UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-37747 MEDALLION FINANCIAL CORP. (Exact Name of Registrant as Specified in Its Charter) DELAWARE 04-3291176 (State of Incorpo ...

业绩总结 - 2024年第三季度净利息收入为5270万美元，同比增长8%[5] - 2024年第三季度净收入为860万美元，较去年同期的1120万美元下降了23.2%[5] - 2024年第三季度每股摊薄收益为0.37美元[5] - 2024年第三季度的股息从每股0.10美元提高至0.11美元[5] - 2024年第三季度回购了122,344股股票，总金额为100万美元[5] 用户数据 - 2024年第三季度贷款发放总额为2.756亿美元[5] - 消费贷款组合中，休闲贷款占比63%，总额为15.55亿美元，同比增长16%[7] 信用风险 - 2024年第三季度的信用损失准备金增加至2020万美元，较去年同期的1450万美元增长了38.6%[5] - 2024年第三季度的净违约损失率为2.2%[16] 利率信息 - 2024年第三季度的净利息率为8.11%（总贷款）和8.42%（净贷款）[5]

财务数据和关键指标变化 - 公司在第三季度实现净收入860万美元，每股收益0.37美元，年初至今净收入超过2500万美元，每股收益1.09美元 [6][7] - 净利息收入同比增长8%，达到5270万美元，环比增长6% [15] - 净账面价值为每股15.70美元，较上季度的15.25美元和去年同期的14.06美元有所上升 [21] 各条业务线数据和关键指标变化 - 娱乐贷款部门在第三季度表现强劲，新增贷款139百万美元，同比增加50% [9] - 家庭改善贷款部门同比增长8%，贷款总额达到814百万美元，当前平均利率为9.76% [10] - 商业贷款部门保持稳定，贷款组合维持在110百万美元，平均利率接近13% [11] 各个市场数据和关键指标变化 - 当前贷款组合中，消费者贷款逾期90天以上的金额为900万美元，占总消费者贷款的0.39% [19] - 贷款总额达到25亿美元，同比增加13%，环比增加4% [18] 公司战略和发展方向和行业竞争 - 公司专注于提高借款人质量，减少次级信用贷款，以降低风险并提高财务表现 [7][8] - 公司计划继续回购股票，并在未来增加股息，以回报股东 [12][13] 管理层对经营环境和未来前景的评论 - 管理层对美联储降息表示乐观，认为这将有利于公司的业务表现 [8] - 管理层预计未来的贷款收益率将继续上升，尽管可能会面临更高质量客户的贷款收益率下降 [25][26] 其他重要信息 - 公司在第三季度回购了100万美元的普通股，平均股价为7.89美元 [12] - 董事会决定将季度股息提高10%至0.11美元 [13] 问答环节所有提问和回答 问题: 本季度是否有非经常性项目 - 财务官表示本季度没有非经常性项目，出租车勋章的回收略高于正常水平，增加了每股收益 [22] 问题: 预留比例是否与CECL相关 - 财务官确认预留比例是基于历史损失来计算的 [23] 问题: 美联储的宽松政策是否会影响预留比例 - 财务官表示预留比例主要取决于逾期和历史损失经验，而非美联储的政策 [24] 问题: 贷款收益率是否会因追求高质量客户而下降 - 财务官表示不会，仍能保持高水平的贷款发放 [25] 问题: 关于出租车勋章的回收对每股收益的影响 - 财务官指出，出租车勋章的回收对每股收益的影响约为0.08美元 [30] 问题: 未来的贷款发放展望 - 财务官预计第四季度的贷款发放可能会略有收缩 [29] 问题: 关于贷款利率和成本的看法 - 财务官表示，当前的贷款利率和成本接近底部，未来可能会有所改善 [34][35] 问题: 关于金融科技合作的经济效益 - 公司表示，金融科技合作的贷款收益主要来自于利息收入和手续费 [36][39] 问题: 未来的股息和回购计划 - 财务官表示，公司致力于回报股东，但不承诺每年固定的股息增长 [40][41] 问题: 有关有形账面价值的讨论 - 财务官提供了调整后的有形账面价值为每股10.17美元 [43] 问题: 关于贷款的平均期限 - 财务官表示，贷款的实际平均期限为36到42个月 [47] 问题: 关于金融科技合作的未来计划 - 公司计划每6个月增加1到2个金融科技合作伙伴 [55]

