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Medallion Financial MFIN Commercial Lending — Reserve Coverage Ratio

Other segment segments

Consumer Lending
5.2%+3.8%

Similar metrics at other companies

Provident Financial Services logo
PFSFinancing receivable, coverage ratio (as a percent)
1%-0.1pp
Envela logo
ELACommercial — Accounts And Financing Receivable Allowance For Credit Loss
$544.64K+19.8%
Wells Fargo & Company logo
WFCAllowance for loan losses as a percentage of total loans
1.4%-0.2pp
State Street logo
STTAllowance for credit losses
$168M-4.5%
Bank of America logo
BACCommercial Reservable Criticized Utilized Exposure Percentage
3.2%-0.9pp
Alpine Income Property Trust logo
PINEProceeds From Commercial Loan Reserves
$8.18M+295%

Other financials

Income statement

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Net income$5.0M-58.8%
EPS (diluted)$0.20-60.0%

Balance sheet

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Cash & equivalents$93.9M-28.6%
Total debt$265.4M-16.6%
Total equity$408.1M+7.3%
Total assets$3.0B+3.6%

Cash flow

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Operating cash flow$41.3M+24.6%

Valuation

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Market cap$235.98M+7.7%
Enterprise value$407.43M+1.4%
P/E6.6×+1.3×

Returns & leverage

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Return on equity9.1%-1.3pp
Debt / equity0.7×-0.2×

Where this comes from

Reported directly by Medallion Financial in its filing.

Tagged under the XBRL concept mfin:ReserveCoverageRatio.

The official record: Medallion Financial’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Medallion Financial's commercial lending — reserve coverage ratio?
Medallion Financial (MFIN) reported commercial lending — reserve coverage ratio of 8% in Q1 2026.
How has Medallion Financial's commercial lending — reserve coverage ratio changed year-over-year?
Medallion Financial's commercial lending — reserve coverage ratio increased by 13.1% year-over-year, from 7% to 8%.
What is the long-term trend for Medallion Financial's commercial lending — reserve coverage ratio?
Over 3 years (2021 to 2024), Medallion Financial's commercial lending — reserve coverage ratio has grown at a 106.8% compound annual growth rate (CAGR), from 1.5% to 13.2%.
What does commercial lending — reserve coverage ratio mean?
This ratio measures the adequacy of the allowance for loan and lease losses relative to the total outstanding loan portfolio. It reflects the company's assessment of potential credit losses and its ability to absorb future defaults within the commercial lending segment. A higher ratio generally suggests a more conservative approach to risk management and greater protection against credit deterioration.