Critical Contrast: Medallion Financial (NASDAQ:MFIN) & SAIHEAT (NASDAQ:SAIH)

Profitability

This table compares Medallion Financial and SAIHEAT’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Medallion Financial	13.72%	9.52%	1.48%
SAIHEAT	N/A	N/A	N/A

Institutional and Insider Ownership

40.6% of Medallion Financial shares are held by institutional investors. Comparatively, 0.2% of SAIHEAT shares are held by institutional investors. 22.4% of Medallion Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares Medallion Financial and SAIHEAT”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Medallion Financial	$262.36 million	0.82	$55.08 million	$1.69	5.51
SAIHEAT	$6.78 million	1.49	-$6.12 million	N/A	N/A

Medallion Financial has higher revenue and earnings than SAIHEAT.

Risk & Volatility

Medallion Financial has a beta of 2.09, meaning that its share price is 109% more volatile than the S&P 500. Comparatively, SAIHEAT has a beta of 1.68, meaning that its share price is 68% more volatile than the S&P 500.

Summary

Medallion Financial beats SAIHEAT on 8 of the 9 factors compared between the two stocks.

About Medallion Financial

Medallion Financial Corp., together with its subsidiaries, operates as a specialty finance company in the United States. It operates in four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Taxi Medallion Lending. The company offers loans that finance consumer purchases of recreational vehicles, boats, and other consumer recreational equipment; consumer financing for window, siding, and roof replacement, swimming pool installations, and other home improvement projects; senior and subordinated loans for the purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and taxi medallion loans to individuals and small to mid-size businesses. It also provides debt, mezzanine, and equity investment capital to companies in various commercial industries; and raises deposits and conducts other banking activities. Medallion Financial Corp. was incorporated in 1995 and is headquartered in New York City, New York.

About SAIHEAT

SAIHEAT Limited engages in the development of liquid-cooling data centers. It develops technologies for the advanced computing center ecosystem, a center that provides high-performance servers, liquid cooling, and systems for capturing and recycling computing heat. The company was formerly known as SAI.TECH Global Corporation and changed its name to SAIHEAT Limited in August 2024. SAIHEAT Limited was founded in 2019 and is headquartered in Singapore.