Mar 31, 2020

Medallion Q1 2020 Earnings Report

Medallion Financial Corp. reported a net loss due to COVID-19-related loan loss provisions, non-cash NYC taxi medallion value write-downs, and a non-cash write-off of a legacy non-core portfolio company, but net interest income increased, driven by consumer lending segments.

Key Takeaways

Medallion Financial Corp. reported a net loss of $13.6 million, or $0.56 per share, for the first quarter of 2020, compared to a net income of $1.2 million, or $0.05 per share, in the prior year period. The net loss was primarily due to COVID-19-related loan loss provisions, non-cash NYC taxi medallion value write-downs, and a non-cash write-off of a legacy non-core portfolio company. However, net interest income increased by 19% to $26.5 million, primarily reflecting the consumer lending segments.

Net loss was $13.6 million, or $0.56 per share, compared to a net income of $1.2 million, or $0.05 per share, in the prior year period.

Net interest income was $26.5 million, a 19% increase from the 2019 first quarter.

Consumer originations were $103.1 million for the first quarter, up from $90.3 million in the prior year period.

Total assets were $1.53 billion as of March 31, 2020.

Total Revenue
$19.6M
Previous year: $29.2M
-33.0%
EPS
-$0.56
Previous year: $0.05
-1220.0%
Net Interest Margin
8.8%
Previous year: 8.56%
+2.8%
Consumer Loan Delinquencies
0.56%
Previous year: 0.44%
+27.3%
Tier 1 Leverage Ratio
18.78%
Total Assets
$1.53B
Previous year: $1.43B
+7.4%

Medallion

Medallion

Medallion Revenue by Segment