Medallion Financial's Revenue Projected to Decline Amid Rising Credit Loss Allowances and Net Charge-Offs

Medallion Financial (MFIN) projects a 12.1% annual revenue decline and 0.2% earnings decline over the next three years. Despite consistent profitability, current earnings growth trails its five-year average. Credit loss allowances for recreational and home improvement loans have increased, indicating mounting pressure within the loan book. Analysts' consensus view highlights a push-pull dynamic between efficiency gains and credit risk, with a notable discount to DCF fair value and consensus analyst target.