Medallion FinancialSTU:MD5 +3.09%59 OCF Margin % is 78.06% as of Mar. 2026, which is 26% above its 10-year median of 62.05. GuruFocus rates STU:MD5 with a GF Score™ of 59/100 and a GF Value™ of €8.57. The stock has 3 warning signs investors should review. Among 531 Credit Services companies, Medallion Financial ranks better than 80.04% on this metric.
The historical rank and industry rank for Medallion Financial's OCF Margin % or its related term are showing as below:
STU:MD5'
s OCF Margin % Range Over the Past 10 Years
Min: 51.34 Med: 62.05 Max: 223.5
Current: 56.7
During the past 13 years, the highest OCF Margin % of Medallion Financial was 223.50%. The lowest was 51.34%. And the median was 62.05%.
STU:MD5's OCF Margin % is ranked better than 80.04% of 531
companies
in the Credit Services industry
Industry Median: 2.61
vs STU:MD5: 56.70
Medallion Financial OCF Margin % Related Terms
Medallion Financial OCF Margin % Historical Data
* Premium members only.
The historical data trend for Medallion Financial's OCF 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.
STU:MD5 vs JFIN, OPRT, CPSS: OCF Margin % Comparison
For the Credit Services subindustry, Medallion Financial's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Medallion Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Medallion Financial's OCF 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 (STU:MD5) has a OCF Margin % of 78.06% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Medallion Financial and its competitors. This is 26% above median its historical median of 62.05. Over the past decade, Medallion Financial's OCF Margin % has ranged from 51.34 to 223.50. According to the industry distribution chart, Medallion Financial ranks #106 out of 531 companies in the Credit Services industry, placing it in the top 20%.
Is Medallion Financial's OCF Margin % too high?
Medallion Financial's current OCF Margin % of 78.06% is 26% above median its 10-year median of 62.05. Over the past 10 years, this metric has ranged from a low of 51.34 to a high of 223.50. The Credit Services industry median OCF Margin % is 2.61. Medallion Financial's value of 78.06% is 2890.8% above this industry median. Based on the distribution chart, Medallion Financial ranks #106 out of 531 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 59/100, reflecting its overall financial health beyond just this single metric.
How does Medallion Financial's OCF Margin % compare to JFIN and OPRT?
According to the Credit Services industry distribution chart, Medallion Financial ranks #106 out of 531 companies for OCF Margin %. This places Medallion Financial in the top 20% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.61. Medallion Financial's value of 78.06% is 2890.8% above this benchmark. Historically, Medallion Financial's own OCF Margin % has ranged from 51.34 to 223.50 over the past decade. While the company's 10-year median is 62.05 vs. the industry median of 2.61, Medallion Financial has consistently been above 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.61, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Medallion Financial's current OCF Margin % of 78.06% is 2890.8% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Medallion Financial and its competitors. For the Credit Services industry, the median OCF Margin % is 2.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Medallion Financial's current OCF Margin % is 78.06%, which is 26% above median its own 10-year median of 62.05. 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 (STU:MD5) has a current OCF Margin % of 78.06%. The stock's GF Value™ is €8.57, compared to a current price of €8.35 — trading 2.6% below its estimated fair value. The current OCF Margin % is 78.06%, which is 26% above median its 10-year median of 62.05 and 2890.8% above the Credit Services industry median of 2.61. Medallion Financial's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Medallion Financial (STU:MD5), the current OCF Margin % is 78.06% 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 (STU:MD5) Overvalued in 2026?
Based on GuruFocus' analysis, Medallion Financial stock appears to be undervalued.
The current stock price of €8.35 is trading 2.6% below its estimated GF Value™ of €8.57.
Key valuation signals for STU:MD5:
OCF Margin %: 78.06% (26% above median its 10-year median of 62.05)
GF Value™: €8.57 vs. price of €8.35 (2.6% below fair value)
Industry Position: 2890.8% above the Credit Services median (#106 of 531)
No single metric tells the full story. See the STU: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.
59GF Score
Get the complete analysis for STU:MD5
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:MD5 has been successfully added to your 
