{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-057046","form_type":"8-K","ticker":"MFIN","cik":"0001000209","company_name":"MEDALLION FINANCIAL CORP","filed_at":"2026-02-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.363173+00:00","generated_at":"2026-05-16T01:55:10.224036+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"confidence":"high","headline":"Medallion Financial Q4 net income up 20% to $0.50 EPS; FY net income $1.78 EPS","bullets":["Q4 2025 net income $12.2M ($0.50 diluted EPS), up from $10.1M ($0.43) YoY.","Net interest income $56.4M (+8% YoY); loan originations $421.3M, nearly 50% from strategic partnerships.","Full-year net income $43.0M ($1.78 EPS), up 20% YoY; originations $1.505B (+44%).","Quarterly dividend declared $0.12 per share, payable March 31, 2026, unchanged from prior quarter.","Credit loss provision $27.7M (Q4), up from $20.6M; allowance for credit loss on recreation loans rose to 5.32%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-057046","json":"https://secwatch.observer/filing/0001193125-26-057046.json","markdown":"https://secwatch.observer/filing/0001193125-26-057046.md","text":"https://secwatch.observer/filing/0001193125-26-057046.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1000209/000119312526057046/0001193125-26-057046-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1000209/000119312526057046/mfin-20260218.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T01:55:10.224036+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}