Medallion Financial (FRA:MD5) Scaled Net Operating Assets: 0.22 (As of Mar. 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 Scaled Net Operating Assets?

Medallion Financial FRA:MD5 +1.20% 61 Scaled Net Operating Assets is 0.22 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Medallion Financial's operating assets for the quarter that ended in Mar. 2026 was €2,430.2 Mil. Medallion Financial's operating liabilities for the quarter that ended in Mar. 2026 was €1,885.5 Mil. Medallion Financial's Total Assets for the quarter that ended in Dec. 2025 was €2,524.0 Mil. Therefore, Medallion Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.22.

FRA:MD5
61GF Score
Medallion Financial Corp FRA:MD5
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Medallion Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Medallion Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2407.595-1818.115)/2739.519
=0.22

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2523.966 - 116.371
=2407.595

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2090.095 - 188.758 - 83.222
=1818.115

Medallion Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2430.174-1885.549)/2523.966
=0.22

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2552.17 - 121.996
=2430.174

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2113.172 - 189.131 - 38.492
=1885.549

* 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.

What does a Scaled Net Operating Assets of 0.22 mean?
Medallion Financial (FRA:MD5) has a Scaled Net Operating Assets of 0.22 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Medallion Financial and its competitors.
Is Medallion Financial's Scaled Net Operating Assets too high?
Medallion Financial's current Scaled Net Operating Assets is 0.22. 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 Scaled Net Operating Assets compare to PMTS and LX?
Medallion Financial's Scaled Net Operating Assets of 0.22 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Medallion Financial and its competitors. Medallion Financial's current Scaled Net Operating Assets is 0.22. 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 Scaled Net Operating Assets of 0.22. 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 Scaled Net Operating Assets is 0.22. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Medallion Financial (FRA:MD5), the current Scaled Net Operating Assets is 0.22 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:

  • Scaled Net Operating Assets: 0.22
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€8.40
Price
€8.41
GF Value