财务数据和关键指标变化 - 净利息收入同比增长10%至47.9百万美元,主要由于新增贷款利率上升和贷款组合增长 [17] - 净利差为8.1%,同比下降32个基点,主要由于资金成本上升100个基点,部分被新增贷款利率上升56个基点所抵消 [18][19][20] - 贷款组合规模同比增长12%至22亿美元,贷款收益率从10.78%上升至11.34% [21] 各条业务线数据和关键指标变化 - 休闲贷款业务规模达14亿美元,同比增长4%,平均利率上升38个基点至14.80% [9] - 家居装修贷款业务规模达7.52亿美元,同比增长12%,平均利率上升77个基点至9.60% [10][11] - 商业贷款业务规模增长12%至1.06亿美元,平均利率上升58个基点至13.0% [12] - 出租车贷款业务现金回收3.1百万美元,同比大幅下降,为利润贡献0.6百万美元 [13] 各个市场数据和关键指标变化 - 公司未提供各个市场的具体数据和指标变化 公司战略和发展方向及行业竞争 - 公司将通过审慎的贷款增长和利率定价来提高净利息收入 [14] - 公司将维持高信用标准,利用定价优势 [14] - 预计贷款增长将继续放缓,与2023年类似 [14] - 公司正在寻找新的战略合作伙伴,以拓展资产轻型的业务线,如与TriBeam的合作 [65][66][67][75][76] 管理层对经营环境和未来前景的评论 - 管理层对经营环境和未来前景持积极态度,认为公司有望继续保持良好的业绩表现 [8][14][41][46] 问答环节重要的提问和回答 问题1 **Christopher Nolan 提问** 询问90天以上逾期贷款情况 [27][28][29][30] **Anthony Cutrone 回答** 提供了具体的逾期贷款数据,并解释了季节性因素的影响 [28][30] 问题2 **Luke Horton 提问** 询问净利息收入季度环比下降的原因 [38][39][40][41][42] **Anthony Cutrone 回答** 解释了贷款组合增长放缓以及资金成本上升导致净利息收入下降,并表示预计未来将恢复增长 [41][46] 问题3 **Matthew Howlett 提问** 询问股票回购计划的执行情况及未来计划 [50][51][52][53][54] **Andrew Murstein 和 Anthony Cutrone 回答** 表示将根据资本需求和市场机会适时进行股票回购,并解释了当前的回购计划 [52][53][54]

Medallion Financial (MFIN) came out with quarterly earnings of $0.42 per share, beating the Zacks Consensus Estimate of $0.35 per share. This compares to earnings of $0.67 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 20%. A quarter ago, it was expected that this business development company would post earnings of $0.61 per share when it actually produced earnings of $0.60, delivering a surprise of -1.64%.Over the last four ...

Exhibit 99.1 FOR IMMEDIATE RELEASE: MEDALLION FINANCIAL CORP. REPORTS 2024 FIRST QUARTER RESULTS NEW YORK, NY – April 30, 2024 – Medallion Financial Corp. (NASDAQ: MFIN, “Medallion” or the “Company”), a specialty finance company that originates and services loans in various consumer and commercial industries, along with offering loan origination services to fintech strategic partners, announced today its results for the quarter ended March 31, 2024. 2024 First Quarter Highlights • Net income was $10.0 milli ...

公司概况 - Medallion Financial Corp.（NASDAQ：MFIN）是一家总部位于纽约市的金融公司，其最大的子公司Medallion Bank总部位于犹他州盐湖城[4] 财报公布 - 公司将于2024年3月31日结束的第一季度财报于2024年4月30日市场收盘后公布[1] 电话会议 - 公司将于2024年5月1日上午举行电话会议讨论财务结果[2] - 电话会议重播将在公司IR网站上提供，直到下一季度财报公布[3]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2023 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 Incorporation) ( ...

Andrew Murstein Matthew Howlett It seems like with the slower loan growth versus '23 and then the movement up in credit, you clearly don't have as much subprime as you did several years ago. I mean could we see sort of a more normalization in that line. So it doesn't throw off the earnings and the ROE, you're already generating 70% ROE, but I'm assuming it's going to be a lot higher, we get a normalization in that provision line. It's I think it's one of the things we were concerned about. And frankly, it's ...

FOR IMMEDIATE RELEASE: MEDALLION FINANCIAL CORP. REPORTS 2023 FOURTH QUARTER AND FULL-YEAR RESULTS NEW YORK, NY – February 20, 2024 – Medallion Financial Corp. (NASDAQ: MFIN, "Medallion" or the "Company"), a specialty finance company that originates and services loans in various consumer and commercial industries, along with offering loan origination services to fintech strategic partners, announced today its results for the quarter and full-year ended December 31, 2023. 2023 Fourth Quarter Highlights "Once ...

OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 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, 2023 For the transition period from to Commission file number 001-37747 MEDALLION FINANCIAL CORP. (Exact Name of Registrant as Specified in Its Charter) (State of Incorporation) (IRS Employe ...

ION 3RD QUARTER 2023 EARNINGS SUPPLEMENT October 30, 2023 Safe Harbor Information This presentation contains certain forward-looking statements, including statements with regard to the future performance of Medallion Financial Corp. ("MFIN" or the "Company"). Words such as "believes," "expects," "projects," "anticipates" and "future" or similar expressions are intended to identify forward-looking statements. These forward-looking statements are based on information available to us at the time of this presen ...

财务数据和关键指标变化 - 第三季度净利润为1.12亿美元,每股收益0.48美元,这是公司IPO以来9个月期间最好的业绩 [6][7] - 净利息收入同比增长16%至4.88亿美元,主要由于新增贷款利率上升和贷款规模增长 [14] - 净利差为8.35%,较上季度8.48%和上年同期8.63%有所下降,主要由于家庭装修贷款快速增长和资金成本上升 [15][16] - 信贷损失准备金为1.45亿美元,较上年同期1亿美元有所增加,主要由于消费贷款损失经历正常化和整体贷款规模增长 [17] - 营业费用为1.91亿美元,较上年同期1.94亿美元略有下降,主要由于法律和专业费用下降抵消了工资和服务成本的上升 [18] 各条业务线数据和关键指标变化 消费贷款业务 - 消费贷款业务第三季度新增贷款保持高位,主要集中在可拖拽式房车、小型船只和单一项目家装领域 [10] - 平均贷款金额约2.5万美元,面向信用良好的准优质借款人,更关注还款能力而非利率 [10] - 部分行业参与者收缩或退出,有利于公司获取更多业务 [10] 商业贷款业务 - 第三季度新增贷款9百万美元,季末贷款余额1亿美元 [11] - 该分部税后收益2百万美元,包括1.6百万美元的股权投资收益 [11] 出租车贷款业务 - 第三季度收回出租车贷款5.7百万美元,对每股收益贡献0.10美元 [11] - 第四季度又收回9.4百万美元,将产生约8百万美元税前收益 [12] 各个市场数据和关键指标变化 - 公司未提供具体的各个市场数据和关键指标变化信息 [无相关内容] 公司战略和发展方向及行业竞争 - 公司的战略是通过持续增加贷款规模来抵消资金成本上升,以维持净利息收入增长 [8] - 随着总资产超过25亿美元,未来贷款增速将适度放缓,有利于降低贷款损失准备金,为资本配置提供更多灵活性 [9] - 公司将采取更加审慎的信贷标准和提高定价,以应对即将到来的经济周期高峰 [8] - 出租车贷款业务将受益于即将实施的曼哈顿拥堵收费政策,有望推动出租车需求增加 [30] 管理层对经营环境和未来前景的评论 - 管理层对2024年前景持乐观态度,消费贷款、商业贷款和出租车贷款业务均有望保持良好增长 [30] - 公司将继续专注于现有业务,不会轻易进入新的业务领域 [48] - 公司有多种资本配置选择,如股票回购、提高股息等,以提高股东回报 [49][50] 问答环节重要的提问和回答 问题1 **Mike Grondahl 提问** - 未来净利差的走势如何 [23] - 各业务线的净充销率情况 [26] **Anthony Cutrone 回答** - 净利差预计将继续压缩至约8%左右,此后随着贷款利率的上升而逐步企稳 [24][25] - 消费贷款中娱乐贷款和家装贷款的净充销率分别为9百万美元和3百万美元,商业贷款为0,出租车贷款有170万美元的回收 [26] 问题2 **Christopher Nolan 提问** - 出租车贷款余额是否仍有2亿美元 [34] - 第四季度9.4百万美元的出租车贷款回收是否应该计入拨备 [36] **Andrew Murstein 和 Anthony Cutrone 回答** - 是的,公司法律上仍有2亿美元的出租车贷款余额,但已大幅减值 [34][35] - 是的,这9.4百万美元的回收将计入拨备,产生约8百万美元的税前收益 [36][37][39] 问题3 **Matt Howlett 提问** - 随着贷款增速放缓,公司是否考虑通过并购、股票回购等方式使用多余资本 [47] - 公司的信贷质量是否会在经济下行时大幅恶化 [51][52] **Andrew Murstein 和 Anthony Cutrone 回答** - 公司会审慎评估各种资本配置选择,包括并购、股票回购和提高股息等 [48][49][50] - 公司近年来已大幅提升信贷标准,不良贷款率不太可能像2009年那样大幅上升 [51][52]