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Medallion Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$44.6M in Q3 2026 · $138M over twelve months

Operating cash flow$44.6M
Free cash flow+$44.6M
Cash / net income9.4×

Analysis

In Q3 2026, Medallion Financial generated $44.6M of operating cash flow. That is $36.4M less than in Q3 2025 ($81.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $138M; the largest uses were other investing ($459M), buybacks ($13.2M), dividends ($12.2M); besides operations, cash came from other financing ($391M), partners ($51.9M); the cash balance rose by $92.1M.

Operating cash flow was $44.6M against net income of $4.7M — 9.4× profit, cash ran ahead of reported earnings. The largest differences: payables +$8.7M, prepaid and other assets −$7.4M, depreciation & amortization +$2.4M.

Free cash flow

Medallion Financial: free cash flow by quarterMedallion Financial: free cash flow by quarter$24.2MQ4 2024$33.1MQ1 2025−$23.0MQ2 2025$81.0MQ3 2025$35.1MQ4 2025$41.3MQ1 2026$17.5MQ2 2026$44.6MQ3 2026
Operating cash flow less capital spending.
Medallion Financial: operating cash flow against capital spendingMedallion Financial: operating cash flow against capital spendingOperating cash flowCapital spending$24.2M$0Q4 2024$33.1M$0Q1 2025−$23.0M$0Q2 2025$81.0M$0Q3 2025$35.1M$0Q4 2025$41.3M$0Q1 2026$17.5M$0Q2 2026$44.6M$0Q3 2026
Latest (Q3 2026): Operating cash flow $44.6M, Capital spending $0.

Capital allocation, year by year

Medallion Financial: where the cash came from (up) and went (down), by fiscal yearMedallion Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedBuybacksDividendsFY2021: Operating cash flow $78.7MFY2021: Shares issued $12.5M$91.2MFY2021FY2022: Operating cash flow $109MFY2022: Shares issued $155KFY2022: Buybacks −$20.6MFY2022: Dividends −$7.5M$109MFY2022FY2023: Operating cash flow $114MFY2023: Shares issued $442KFY2023: Dividends −$7.7M$114MFY2023FY2024: Operating cash flow $109MFY2024: Shares issued $259KFY2024: Buybacks −$4.6MFY2024: Dividends −$9.4M$109MFY2024FY2025: Operating cash flow $126MFY2025: Shares issued $516KFY2025: Buybacks −$986KFY2025: Dividends −$11.0M$127MFY2025
Over these 5 years operating cash flow totalled $536M; the largest uses were dividends ($35.6M) and buybacks ($26.2M). Cash-flow statements as filed.

Where the cash came from and went

Medallion Financial: sources (+) and uses (−) of cash, Q3 2026Medallion Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$163MOther financing$113MPartners$51.9MOperating cash flow$44.6MCash drawn (+) / kept (−)−$37.1MBuybacks−$5.6MDividends−$3.1MShares issued$53K
Medallion Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Medallion Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$459MOther financing$391MOperating cash flow$138MCash drawn (+) / kept (−)−$92.1MPartners$51.9MBuybacks−$13.2MDividends−$12.2MTaxes on employees’ shares−$4.7MShares issued$203K

From profit to cash

Medallion Financial: net income to operating cash flow, Q3 2026Medallion Financial: net income to operating cash flow, Q3 2026Net income$4.7MDepreciation & amortization$2.4MStock-based pay$1.5MGains on investments$216KPayables$8.7MPrepaid and other assets−$7.4MOperating cash flow$44.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$44.6M−$5.6M−$3.1M$53K−$37.1M$44.6M
Q2 2026$17.5M−$7.7M−$3.2M$88K−$67.3M$17.5M
Q1 2026$41.3M—−$3.1M$13K$62.9M$41.3M
Q4 2025$35.1M—−$2.7M$49K−$50.6M$35.1M
Q3 2025$81.0M—−$2.7M$210K$1.0M$81.0M
Q2 2025−$23.0M−$455K−$2.7M$256K$6.0M−$23.0M
Q1 2025$33.1M−$531K−$2.9M$1K$11.6M$33.1M
Q4 2024$24.2M—−$2.4M$115K$18.4M$24.2M

Medallion Financial: income statement and cash flow

Medallion Financial, Q3 2026: revenue $61.8M (+5% year over year), operating margin 11.4%. The chart follows the revenue to costs, profit and cash.

Medallion Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.