Medallion Financial Corp. Financial Ratios — MD5 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	11.47	12.64	10.52	10.47	10.63	8.34	0.1	-9.11	-0.67	-14.07	20.87	14.89	17.09	10.06	11.96
Return on Assets (%)	3.52	4.54	4.53	4.68	4.45	3.41	0.04	-2.48	-0.12	-2.18	3.08	2.12	2.27	1.32	1.6
Return on Capital (%)	3.69	4.89	4.86	5.01	4.74	3.76	- -	- -	-1.04	- -	8.83	6.37	7.75	4.28	4.86
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	57.89	64.11	62.21	61.6	63.72	75.29	-131.67	-12.2	2.07	-30.15	53.39	41.82	45.31	30.99	32.82
Profit Margin (%)	57.89	64.11	62.21	61.6	63.72	25.5	4.66	-28.5	-1.56	-28.36	35.29	27.02	29.01	17.67	19.13
Net Income to Common Margin (%)	57.89	64.11	62.21	61.6	63.72	25.5	4.66	-28.5	-1.56	-28.36	35.29	27.02	29.01	17.67	19.13
Effective Tax Rate (%)	- -	- -	- -	- -	- -	66.12	- -	- -	14.59	- -	29.58	26.47	28.95	33.38	30.72
Dvd Payout Ratio (%)	63.93	66.82	75.81	83.27	82.97	61.96	52.16	-0.32	- -	- -	- -	13.49	11.47	19.58	17.11
Sustainable Growth Rate (%)	4.14	4.19	2.55	1.75	1.81	3.17	0.05	-9.14	-0.67	-14.07	20.87	12.88	15.13	8.09	9.91

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	325	290	282	316	372	316	295	214	228	254	231	230	253	289	318
ST Debt	- -	- -	- -	- -	- -	- -	- -	55	40	89	2	7	11	51	97
LT Debt	325	290	282	316	372	316	295	159	187	165	229	223	243	237	221
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	31.94	39.8	45.96	43.44	40.36	41.5	45.18	19	17.07	14.09	15.32	13.35	13.25	12.9	13.83
Long-Term Debt/Equity (%)	189.37	133.96	103.09	114.97	133.61	110.48	102.6	54.72	56.01	54.09	64.36	60.11	58.91	54.06	43.51
Long-Term Debt/Capital (%)	65.44	57.26	50.76	53.48	57.19	52.49	50.64	31.5	33.33	29.49	39.01	37.09	36.48	32.61	26.74
Long-Term Debt/Total Assets (%)	60.48	53.32	47.38	49.94	53.92	45.85	46.36	11.49	12.15	10.03	12.23	9.86	9.37	8.27	7.48
Total Debt/Equity (%)	189.37	133.96	103.09	114.97	133.61	110.48	102.6	73.74	68.07	83.42	64.98	62.05	61.46	65.74	62.69
Total Debt/Capital (%)	65.44	57.26	50.76	53.48	57.19	52.49	50.64	42.44	40.5	45.48	39.39	38.29	38.06	39.67	38.53
Total Debt/Total Assets (%)	60.48	53.32	47.38	49.94	53.92	45.85	46.36	15.49	14.77	15.47	12.34	10.17	9.78	10.06	10.78
Net Debt to Equity	191.5	-12.42	-19.08	-17.14	-11.12	-7.33	109.67	65.52	59.23	62.16	44.54	50.24	46.37	41.67	34.44
Net Debt/Capital (%)	70.34	-5.61	-10.37	-8.66	-5	-3.61	55.34	39.58	36.19	37.35	30.16	32.81	31.19	29.07	25.35
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	31.94	39.8	45.96	43.44	40.36	41.5	45.18	19	17.07	14.09	15.32	13.35	13.25	12.9	13.83
Long-Term Debt/Equity (%)	189.37	133.96	103.09	114.97	133.61	110.48	102.6	54.72	56.01	54.09	64.36	60.11	58.91	54.06	43.51
Long-Term Debt/Capital (%)	65.44	57.26	50.76	53.48	57.19	52.49	50.64	31.5	33.33	29.49	39.01	37.09	36.48	32.61	26.74
Long-Term Debt/Total Assets (%)	60.48	53.32	47.38	49.94	53.92	45.85	46.36	11.49	12.15	10.03	12.23	9.86	9.37	8.27	7.48
Total Debt/Equity (%)	189.37	133.96	103.09	114.97	133.61	110.48	102.6	73.74	68.07	83.42	64.98	62.05	61.46	65.74	62.69
Total Debt/Capital (%)	65.44	57.26	50.76	53.48	57.19	52.49	50.64	42.44	40.5	45.48	39.39	38.29	38.06	39.67	38.53
Total Debt/Total Assets (%)	60.48	53.32	47.38	49.94	53.92	45.85	46.36	15.49	14.77	15.47	12.34	10.17	9.78	10.06	10.78
