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Medallion FinancialFRA:MD5 +1.20%61 Net Margin % is 9.36% as of Mar. 2026, which is 49% below its 10-year median of 18.40. 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 537 Credit Services companies, Medallion Financial ranks better than 51.02% on this metric.
Medallion Financial (FRA:MD5) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Medallion Financial Net Margin % Related Terms
Medallion Financial Net Margin % Historical Data
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The historical data trend for Medallion Financial's Net Margin % 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.
FRA:MD5 vs PMTS, LX, TROO: Net Margin % Comparison
For the Credit Services subindustry, Medallion Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Medallion Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Medallion Financial's Net Margin % falls into.
* 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 (FRA:MD5) has a Net Margin % of 9.36% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Medallion Financial and its competitors. This is 49% below median its historical median of 18.40. According to the industry distribution chart, Medallion Financial ranks #263 out of 537 companies in the Credit Services industry, placing it in the top 49%.
Is Medallion Financial's Net Margin % too high?
Medallion Financial's current Net Margin % of 9.36% is 49% below median its 10-year median of 18.40. The Credit Services industry median Net Margin % is 15.07. Medallion Financial's value of 9.36% is 37.9% below this industry median. Based on the distribution chart, Medallion Financial ranks #263 out of 537 companies in the Credit Services industry, which is above the industry midpoint. 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 Net Margin % compare to PMTS and LX?
According to the Credit Services industry distribution chart, Medallion Financial ranks #263 out of 537 companies for Net Margin %. This puts Medallion Financial in the upper half of its industry. The industry median Net Margin % is 15.07. Medallion Financial's value of 9.36% is 37.9% below this benchmark. While the company's 10-year median is 18.40 vs. the industry median of 15.07, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.07, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Medallion Financial's current Net Margin % of 9.36% is 37.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Medallion Financial and its competitors. For the Credit Services industry, the median Net Margin % is 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Medallion Financial's current Net Margin % is 9.36%, which is 49% below median its own 10-year median of 18.40. 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 Net Margin % of 9.36%. 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 Net Margin % is 9.36%, which is 49% below median its 10-year median of 18.40 and 37.9% below the Credit Services industry median of 15.07. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Medallion Financial (FRA:MD5), the current Net Margin % is 9.36% as of Mar. 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:
Net Margin %: 9.36% (49% below median its 10-year median of 18.40)
GF Value™: €8.41 vs. price of €8.40 (0.1% below fair value)
Industry Position: 37.9% below the Credit Services median (#263 of 537)
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 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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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