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Medallion Financial Noble Capital Markets Emerging Growth Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Noble Capital Markets Emerging Growth Conference summary3 Dec, 2025
Business overview and portfolio diversification
Diversified away from taxi medallion lending, now only 0.3% of portfolio.
Portfolio doubled in five years, reaching $2.4 billion, with market cap over $200 million.
Focus on niche lending segments: recreational, home improvement, commercial, and strategic partnerships.
Net interest margin exceeds 800 basis points, significantly above industry average.
Rec loans and home improvement lending are primary growth drivers, with strong FICO scores and high yields.
Lending segments and performance
Recreational loans: $1.6 billion, 15% yield, average FICO 685, sourced through 3,300 dealers.
Home improvement loans: 10% yield, super prime credits (FICO 767), average loan duration three years.
Commercial lending: $135 million, 15% average returns, aiming to double in 3–5 years.
Strategic partnerships: fintechs originate loans, company funds and sells back, business doubling annually.
Taxi medallion business nearly exited, but ongoing collections remain accretive.
Competitive advantages and growth strategy
Holds rare Utah Industrial Loan Bank Charter and evergreen SBIC license, providing regulatory and competitive edge.
Focus on small, high-yield loans overlooked by larger banks, leveraging long-term dealer relationships.
Recent talent lift-outs in home improvement expected to accelerate growth 10–20% annually.
Commercial lending targets below-the-radar deals, avoiding competition with large asset managers.
Post-2020, earnings exceeded previous 90 years combined, with $350 million pre-tax in last 4.5 years.
How does tech and data sustain niche lending?
Explain Medallion Capital's unpredictable gains?
How does low leverage enable bank growth?
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Next Medallion Financial earnings date
Q4 20256 Mar, 2026
Next Medallion Financial earnings date
Q4 20256 Mar, 2026
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Frequently asked questions
Medallion Financial Corp. is a specialty finance company that, through its subsidiaries, offers various consumer and commercial lending solutions. It operates in four main segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Taxi Medallion Lending. Medallion Financial provides loans for recreational vehicles and boats, home improvement projects such as window and roof replacements, and commercial loans for small to mid-sized businesses. It is also known for its legacy business of financing taxi medallions. Additionally, the company offers debt, mezzanine, and equity investment capital, and conducts banking activities through its wholly-owned subsidiary, Medallion Bank. The company is headquartered in NYC, and its shares are listed on the NASDAQ.
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