Corp. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Medallion Financial Corp. has positive free cash flow, indicating the company generates cash after capital expenditures

Medallion Financial Corp. has a free cash flow yield of 50.36%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Medallion Financial Corp.'s yearly earnings has increased 19.97% since last year from $35.88M to $43.04M, signaling increasing performance

Medallion Financial Corp.'s yearly revenue has increased 21.09% since last year from $291.79M to $353.31M, signaling increasing performance

ROIC 3.14% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Medallion Financial Corp.'s 3-year revenue CAGR of 21.20% is positive, indicating growing revenue over the past 3 years

Medallion Financial Corp. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Medallion Financial Corp. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Medallion Financial Corp. is undervalued relative to its fair value price of 90.08 based on Discounted Cash Flow model

Medallion Financial Corp. has an earnings yield of 14.27%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Medallion Financial Corp. is undervalued relative to its fair value price of 48.18 based on EBITDA multiple model

Medallion Financial Corp. has an EV/EBITDA ratio of 1.64x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Medallion Financial Corp. is undervalued relative to its fair value price of 86.72 based on Earnings Fair Value model

Medallion Financial Corp. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

Medallion Financial Corp. has a price-to-book ratio of 0.50x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Medallion Financial Corp. has a price-to-sales ratio of 0.73x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue