Présentation de l'entreprise
Medallion Bank, operating as an industrial bank, originates consumer loans, raises deposits, and conducts various banking activities targeting individuals and businesses across the United States. The company offers consumer loans through dealers and financial service providers (FSPs) specifically for the purchase of recreation products, distinguishing its business model within the broader financial services landscape. It operates within the Financial Services sector and the Banks - Regional industry, positioning it as a specialized lender focused on consumer credit and regional banking dynamics. The company reports an annual revenue of $155.05M, while employee count data is not disclosed in the provided records, and the market capitalization is listed as unavailable. Although specific market cap figures are absent, the reported revenue scale and regional industry classification suggest a focused operational footprint rather than a diversified national conglomerate.
Santé financière
The company generated revenue of $155.05M over the trailing twelve months, resulting in a net income of $59.89M, while EBITDA data is not reported. The significant gap between the reported revenue and net income reveals a cost structure where operating expenses and provisions for loan losses consume approximately 61% of total revenue, leaving a substantial profit margin despite the lack of EBITDA disclosure. Free cash flow figures are not available in the current dataset, which limits the immediate assessment of operational cash generation flexibility independent of financing activities. However, the firm holds $147.45M in cash assets against $50.91M in total debt, indicating a robust liquidity position where cash reserves are nearly three times the outstanding debt obligations. The debt-to-equity ratio is not explicitly stated, yet the sheer volume of cash relative to debt suggests a highly conservative balance sheet strategy rather than a leveraged one. Margins reflect this efficiency, with a gross margin of 0.0%, an operating margin of 65.0%, and a profit margin of 46.6%, highlighting a business model where revenue recognition occurs upfront or through fee structures rather than traditional gross profit accumulation on loan principal. The current ratio is not disclosed, preventing a direct calculation of short-term liquidity coverage using current assets and liabilities. Regarding return metrics, the company demonstrates a Return on Equity of 17.3% and a Return on Assets of 2.8%, revealing that management is highly effective at generating shareholder value relative to equity invested, while asset yields remain consistent with the high-risk, high-reward nature of consumer lending sectors.
Évaluation de la valorisation
Trailing and forward P/E ratios are both listed as unavailable, which precludes a direct comparison of current earnings multiples against future earnings expectations. In the absence of P/E data, the price-to-book ratio stands at 0.07, indicating that the market values the company's equity at a fraction of its book value, suggesting the stock trades at a significant discount to its accounting net worth. The price-to-sales ratio and EV/EBITDA metrics are also not provided, limiting the ability to benchmark valuation against revenue or enterprise value multiples relative to peers. The stock price has fluctuated within a 52-week range bounded by a high of $28.00 and a low of $23.61. Without the current share price explicitly defined in the facts, the precise percentage deviation from the 52-week high or low cannot be calculated, but the trading band indicates a volatility of approximately 16.5% between the recent high and low. The beta value is not available, making it impossible to quantify the stock's price volatility relative to the broader market movements or to assess systematic risk exposure.
Growth & Income
Medallion Bank has demonstrated robust expansion with revenue growth of 26.7% year-over-year and earnings growth of 78.9% year-over-year. The earnings growth rate is significantly faster than the revenue growth rate, implying that the company is benefiting from operational leverage or margin expansion as its revenue base increases. As a company with a dividend yield of 8.9% and an unavailable payout ratio, it distributes a substantial portion of its earnings to shareholders, though the sustainability of this yield without a stated payout ratio remains dependent on the stability of its reported net income. The high dividend yield suggests a mature cash distribution policy, potentially indicating that the company reinvests a smaller portion of earnings into growth compared to high-growth tech firms, relying instead on steady deposit flows and loan origination fees. The overall growth and income profile combines double-digit earnings acceleration with a high-yield dividend structure, offering investors a mix of capital appreciation potential and current income generation within the regional banking sector.