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MFIN (Medallion Financial) E10 : $0.86 (As of Mar. 2025)


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What is Medallion Financial E10?

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 Mar. 2025 was $0.500. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.86 for the trailing ten years ended in Mar. 2025.

During the past 12 months, Medallion Financial's average E10 Growth Rate was 3.60% per year. During the past 3 years, the average E10 Growth Rate was 9.60% per year. During the past 5 years, the average E10 Growth Rate was 6.50% per year. During the past 10 years, the average E10 Growth Rate was -2.50% 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 0.10% per year.

As of today (2025-07-23), Medallion Financial's current stock price is $9.63. Medallion Financial's E10 for the quarter that ended in Mar. 2025 was $0.86. Medallion Financial's Shiller PE Ratio of today is 11.20.

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 9.32.


Medallion Financial E10 Historical Data

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.

* Premium members only.

Medallion Financial E10 Chart

Medallion Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.51 0.63 0.70 0.81 0.83

Medallion Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
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 0.83 0.83 0.83 0.83 0.86

Competitive Comparison of Medallion Financial's E10

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's Shiller PE Ratio Distribution in the 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.


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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 Mar. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=0.5/134.9266*134.9266
=0.500

Current CPI (Mar. 2025) = 134.9266.

Medallion Financial Quarterly Data

per share eps CPI Adj_EPS
201506 0.330 100.684 0.442
201509 0.300 100.392 0.403
201512 0.280 99.792 0.379
201603 0.280 100.470 0.376
201606 0.190 101.688 0.252
201609 0.210 101.861 0.278
201612 0.290 101.863 0.384
201703 0.050 102.862 0.066
201706 -0.200 103.349 -0.261
201709 0.030 104.136 0.039
201712 0.140 104.011 0.182
201803 -0.620 105.290 -0.795
201806 -0.600 106.317 -0.761
201809 -0.190 106.507 -0.241
201812 0.380 105.998 0.484
201903 0.050 107.251 0.063
201906 -0.310 108.070 -0.387
201909 0.200 108.329 0.249
201912 0.110 108.420 0.137
202003 -0.560 108.902 -0.694
202006 -0.160 108.767 -0.198
202009 -0.970 109.815 -1.192
202012 0.260 109.897 0.319
202103 0.340 111.754 0.410
202106 0.410 114.631 0.483
202109 0.640 115.734 0.746
202112 0.780 117.630 0.895
202203 0.390 121.301 0.434
202206 0.540 125.017 0.583
202209 0.320 125.227 0.345
202212 0.570 125.222 0.614
202303 0.670 127.348 0.710
202306 0.620 128.729 0.650
202309 0.480 129.860 0.499
202312 0.600 129.419 0.626
202403 0.420 131.776 0.430
202406 0.300 132.554 0.305
202409 0.370 133.029 0.375
202412 0.430 133.157 0.436
202503 0.500 134.927 0.500

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


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
=9.63/0.86
=11.20

* 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 9.32.


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

Thank you for viewing the detailed overview of Medallion Financial's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Medallion Financial Business Description

Traded in Other Exchanges
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 five operating segments are, (1) recreation, (2) home improvement, (3) commercial, (4) taxi medallion, and (5) strategic partnership loans. The company generates maximum revenue from the Recreation segment.
Executives
Anthony N. Cutrone officer: See Remarks 437 MADISON AVENUE, 38TH FLOOR, NEW YORK NY 10022
David Justin Haley officer: See Remarks 1100 EAST 6600 SOUTH, SUITE 510, SALT LAKE CITY UT 84121
Brent O. Hatch director C/O MEDALLION FINANCIAL CORP., 437 MADISON AVENUE, 38TH FLOOR, NEW YORK NY 10022
Robert Meyer director 1455 VALLEY ROAD, WAYNE NJ 07470
Donald S. Poulton officer: See Remarks 1100 EAST 6600 SOUTH, SUITE 510, SALT LAKE CITY UT 84121
Cynthia A Hallenbeck director 7272 WISCONSIN AVENUE, SUITE 1300, BETHESDA MD 20814
Allan J Tanenbaum director
David L Rudnick director
Alvin Murstein director, officer: Chairman & CEO
Henry L Aaron director
Thomas J. Munson officer: Please See Remarks 437 MADISON AVENUE, 38TH FLOOR, NEW YORK NY 10022
Alexander S Travis officer: See Remarks 3000 WEST COUNTY ROAD 42, SUITE 301, BURNSVILLE MN 55337
Frederick Menowitz director C/O MEDALLION FINANCIAL CORP, 437 MADISON AVE, NEW YORK NY 10022
Stephen A. Lewis officer: See Remarks 3000 WEST COUNTY ROAD 42, SUITE 301, BURNSVILLE MN 55337
John Everets director