Medallion Financial Corp. (MFIN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

BlackRock Capital Investment Corp

Saratoga Investment Corp.

First Western Financial, Inc.

Medallion Financial Corp.

Portman Ridge Finance Corp.

Stellus Capital Investment Corp.

WhiteHorse Finance, Inc.

Bridge Investment Group Holdings, Inc.

Oxford Square Capital Corp.

Monroe Capital Corp.

Sculptor Capital Management, Inc.

Why is Medallion Financial Corp. ?

ROCE(HY) Lowest at 9.13%
INTEREST COVERAGE RATIO(Q) Lowest at 921.11
RAW MATERIAL COST(Y) Grown by 5.7% (YoY)

Underperformed the market in the last 1 year

The stock has generated a return of 3.09% in the last 1 year, much lower than market (S&P 500) returns of 22.24%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Capital Markets)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Medallion Financial Corp. for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Medallion Financial Corp.

3.09%

0.52

31.78%

S&P 500

22.24%

1.67

13.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.24%

EBIT Growth (5y)

21.09%

EBIT to Interest (avg)

8.35

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

32.73%

Dividend Payout Ratio

26.48%

Pledged Shares

Institutional Holding

37.35%

ROCE (avg)

75.36%

ROE (avg)

12.39%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.52

EV to EBIT

0.04

EV to EBITDA

0.04

EV to Capital Employed

0.04

EV to Sales

0.02

PEG Ratio

0.38

Dividend Yield

266.96%

ROCE (Latest)

91.76%

ROE (Latest)

10.53%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

7What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 134.75 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 59.46%

CASH AND EQV(HY)

Highest at USD 345.01 MM

DEBT-EQUITY RATIO (HY)

Lowest at 552.06 %

DIVIDEND PER SHARE(HY)

Highest at USD 20.64

-19What is not working for the Company

ROCE(HY)

Lowest at 9.13%

INTEREST COVERAGE RATIO(Q)

Lowest at 921.11

RAW MATERIAL COST(Y)

Grown by 5.7% (YoY

DEBTORS TURNOVER RATIO(HY)

Lowest at 20.64 times

NET SALES(Q)

Lowest at USD 81.48 MM

PRE-TAX PROFIT(Q)

Lowest at USD 11.62 MM

NET PROFIT(Q)

Lowest at USD 4.95 MM

EPS(Q)

Lowest at USD 0.2

Here's what is working for Medallion Financial Corp.

Operating Cash Flow

Highest at USD 134.75 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Cash and Eqv

Highest at USD 345.01 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Debt-Equity Ratio

Lowest at 552.06 %

in the last five Semi-Annual periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Dividend per share

Highest at USD 20.64

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Dividend Payout Ratio

Highest at 59.46%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Medallion Financial Corp.

Net Profit

At USD 4.95 MM has Fallen at -58.77%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Interest Coverage Ratio

Lowest at 921.11

in the last five periods

MOJO Watch

The company's ability to manage interest payments is deteriorating

Operating Profit to Interest

Pre-Tax Profit

At USD 11.62 MM has Fallen at -42.6%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Sales

Lowest at USD 81.48 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Pre-Tax Profit

Lowest at USD 11.62 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 4.95 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.2

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Debtors Turnover Ratio

Lowest at 20.64 times

in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling Debtors has slowed

Debtors Turnover Ratio

Raw Material Cost

Grown by 5.7% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin

Raw Material Cost as a percentage of Sales