Medallion Financial Q4 Earnings Call Highlights

• Medallion delivered a grounds 2025 with full loans of $2.567 billion, full-year originations of $1.5 billion, nett involvement income of $216.9 million (Q4 NII $56.4 million) and nett income attributable to shareholders of $43.0 million, with nett involvement borderline astir 8.06%.

• Consumer lending remains the halfway business—recreation made up 63% of loans astatine $1.6 billion (Q4 originations $97.2 million) and location betterment was $810.2 million—but recognition actions roseate arsenic Q4 provisions jumped to $27.7 million and recreation nett charge-offs were $17.9 million.

• The company’s strategical concern programme deed a grounds $258.3 million successful Q4 originations (loans connected publication $15.1 million), equity concern gains were $8.8 million successful the 4th ($24.6 million FY), and absorption is targeting mid‑teens maturation successful 2026 portion expanding recreation and location improvement.

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Medallion Financial (NASDAQ:MFIN) executives outlined what they called a grounds twelvemonth successful 2025, pointing to maturation successful nett involvement income, nett income, originations, and full loans, portion besides discussing recognition trends, expenses, and priorities for 2026.

President and CEO Andrew Murstein said 2025 produced “solid show crossed our halfway fiscal metrics and operating segments,” with indebtedness request remaining steadfast and recognition show described arsenic solid. Total loans reached $2.567 billion astatine December 31, 2025, and full originations were $421 million successful the 4th fourth and $1.5 billion for the afloat year.

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Executive Vice President and CFO Anthony Cutrone reported fourth-quarter nett involvement income of $56.4 million, up 8% from the year-ago quarter, and full-year nett involvement income of $216.9 million, up 7% from 2024. Net involvement borderline was 8.04% successful the 4th (up 20 ground points twelvemonth implicit year) and 8.06% for the year, fundamentally level versus 2024.

Cutrone besides provided backing and output details, including a fourth-quarter full involvement output of 11.70% and an mean outgo of borrowings of 4.24%. At year-end, the mean involvement complaint connected deposits astatine Medallion Bank was 3.87%, up from 3.71% a twelvemonth earlier.

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Murstein said user lending remains the company’s largest and astir profitable concern enactment and highlighted maturation successful some portfolio size and involvement income. He stated user lending involvement income was $74.5 million for the 4th and $289.9 million for the year, up 5% compared with the aforesaid play past twelvemonth and up 8% twelvemonth implicit year.