Medallion Financial vs SoFi Technologies
MFIN and SOFI 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 SOFI compare
SoFi Technologies is the larger company, worth 91 times as much as Medallion Financial ($19.9B against $218M).
On earnings, Medallion Financial is cheaper: it trades at 8.5× trailing earnings, against 28.0× for SoFi Technologies.
SoFi Technologies grew revenue faster over the last twelve months (5.5% versus 4.1% for Medallion Financial).
SoFi Technologies keeps more of each dollar of sales as profit, with a net margin of 120% compared with 10.8% at Medallion Financial.
Medallion Financial pays a dividend yielding 5.7%; SoFi Technologies does not pay one.
Medallion Financial scores higher on the StockData Score (13 against 10 for SoFi Technologies), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | MFIN | SOFI |
|---|---|---|
| Size and price | ||
| Market cap | $218M | $19.9B |
| Share price | $9.49 | $15.42 |
| Change, 1 year | −5.0% | −52.1% |
| Change, 5 years | 15.2% | −24.3% |
| Beta (5Y) | 0.79 | 2.05 |
| Employees | 179 | 6,100 |
| StockData Score | ||
| Total score | 13 (better) | 10 |
| Valuation score | 3 (better) | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 2 | 3 (better) |
| Health score | 3 | 4 (better) |
| Dividend score | 4 (better) | 0 |
| Valuation | ||
| P/E | 8.5× (better) | 28.0× |
| P/S | 0.9× (better) | 32.3× |
| P/B | 0.5× (better) | 1.8× |
| FCF yield | – | −52.9% |
| Fair value | $9.79 | $14.32 |
| Margin of safety | 3.1% (better) | −7.7% |
| Growth | ||
| Revenue growth (TTM) | 4.1% | 5.5% (better) |
| Revenue growth, 5Y average | 19.4% | 43.1% (better) |
| Net income growth (TTM) | −34.1% | 15.2% (better) |
| EPS growth (TTM) | −35.1% | 3.8% (better) |
| Profitability | ||
| Gross margin | – | −20.4% |
| Net margin | 10.8% | 120% (better) |
| FCF margin | – | −1709% |
| Return on equity | 6.8% | 7.4% (better) |
| Financial health | ||
| Debt / equity | 0.19 (better) | 0.00 |
| Altman Z-score | 0.19 | 0.22 (better) |
| Piotroski F-score | 6 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | 5.7% (better) | 0.00% |
| Payout ratio | 45.0% | – |
| Years of dividend growth | – | 0 |
| Buyback yield | 6.1% (better) | −7.9% |
| Shareholder yield | 11.8% (better) | −7.9% |
| Ownership | ||
| Held by institutions | 34.5% | 50.7% |
| Held by insiders | 31.5% | 6.9% |
| Insider net buying, 12 months | – | −$7.8M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | – | 18.6% |
Go deeper
- MFIN stock overview
- MFIN income statement
- MFIN valuation and score
- SOFI stock overview
- SOFI income statement
- SOFI valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.