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Medallion Financial MFIN Consumer Lending — Reserve Coverage Ratio

Other segment segments

Commercial Lending
8%+13.1%

Similar metrics at other companies

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WFCAllowance for loan losses as a percentage of total loans
1.4%-0.2pp
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PNCInvestment securities, allowance for credit loss
$66M-2.9%
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VLYAllowance For Credit Losses
$599.8M+1.0%

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 consumer lending — reserve coverage ratio?
Medallion Financial (MFIN) reported consumer lending — reserve coverage ratio of 5.2% in Q1 2026.
How has Medallion Financial's consumer lending — reserve coverage ratio changed year-over-year?
Medallion Financial's consumer lending — reserve coverage ratio increased by 3.8% year-over-year, from 5% to 5.2%.
What is the long-term trend for Medallion Financial's consumer lending — reserve coverage ratio?
Over 3 years (2022 to 2025), Medallion Financial's consumer lending — reserve coverage ratio has grown at a 14.5% compound annual growth rate (CAGR), from 10.2% to 15.4%.
What does consumer 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 within the consumer lending segment. It indicates the company's preparedness to absorb potential future credit losses based on the current risk profile of the portfolio. A higher ratio suggests a more conservative approach to credit risk management.