Medallion Financial (MFIN) - 2023 Q4 - Earnings Call Transcript

Andrew Murstein Matthew Howlett It seems like with the slower loan growth versus '23 and then the movement up in credit, you clearly don't have as much subprime as you did several years ago. I mean could we see sort of a more normalization in that line. So it doesn't throw off the earnings and the ROE, you're already generating 70% ROE, but I'm assuming it's going to be a lot higher, we get a normalization in that provision line. It's I think it's one of the things we were concerned about. And frankly, it's ...