CFO/Total Liabilities	2.57	3.09	4.7	-2.77	-10.86	15.27	3.82	6.1	5.38	5.88	5.19	5.76	5.23	4.47	5.16
CFO/CapEx	43.55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	25.85	- -	- -	- -	- -	- -	- -	22.08	14.05	12.91	14.63	13.97	14.52	14.08	14.02
Days Sales Outstanding	14.12	- -	- -	- -	- -	- -	- -	16.53	25.99	28.27	24.94	26.13	25.14	25.93	26.03
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	70	93	104	173	127	165	161	228	216	238
- Cash & Cash Equivalents	29	27	52	47	31	21	13	24	15	52	61	33	53	98	136
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	28	71	73	69	69	69	69	99
+ Total Debt	325	290	282	316	372	316	295	214	228	254	231	230	253	289	318
Enterprise Value	- -	- -	- -	- -	- -	365	375	276	408	355	359	378	443	420	518
Total Capital	496	506	555	590	650	602	582	504	562	559	587	600	665	728	827
Total Debt/Capital (%)	65.44	57.26	50.76	53.48	57.19	52.49	50.64	42.44	40.5	45.48	39.39	38.29	38.06	39.67	38.53
Total Debt / EV	- -	- -	- -	- -	- -	0.86	0.79	0.77	0.56	0.71	0.64	0.61	0.57	0.69	0.62
EV/Sales	- -	- -	- -	- -	- -	3.96	62.86	3.15	3.61	2.9	2.34	2.33	2.33	2.07	2.13
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	5.93	- -	- -	6.28	- -	4.56	3.47	3.89	3.86	4.1
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	5.93	- -	- -	6.28	- -	4.56	3.47	3.89	3.86	4.1
Diluted Market Cap	- -	- -	- -	- -	- -	71	92	103	172	125	164	167	226	220	248
Diluted Enterprise Value	- -	- -	- -	- -	- -	366	374	276	407	353	358	384	441	424	527
EV per Share	- -	- -	- -	- -	- -	15.21	15.39	11.31	16.55	14.29	14.27	16.37	18.88	18.15	22.2
TTM Sales	33	38	41	47	46	92	6	88	113	123	153	162	190	203	243
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	9	10	15	-10	-45	62	- -	- -	65	- -	79	109	114	109	126
TTM Free Cash Flow to Firm	9	10	15	-10	-45	62	- -	- -	65	- -	79	109	114	109	126

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	1.15	6.88	1.55	2.65	1.58	2.08	1.53	1.98	2.02	1.96
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	365	375	276	408	355	359	378	443	420	518
Low Price	- -	- -	- -	- -	- -	2.86	1.66	3.49	4.29	1.3	4.82	5.34	5.68	6.73	7.6
EV/Sales	- -	- -	- -	- -	- -	3.96	62.86	3.15	3.61	2.9	2.34	2.33	2.33	2.07	2.13
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	3	327.99	- -	- -	- -	2.99	3.74	3.97	5.85	5
Price/Earnings Average	- -	- -	- -	- -	- -	5.71	205.59	- -	- -	- -	3.58	3.89	3.17	5.3	4.62
Price/Earnings High	- -	- -	- -	- -	- -	9.41	352.79	- -	- -	- -	4.24	5.16	4.14	6.41	5.28
Price/Earnings Low	- -	- -	- -	- -	- -	2.93	143.11	- -	- -	- -	2.19	2.88	2.32	4.23	3.72
Price/Book Value	- -	- -	- -	- -	- -	0.25	0.32	0.4	0.66	0.55	0.58	0.53	0.66	0.58	0.58
Price/Book Value Average	- -	- -	- -	- -	- -	0.47	0.2	0.49	0.56	0.39	0.69	0.55	0.53	0.53	0.54
Price/Book Value High	- -	- -	- -	- -	- -	0.77	0.35	0.67	0.71	0.77	0.82	0.73	0.69	0.64	0.62
Price/Book Value Low	- -	- -	- -	- -	- -	0.24	0.14	0.32	0.4	0.14	0.42	0.41	0.39	0.42	0.43
Price/Tangible Book Value	- -	- -	- -	- -	- -	0.25	0.32	1.8	2.89	4.29	1.47	1.25	1.33	1.08	0.99
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	0.47	0.2	2.23	2.48	3.09	1.76	1.29	1.06	0.97	0.92
Price/Tangible Book Value High	- -	- -	- -	- -	- -	0.77	0.35	3.04	3.13	6.07	2.08	1.72	1.38	1.18	1.05
