Stock Ratings / Financials / MFIN / dividends

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Medallion Financial Corp. (MFIN) Dividend Safety Gauge & 10-Year DRIP Compounder

Q: Does MFIN pay a dividend and is it safe?

Medallion Financial Corp. (MFIN) offers a 4.09% cash dividend yield ($0.48 annualized) and 5.89% total shareholder yield including buybacks. Roarable rates its payout coverage as ELEVATED PAYOUT WATCH.

$11.68 +1.39% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Medallion Financial Corp. (MFIN) carries a Roarable Rating of D+ (Sell) with 57/100 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 $268.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

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+

Each axis scored 0–20

12M PRICE TARGET CONE-0.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MFIN)Realized 20D OHLCV Swing Band: ±7%

CASH DIVIDEND + BUYBACK YIELD

5.89% Total Yield

4.09% Cash ($0.48/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

Starting Investment: $10,000

Compounding Horizon: 10 Years

$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
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MFIN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.51%▲ ASCENDING CHANNEL

2026-10-30O $11.69H $11.69L $10.07C $11.68VOL 64.8K

RES: $13.46SUP: $11.20SMA50: $11.73SMA200: $10.27

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

-10.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #651 of 1096 ⚔️ XYF vs MFIN Full Matrix →

1. Head-to-Head Financials Peer Comparison (MFIN vs. XYF, USDE, SVIA, RWAY)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Medallion Financial Corp. (MFIN) ranks #651 by composite RQD confidence (57/100, grade D+) and #837 by equity capitalization ($268.2M). Within this direct 5-issuer industry benchmark cohort, MFIN leads on earnings valuation at 6.2x trailing P/E, while XYF leads on capital efficiency and profitability with 18.8% ROIC and — gross margin. XYF currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with MFIN at 57/100 (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+	57/100	6.2x	—	10.5%	+1.39%	$268.2M	Benchmark Subject
XYF X Financial each representing six (Class A)	C+	67/100	—	—	18.8%	+0.83%	$267.9M	/xyf-vs-mfin →
USDE StablecoinX Inc. (Class A)	D+	57/100	—	—	—	+4.44%	$268.6M	/usde-vs-mfin →
SVIA Silvia Inc.	D	46/100	—	—	—	-4.49%	$267.3M	/svia-vs-mfin →
RWAY Runway Growth Finance Corp.	C	64/100	8.1x	—	7.0%	+1.70%	$276.6M	/rway-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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$43.0M	$126.3M	$126.3M	$2.96B	—
FY2024 (FY)	2024-12-31	$0	$35.9M	$108.7M	$108.7M	$2.87B	—
FY2023 (FY)	2023-12-31	$0	$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 2026-11-01, Medallion Financial Corp. (NASDAQ: MFIN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $11.68 (+1.39% 1D, market cap $268.2M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, MFIN ranks #651 in composite RQD confidence.

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

Within the Financials sector (Finance: Consumer Services), MFIN carries a Roarable D+ (57/100 RQD), trailing P/E of 6.2x, gross margin of —, and ROIC of 10.5%. By comparison, XYF (X Financial each representing six (Class A)) holds a C+ grade (67/100 RQD, P/E N/A, ROIC 18.8%, cap $267.9M) and USDE (StablecoinX Inc. (Class A)) posts a D+ grade (57/100 RQD, P/E N/A, ROIC —, cap $268.6M). Among the 5-stock peer group, MFIN leads on earnings multiple (6.2x) while XYF leads on capital efficiency (18.8% 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 $0 in revenue, $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 $11.68 (+1.39% on volume of 45,998 shares), positioning the stock -0.43% below its 50-day simple moving average ($11.73) and +13.73% above its 200-day simple moving average ($10.27). Across its 52-week range of $7.85 to $12.26, MFIN sits at the 86.8% percentile with a 14-day RSI of 27.8 (OVERSOLD (<32)) and an implied next-earnings move of ±7.0% ($10.86 to $12.50).

MFIN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does MFIN pay a dividend and is it safe?

Medallion Financial Corp. (MFIN) offers a 4.09% cash dividend yield ($0.48 annualized) and 5.89% total shareholder yield including buybacks. Roarable rates its payout coverage as ELEVATED PAYOUT WATCH.

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