NASDAQ$MFIN
Medallion Financial Corp · Q2 2025 earnings
Q2 2025 earnings · · After market close · Investor relations
Briefing
Medallion Financial Corp reported net income attributable to shareholders of $11.1 million for the second quarter of 2025.
Medallion Financial Corp achieved net interest income of $53.4 million in Q2 2025, supported by growth in its recreation and home improvement loan portfolios. The company recorded a provision for credit losses of $21.6 million amid elevated delinquencies in certain segments. Net income attributable to shareholders reached $11.1 million, or $0.46 per diluted share, reflecting strong other income from equity investments and strategic partnership fees.
- Total interest income rose to $77.4 million, driven by higher yields on new consumer loan originations.
- Net interest margin before allowance was 8.09%, with borrowing costs increasing due to higher deposit rates.
- Recreation lending originations totaled $142.8 million, while home improvement originations were $54.3 million as the company prioritized credit quality.
- Allowance for credit losses increased to $106.9 million, representing 4.43% of loans held for investment.
Headline financials
Revenue & EPS history
Medallion · Revenue · Quarterly
$62.6M
Revenue by segment
Medallion · $75M total across 3 segments · Q2 2025
- Recreation Lending$51.1M—68.1%
- Home Improvement Lending$20.1M—26.8%
- Commercial Lending$3.76M—5.0%
Forward guidance
The company continues to monitor economic conditions including interest rates and inflation while focusing on consumer lending growth.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports
+1.5%
Avg return
Earnings day
+3.1%
Avg return
5 days after
+3.7%
Avg return
30 days after
63%
25 / 40 earnings
Positive
+30.1%
Q3 2016
Best reaction
-32.4%
Q2 2016
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q2 2025 | — | — | — | |
| Q1 2026 | -1.0% | +0.1% | +5.0% | |
| Q4 2025 | -2.0% | -5.0% | -21.2% | |
| Q3 2025 | +1.7% | -0.1% | +1.3% | |
| Q1 2025 | +0.3% | +0.8% | +3.8% | |
| Q4 2024 | +7.2% | +9.7% | +0.6% | |
| Q3 2024 | +2.0% | +4.5% | +2.5% | |
| Q2 2024 | +2.9% | -1.9% | +0.1% | |
| Q1 2024 | -1.1% | +1.5% | +6.8% | |
| Q4 2023 | -10.7% | -6.5% | -12.3% | |
| Q3 2023 | +11.8% | +29.9% | +44.6% | |
| Q2 2023 | +7.1% | +14.6% | +1.0% | |
| Q1 2023 | +5.7% | +3.0% | +6.7% | |
| Q4 2022 | +4.8% | +2.8% | -2.3% | |
| Q3 2022 | +5.0% | +2.1% | +1.8% | |
| Q2 2022 | +10.3% | +11.8% | +32.6% | |
| Q1 2022 | +10.5% | +4.0% | +2.6% | |
| Q4 2021 | +11.9% | +18.2% | +28.9% | |
| Q3 2021 | +6.2% | +4.9% | -9.6% | |
| Q2 2021 | +2.4% | +2.0% | -0.7% | |
| Q1 2021 | +3.9% | +5.5% | +6.1% | |
| Q4 2020 | +1.5% | +2.5% | +9.1% | |
| Q3 2020 | +9.1% | +19.0% | +111.0% | |
| Q2 2020 | -4.9% | -4.6% | -9.1% | |
| Q1 2020 | -21.5% | -29.0% | -20.5% | |
| Q4 2019 | +0.0% | -6.5% | -57.1% | |
| Q3 2019 | +1.3% | +3.0% | -5.6% | |
| Q2 2019 | -8.5% | -7.1% | -4.5% | |
| Q1 2019 | +0.7% | +5.3% | -10.4% | |
| Q1 2016 | -4.4% | -7.2% | +5.5% | |
| Q4 2018 | +2.2% | -0.7% | -0.6% | |
| Q3 2018 | -9.1% | -12.9% | -18.9% | |
| Q2 2018 | -4.9% | -6.2% | -4.0% | |
| Q1 2018 | +19.1% | +41.5% | +51.3% | |
| Q4 2017 | -2.0% | -1.3% | +2.4% | |
| Q3 2017 | +4.4% | +21.8% | +22.3% | |
| Q2 2017 | -10.7% | -7.9% | -7.5% | |
| Q1 2017 | -0.5% | +6.4% | +14.2% | |
| Q4 2016 | +10.0% | +12.8% | +6.1% | |
| Q3 2016 | +30.1% | +13.8% | +8.9% | |
| Q2 2016 | -32.4% | -21.5% | -43.4% |
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