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Medallion FinancialMFIN -2.64%61 EV-to-FCF is 3.72 as of Jul. 19, 2026, which is 25% below its 10-year median of 4.99. GuruFocus rates MFIN with a GF Score™ of 61/100 and a GF Value™ of $9.88 (Fairly Valued). The stock has 6 warning signs investors should review. Among 266 Credit Services companies, Medallion Financial ranks better than 80.83% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Medallion Financial's Enterprise Value is $500.8 Mil.
Medallion Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $134.5 Mil. Therefore, Medallion Financial's EV-to-FCF for today is 3.72.
The historical rank and industry rank for Medallion Financial's EV-to-FCF or its related term are showing as below:
MFIN'
s EV-to-FCF Range Over the Past 10 Years
Min: -8.02 Med: 4.99 Max: 142.6
Current: 3.72
During the past 13 years, the highest EV-to-FCF of Medallion Financial was 142.60. The lowest was -8.02. And the median was 4.99.
MFIN's EV-to-FCF is ranked better than 80.83% of 266
companies
in the Credit Services industry
Industry Median: 13.625
vs MFIN: 3.72
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Medallion Financial's PE Ratio (TTM) for today is calculated as:
Medallion Financial's share price for today is $9.95.
Medallion Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.480.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Medallion Financial EV-to-FCF Related Terms
Medallion Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Medallion Financial's EV-to-FCF 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.
For the Credit Services subindustry, Medallion Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Medallion Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Medallion Financial's EV-to-FCF falls into.
Medallion Financial's current Enterprise Value is $500.8 Mil.
Medallion Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $134.5 Mil.
* 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 (MFIN) has a EV-to-FCF of 3.72 as of Jul. 19, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Medallion Financial and its competitors. This is 25% below median its historical median of 4.99. According to the industry distribution chart, Medallion Financial ranks #51 out of 266 companies in the Credit Services industry, placing it in the top 19.2%.
Is Medallion Financial's EV-to-FCF too high?
Medallion Financial's current EV-to-FCF of 3.72 is 25% below median its 10-year median of 4.99. The Credit Services industry median EV-to-FCF is 13.63. Medallion Financial's value of 3.72 is 72.7% below this industry median. Based on the distribution chart, Medallion Financial ranks #51 out of 266 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Medallion Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Medallion Financial's EV-to-FCF compare to PMTS and CPSS?
According to the Credit Services industry distribution chart, Medallion Financial ranks #51 out of 266 companies for EV-to-FCF. This places Medallion Financial in the top 19% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 13.63. Medallion Financial's value of 3.72 is 72.7% below this benchmark. While the company's 10-year median is 4.99 vs. the industry median of 13.63, Medallion Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.63, based on 266 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Medallion Financial's current EV-to-FCF of 3.72 is 72.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Medallion Financial and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Medallion Financial's current EV-to-FCF is 3.72, which is 25% below median its own 10-year median of 4.99. 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 Fairly Valued. The stock's GF Value™ is $9.88, compared to a current price of $9.95 — trading 0.7% above its estimated fair value. The current EV-to-FCF is 3.72, which is 25% below median its 10-year median of 4.99 and 72.7% below the Credit Services industry median of 13.63. Medallion Financial's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Medallion Financial (MFIN), the current EV-to-FCF is 3.72 as of Jul. 19, 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 $9.95 is trading 0.7% above its estimated GF Value™ of $9.88.
GuruFocus considers Medallion Financial to be Fairly Valued.
Key valuation signals for MFIN:
EV-to-FCF: 3.72 (25% below median its 10-year median of 4.99)
GF Value™: $9.88 vs. price of $9.95 (0.7% above fair value)
Industry Position: 72.7% below the Credit Services median (#51 of 266)
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 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.
61GF Score
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