OneMain Financial vs FirstCash

This page compares OneMain Financial and FirstCash, examining their business models, financial performance, and market context in a clear, neutral manner. Educational content, not financial advice.

About The Companies

OneMain Financial (OMF)

OneMain Holdings, Inc. (OMF) is a US consumer finance company that provides unsecured and secured personal loans to primarily near-prime and subprime borrowers through a combination of physical branches and digital channels. With a market capitalisation of about $6.72 billion, OneMain earns revenue mainly from interest and fees on loans; its business is driven by loan originations, credit underwriting and portfolio performance. Investors should note the firm’s sensitivity to economic cycles and credit conditions: default rates and loss provisioning can rise when unemployment or borrower stress increases. Higher interest rates can boost lending yields but also squeeze borrowers and demand. Regulatory oversight and competition from banks and fintech lenders are additional considerations. This summary is educational only and not personalised advice — values can rise or fall and past performance is not a guarantee of future returns. Suitability depends on an investor’s risk tolerance, time horizon and circumstances; consult a financial adviser for tailored guidance.

FirstCash (FCFS)

FirstCash Holdings (ticker: FCFS) operates a large network of pawnshops and consumer financial services across the US and Latin America. The company generates revenue from merchandise sales, pawn loans and other short-term lending products, benefiting from steady, often recession-resilient cash flows and a mix of retail and credit revenue. Investors should note a market capitalisation of about $6.8bn and that profitability depends on consumer demand, interest-rate environments and used-goods resale margins. Growth comes from network expansion, same-store sales, and digital initiatives, but competition, regulation and credit risk can affect outcomes. FirstCash can suit investors seeking exposure to non-bank consumer finance and retail resale, though it carries operational and cyclical risks. This summary is educational only and not personalised financial advice; values can rise or fall and future returns are not guaranteed.

Comparison Snapshot

Key Financial Metrics

OMF

Metric

FCFS

$8.20B

Market Cap

$7.16B

-4.58%

Potential Profit

8.94%

Buy

Analyst Rating

Buy

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Which Baskets Do They Appear In?

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A weaker-than-expected jobs report has increased the likelihood of a Federal Reserve interest rate cut. This theme focuses on companies poised to benefit from lower borrowing costs, which can stimulate lending and consumer spending.

Published: September 8, 2025

Explore Basket

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Harley-Davidson is negotiating the sale of a stake in its financing arm, a strategic move to raise significant capital. This theme focuses on other manufacturers with large, valuable financing units that could be prime candidates for similar spin-offs or sales to unlock value.

Published: July 29, 2025

Explore Basket

Investment Analysis