Q3 2025 Medallion Financial Corp Earnings Call Transcript

Oct 30, 2025 / 01:00 PM GMT

Release Date Price: €8.2 (-1.20%)

Transcript 10-Q8-K

Key Points

Positve

Net income for the third quarter was $7.8 million, or $11.3 million excluding a non-recurring charge, indicating strong financial performance.
Net interest income increased by 6% to $55.7 million, showcasing growth in core financial metrics.
The strategic partnership program reached a record level of $208.4 million in originations, highlighting successful expansion efforts.
The company redeemed Series F preferred stock, reducing ongoing cost of capital and positioning for future growth.
Loan originations increased to $427 million, reflecting strong demand and effective execution across lending segments.

Negative

A non-recurring $3.5 million charge related to the redemption of preferred stock impacted earnings.
Home improvement loan originations decreased from $96.5 million last year to $59.7 million, indicating a decline in this segment.
Operating costs increased to $20.7 million, up from $19 million in the prior year, due to technological initiatives and higher employee costs.
Provision for credit loss was $18.6 million, reflecting economic uncertainties and seasonal dynamics.
Recreation loan originations were flat year-over-year, suggesting potential challenges in this segment.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

MFIN.OQ - Medallion Financial Corp
Q3 2025 Medallion Financial Corp Earnings Call
Oct 30, 2025 / 01:00PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Good day and welcome to Medallion Financial Core, 3rd quarter of 2025 earnings call. All participants will be in a listen-only mode for the duration of the call.

Should you need any assistance, please sign going conference specialist by pressing the star key followed by 0.

After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then 1 on your telephone keypad. And to withdraw a question, please press star, then 2. Also, please be aware that today's call is being recorded.

I would now like to return the call over to Val Servaro Investor relations. Please go ahead.

----------------------------------------------------------------------

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.