MFIN (Medallion Financial) E10: $0.88 (As of Jun. 2026)

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MFIN Medallion Financial Corp MFIN
62 GF Score
Price $11.97
GF Value $9.95
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Medallion Financial E10?

Medallion Financial MFIN -0.95% 62 E10 is $0.88 as of Jun. 2026. GuruFocus rates MFIN with a GF Score™ of 62/100 and a GF Value™ of $9.95 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Medallion Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.310. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.88 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Medallion Financial's average E10 Growth Rate was 1.10% per year. During the past 3 years, the average E10 Growth Rate was 7.50% per year. During the past 5 years, the average E10 Growth Rate was 11.00% per year. During the past 10 years, the average E10 Growth Rate was -1.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Medallion Financial was 28.40% per year. The lowest was -16.90% per year. And the median was 1.10% per year.

As of today (2026-09-09), Medallion Financial's current stock price is $11.97. Medallion Financial's E10 for the quarter that ended in Jun. 2026 was $0.88. Medallion Financial's Shiller PE Ratio of today is 13.60.

During the past 13 years, the highest Shiller PE Ratio of Medallion Financial was 18.10. The lowest was 1.92. And the median was 9.79.


Medallion Financial  (NAS:MFIN) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Medallion Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=11.97/0.88
=13.60

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Medallion Financial was 18.10. The lowest was 1.92. And the median was 9.79.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Medallion Financial E10 Related Terms


Medallion Financial E10 Historical Data

* Premium members only.

The historical data trend for Medallion Financial's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Medallion Financial E10 Chart

Medallion Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.63 0.70 0.81 0.83 0.87

Medallion Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.87 0.86 0.87 0.87 0.88

MFIN vs TROO, RM, PMTS: E10 Comparison

For the Credit Services subindustry, Medallion Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Medallion Financial Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Medallion Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Medallion Financial's Shiller PE Ratio falls into.


MFIN
62GF Score
Medallion Financial Corp MFIN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Medallion Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Medallion Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.31/333.9520*333.9520
=0.310

Current CPI (Jun. 2026) = 333.9520.

Medallion Financial Quarterly Data

per share eps CPI Adj_EPS
201609 0.210 241.428 0.290
201612 0.290 241.432 0.401
201703 0.050 243.801 0.068
201706 -0.200 244.955 -0.273
201709 0.030 246.819 0.041
201712 0.140 246.524 0.190
201803 -0.620 249.554 -0.830
201806 -0.600 251.989 -0.795
201809 -0.190 252.439 -0.251
201812 0.380 251.233 0.505
201903 0.050 254.202 0.066
201906 -0.310 256.143 -0.404
201909 0.200 256.759 0.260
201912 0.110 256.974 0.143
202003 -0.560 258.115 -0.725
202006 -0.160 257.797 -0.207
202009 -0.970 260.280 -1.245
202012 0.260 260.474 0.333
202103 0.340 264.877 0.429
202106 0.410 271.696 0.504
202109 0.640 274.310 0.779
202112 0.780 278.802 0.934
202203 0.390 287.504 0.453
202206 0.540 296.311 0.609
202209 0.320 296.808 0.360
202212 0.570 296.797 0.641
202303 0.670 301.836 0.741
202306 0.620 305.109 0.679
202309 0.480 307.789 0.521
202312 0.600 306.746 0.653
202403 0.420 312.332 0.449
202406 0.300 314.175 0.319
202409 0.370 315.301 0.392
202412 0.430 315.605 0.455
202503 0.500 319.799 0.522
202506 0.460 322.561 0.476
202509 0.320 324.800 0.329
202512 0.500 324.054 0.515
202603 0.200 330.213 0.202
202606 0.310 333.952 0.310

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.88 mean?
Medallion Financial (MFIN) has a E10 of $0.88 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Medallion Financial and its competitors.
Is Medallion Financial's E10 too high?
Medallion Financial's current E10 is $0.88. Overall, Medallion Financial has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Medallion Financial's E10 compare to TROO and RM?
Medallion Financial's E10 of $0.88 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Medallion Financial and its competitors. Medallion Financial's current E10 is $0.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Medallion Financial stock overvalued right now?
Based on GuruFocus' analysis, Medallion Financial (MFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is $9.95, compared to a current price of $11.97 — trading 20.3% above its estimated fair value. The current E10 is $0.88. Medallion Financial's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Medallion Financial (MFIN), the current E10 is $0.88 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Medallion Financial (MFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Medallion Financial stock appears to be overvalued. The current stock price of $11.97 is trading 20.3% above its estimated GF Value™ of $9.95. GuruFocus considers Medallion Financial to be Modestly Overvalued.

Key valuation signals for MFIN:

  • E10: $0.88
  • GF Value™: $9.95 vs. price of $11.97 (20.3% above fair value)
  • GF Score™: 62/100 with 7 warning signs

No single metric tells the full story. See the MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Medallion Financial Business Description

Other Exchanges MD5:Germany
Address 437 Madison Avenue, 38th Floor, New York, NY, USA, 10022
Medallion Financial Corp is a finance company that originates and services loans in various industries. The four operating segments are, (1) recreation, (2) home improvement, (3) commercial and (4) taxi medallion The company generates maximum revenue from the Recreation segment. The company's geographic Concentrations are in united states diversified in California, Wisconsin, New York, Texas and others.
62GF Score

Get the complete analysis for MFIN

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$11.97
Price
$9.95
GF Value