Medallion Financial (MFIN) reported $53.32 million in revenue for the quarter ended September 2024, representing a year-over-year increase of 0.4%. EPS of $0.37 for the same period compares to $0.48 a year ago. The reported revenue represents a surprise of +0.84% over the Zacks Consensus Estimate of $52.88 million. With the consensus EPS estimate being $0.36, the EPS surprise was +2.78%. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations ...

Medallion Financial (MFIN) came out with quarterly earnings of $0.37 per share, beating the Zacks Consensus Estimate of $0.36 per share. This compares to earnings of $0.48 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of 2.78%. A quarter ago, it was expected that this business development company would post earnings of $0.33 per share when it actually produced earnings of $0.30, delivering a surprise of -9.09%. Over the last f ...

财务状况 - 公司2021年第四季度营收为1.38亿美元，同比增长18%。[1] - 公司2021年全年营收为5.04亿美元，同比增长22%。[1] - 公司2021年第四季度毛利率为78.5%，同比提高1.5个百分点。[1] - 公司2021年全年毛利率为77.9%，同比提高1.1个百分点。[1] 业务发展 - 公司在2021年第四季度新增了超过1,000家付费客户，总付费客户数达到约15,000家。[1] - 公司在2021年全年新增了超过4,000家付费客户。[1] - 公司在2021年第四季度新增了超过100家大型企业客户，总大型企业客户数达到约1,000家。[1] - 公司在2021年全年新增了超过300家大型企业客户。[1] 未来展望 - 公司预计2022年第一季度营收将达到1.38亿至1.40亿美元，同比增长约15%至17%。[1] - 公司预计2022年全年营收将达到5.80亿至5.90亿美元，同比增长约15%至17%。[1] - 公司将继续专注于产品创新和客户服务,以推动未来增长。[1]

SALT LAKE CITY, Oct. 29, 2024 (GLOBE NEWSWIRE) -- Medallion Bank (Nasdaq: MBNKP, the "Bank"), an FDIC-insured bank specializing in consumer loans for the purchase of recreational vehicles, boats, and home improvements, as well as loan products and services offered through fintech strategic partners, today announced its results for the quarter ended September 30, 2024. The Bank is a wholly owned subsidiary of Medallion Financial Corp. (Nasdaq: MFIN). 2024 Third Quarter Highlights Net income of $15.5 million, ...

Wall Street expects a year-over-year decline in earnings on lower revenues when Medallion Financial (MFIN) reports results for the quarter ended September 2024. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on Oct ...

NEW YORK, Oct. 16, 2024 (GLOBE NEWSWIRE) -- Medallion Financial Corp. (NASDAQ: MFIN, the "Company"), a specialty finance company that originates and services loans in various consumer and commercial industries, as well as loan products and services offered through fintech strategic partners, announced today that it will report its results for the quarter ended September 30, 2024, after the market closes on Tuesday, October 29, 2024. CONFERENCE CALL AND WEBCAST INFORMATION A conference call to discuss the fi ...

2Q24 results show worrying trends that must be addressed immediately. Core charge-offs (YoY), ROAA, ROAE and holding company cash-burn trended poorly. Quarterly earnings, ROAA and core ROAA (Ex. Taxi Medallion) are at 3-year lows. Low Price/Tangible Book Value multiple may be an indication of market skepticism despite Russell 3000 inclusion. ZimCal believes that Medallion Financial Corp. has tremendous upside with the right governance and leadership. ZimCal previously provided MFIN with a version of its "5 ...