Medallion Financial vs OppFi
MFIN and OPFI side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How MFIN and OPFI compare
OppFi is the larger company, worth 2.3 times as much as Medallion Financial ($506M against $218M).
Medallion Financial grew revenue faster over the last twelve months (4.1% versus −6.5% for OppFi).
OppFi keeps more of each dollar of sales as profit, with a net margin of 26.9% compared with 10.8% at Medallion Financial.
Medallion Financial pays a dividend yielding 5.7%; OppFi does not pay one.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | MFIN | OPFI |
|---|---|---|
| Size and price | ||
| Market cap | $218M | $506M |
| Share price | $9.49 | $5.94 |
| Change, 1 year | −5.0% | −39.6% |
| Change, 5 years | 15.2% | 3.1% |
| Beta (5Y) | 0.79 | 1.04 |
| Employees | 179 | 410 |
| StockData Score | ||
| Total score | 13 | 13 |
| Valuation score | 3 | 3 |
| Growth score | 1 | 2 (better) |
| Performance score | 2 | 4 (better) |
| Health score | 3 | 4 (better) |
| Dividend score | 4 (better) | 0 |
| Valuation | ||
| P/E | 8.5× | – |
| P/S | 0.9× (better) | 1.4× |
| P/B | 0.5× (better) | 1.1× |
| EV/EBITDA | – | 3.0× |
| P/FCF | – | 1.4× |
| FCF yield | – | 72.4% |
| Fair value | $9.79 | $21.88 |
| Margin of safety | 3.1% | 72.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 4.1% (better) | −6.5% |
| Revenue growth, 5Y average | 19.4% (better) | 13.7% |
| Net income growth (TTM) | −34.1% | 2341% (better) |
| EPS growth (TTM) | −35.1% | – |
| Profitability | ||
| Operating margin | – | 36.3% |
| Net margin | 10.8% | 26.9% (better) |
| FCF margin | – | 104% |
| Return on equity | 6.8% | 38.4% (better) |
| Return on invested capital | – | 70.5% |
| Financial health | ||
| Debt / equity | 0.19 (better) | 0.00 |
| Altman Z-score | 0.19 | 1.75 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 5.7% (better) | 0.00% |
| Payout ratio | 45.0% | – |
| Years of dividend growth | – | 1 |
| Buyback yield | 6.1% (better) | 5.2% |
| Shareholder yield | 11.8% (better) | 5.2% |
| Ownership | ||
| Held by institutions | 34.5% | 26.3% |
| Held by insiders | 31.5% | 66.1% |
| Insider net buying, 12 months | – | −$381K |
| Short interest, % of float | – | 15.8% |
Go deeper
- MFIN stock overview
- MFIN income statement
- MFIN valuation and score
- OPFI stock overview
- OPFI income statement
- OPFI valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.