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	0.24	0.14	1.47	1.77	1.09	1.08	0.96	0.78	0.78	0.74
Price/Sales	- -	- -	- -	- -	- -	0.77	15.3	1.17	1.51	1.02	1.05	1.01	1.15	1.03	0.96
Price/Sales Average	- -	- -	- -	- -	- -	1.46	9.59	1.45	1.3	0.73	1.26	1.05	0.92	0.94	0.88
Price/Sales High	- -	- -	- -	- -	- -	2.4	16.45	1.98	1.64	1.43	1.5	1.39	1.2	1.13	1.01
Price/Sales Low	- -	- -	- -	- -	- -	0.75	6.67	0.96	0.92	0.26	0.77	0.78	0.67	0.75	0.71
Price/Cash Flow	- -	- -	- -	- -	- -	1.15	6.84	1.55	2.62	1.58	2.05	1.51	1.92	1.93	1.84
Price/Cash Flow Average	- -	- -	- -	- -	- -	2.18	4.29	1.92	2.26	1.14	2.46	1.57	1.53	1.75	1.7
Price/Cash Flow High	- -	- -	- -	- -	- -	3.59	7.36	2.62	2.85	2.24	2.92	2.08	2	2.12	1.94
Price/Cash Flow Low	- -	- -	- -	- -	- -	1.12	2.99	1.27	1.61	0.4	1.51	1.16	1.12	1.4	1.37
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	2.18	4.31	1.92	2.28	1.14	2.49	1.59	1.58	1.83	1.81
Price/Free Cash Flow High	- -	- -	- -	- -	- -	3.6	7.4	2.62	2.88	2.24	2.96	2.11	2.07	2.22	2.07
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	1.12	3	1.27	1.62	0.4	1.53	1.18	1.16	1.46	1.46
EV/Sales Average	- -	- -	- -	- -	- -	4.65	57.05	3.43	3.4	2.61	2.56	2.37	2.09	1.97	2.05
EV/Sales High	- -	- -	- -	- -	- -	5.59	64.04	3.96	3.74	3.32	2.8	2.7	2.38	2.17	2.18
EV/Sales Low	- -	- -	- -	- -	- -	3.95	54.09	2.93	3.02	2.13	2.05	2.1	1.83	1.77	1.88
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	2.93	3.81	4.26	7	5.09	6.57	6.96	9.71	9.32	10.22
High Price	- -	- -	- -	- -	- -	9.17	4.1	7.2	7.6	7.2	9.33	9.6	10.12	10.21	10.78
Enterprise Value Average	- -	- -	- -	- -	- -	429	340	301	384	320	392	384	397	399	499
Enterprise Value High	- -	- -	- -	- -	- -	516	382	348	423	408	429	438	452	440	531
Enterprise Value Low	- -	- -	- -	- -	- -	364	322	258	341	261	315	340	348	360	456

Shares Outstanding	18	22	25	25	24	24	24	24	25	25	25	23	23	23	23
Diluted Weighted Avg Shares	18	20	22	25	24	24	24	24	25	24	25	24	23	24	24
Basic Weighted Avg Shares	17	20	22	25	24	24	24	24	24	24	25	24	23	23	23
Revenue per Share	1.9	1.92	1.9	1.87	1.9	3.82	0.25	3.63	4.64	5.02	6.23	6.88	8.43	9.01	10.69
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.1	1.23	1.18	1.15	1.21	0.97	0.01	-1.03	-0.07	-1.42	2.2	1.86	2.45	1.59	2.04
Basic EPS from Cont Ops	1.1	1.23	1.18	1.15	1.21	0.97	0.01	-0.94	0.08	-1.1	2.34	2.12	2.72	1.86	2.43
Diluted EPS, GAAP	1.09	1.21	1.16	1.14	1.2	0.97	0.01	-1.03	-0.07	-1.42	2.17	1.83	2.37	1.52	1.92
Diluted EPS from Cont Ops	1.09	1.21	1.16	1.14	1.2	0.97	0.01	-0.94	0.08	-1.1	2.31	2.08	2.63	1.78	2.28
Dividend per Share	0.7	0.82	0.89	0.96	1	0.6	0.01	- -	- -	- -	- -	0.32	0.34	0.42	0.48
Cash Flow per Share	0.54	0.51	0.69	-0.4	-1.83	2.55	0.56	2.75	2.67	3.22	3.2	4.61	5.05	4.82	5.54
Free Cash Flow per Basic Share	0.53	0.51	0.69	-0.4	-1.83	2.55	0.56	2.75	2.67	3.22	3.2	4.61	5.05	4.82	5.54
Cash & Equivalents per Share	1.66	1.24	2.09	1.91	1.27	0.87	0.52	2.83	2.59	3.96	4.22	3.54	4.56	6.62	5.95
Book Value per Share	9.68	9.99	10.95	11.16	11.42	11.91	11.8	10.75	10.68	9.3	11.4	13.08	14.63	16	17.53
Tangible Book Value per Share	9.39	9.76	10.75	10.95	11.21	11.91	11.8	2.37	2.43	1.19	4.48	5.59	7.32	8.65	10.3

Medallion Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)