Medallion Financial (FRA:MD5) Moat Score: 3/10 (As of Aug. 03, 2026)

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FRA:MD5 Medallion Financial Corp FRA:MD5
61 GF Score
Price €8.40
GF Value €8.41
! 5 Warning Signs
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What is Medallion Financial Moat Score?

Medallion Financial FRA:MD5 +1.20% 61 Moat Score is 3 as of Aug. 03, 2026. GuruFocus rates FRA:MD5 with a GF Score™ of 61/100 and a GF Value™ of €8.41. The stock has 5 warning signs investors should review. Among 568 Credit Services companies, Medallion Financial ranks better than 91.37% on this metric.

Medallion Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Medallion Financial has No Moat: Medallion Financial Corp operates in a highly competitive financial sector with limited market share and no significant customer switching costs. The company lacks strong brand strength, proprietary technology, or regulatory advantages that would provide a durable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Medallion Financial might have No Moat - Very weak/transient advantages.

Medallion Financial  (FRA:MD5) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Medallion Financial Moat Score Related Terms

FRA:MD5 vs PMTS, LX, TROO: Moat Score Comparison

For the Credit Services subindustry, Medallion Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Medallion Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Medallion Financial's Moat Score falls into.


FRA:MD5
61GF Score
Medallion Financial Corp FRA:MD5
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Medallion Financial (FRA:MD5) has a Moat Score of 3 as of Aug. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Medallion Financial ranks #49 out of 568 companies in the Credit Services industry, placing it in the top 8.6%.
Is Medallion Financial's Moat Score too high?
Medallion Financial's current Moat Score is 3. Based on the distribution chart, Medallion Financial ranks #49 out of 568 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, reflecting its overall financial health beyond just this single metric.
How does Medallion Financial's Moat Score compare to PMTS and LX?
According to the Credit Services industry distribution chart, Medallion Financial ranks #49 out of 568 companies for Moat Score. This places Medallion Financial in the top 9% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Medallion Financial's current Moat Score is 3. 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?
Medallion Financial (FRA:MD5) has a current Moat Score of 3. The stock's GF Value™ is €8.41, compared to a current price of €8.40 — trading 0.1% below its estimated fair value. The current Moat Score is 3. Medallion Financial's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Medallion Financial (FRA:MD5), the current Moat Score is 3 as of Aug. 03, 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 (FRA:MD5) Overvalued in 2026?

Based on GuruFocus' analysis, Medallion Financial stock appears to be undervalued. The current stock price of €8.40 is trading 0.1% below its estimated GF Value™ of €8.41.

Key valuation signals for FRA:MD5:

  • Moat Score: 3
  • GF Value™: €8.41 vs. price of €8.40 (0.1% below fair value)
  • GF Score™: 61/100 with 5 warning signs

No single metric tells the full story. See the FRA:MD5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Medallion Financial Business Description

Other Exchanges MFIN:USA
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.
61GF Score

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

€8.40
Price
€8.41
GF Value