Medallion Financial Corp (MFIN)vsVisa Inc. Class A (V)
MFIN
Medallion Financial Corp
$11.48
+0.44%
FINANCIAL SERVICES · Cap: $250.27M
V
Visa Inc. Class A
$364.08
-0.36%
FINANCIAL SERVICES · Cap: $690.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 12612% more annual revenue ($44.49B vs $349.97M). V leads profitability with a 50.8% profit margin vs 9.3%. MFIN appears more attractively valued with a PEG of 0.77. V earns a higher WallStSmart Score of 68/100 (B-).
MFIN
Buy61
out of 100
Grade: C+
V
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 46.9%
Growing faster than its price suggests
Mega-cap, among the largest globally
Every $100 of equity generates 64 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 66.1%
Generating 6.1B in free cash flow
Areas to Watch
2.5% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Earnings declined 32.6%
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 19.3x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MFIN
The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. PEG of 0.77 suggests the stock is reasonably priced for its growth.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.8% and operating margin at 66.1%. Revenue growth of 14.4% demonstrates continued momentum.
Bear Case : MFIN
The primary concerns for MFIN are Revenue Growth, Altman Z-Score, Market Cap.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
MFIN profiles as a value stock while V is a mature play — different risk/reward profiles.
MFIN carries more volatility with a beta of 0.77 — expect wider price swings.
V is growing revenue faster at 14.4% — sustainability is the question.
V generates stronger free cash flow (6.1B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 61/100), backed by strong 50.8% margins and 14.4% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Medallion Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Medallion Financial Corp. The company is headquartered in New York City, New York.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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