FirstCash Holdings [FCFS] vs OneMain Holdings [OMF] Detailed Stock Comparison

FirstCash Holdings Inc.

NASDAQ
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OneMain Holdings Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: FirstCash Holdings Inc. wins in 8 metrics, OneMain Holdings Inc. wins in 11 metrics, with 0 ties. OneMain Holdings Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric FirstCash Holdings Inc. OneMain Holdings Inc. Better
P/E Ratio (TTM) 27.71 8.98 OneMain Holdings Inc.
Price-to-Book Ratio 3.97 2.03 OneMain Holdings Inc.
Debt-to-Equity Ratio 112.82 671.07 FirstCash Holdings Inc.
PEG Ratio 1.03 0.14 OneMain Holdings Inc.
EV/EBITDA 16.77 N/A N/A
Profit Margin (TTM) 9.02% 26.34% OneMain Holdings Inc.
Operating Margin (TTM) 17.30% 33.65% OneMain Holdings Inc.
EBITDA Margin (TTM) 17.30% 33.65% OneMain Holdings Inc.
Return on Equity 15.26% 23.76% OneMain Holdings Inc.
Return on Assets (TTM) 7.33% 2.94% FirstCash Holdings Inc.
Free Cash Flow (TTM) $531.04M $3.13B OneMain Holdings Inc.
Dividend Yield 1.10% 7.31% OneMain Holdings Inc.
1-Year Return 72.81% 9.33% FirstCash Holdings Inc.
Price-to-Sales Ratio (TTM) 2.48 2.33 OneMain Holdings Inc.
Enterprise Value $11.49B $28.81B OneMain Holdings Inc.
EV/Revenue Ratio 3.14 9.69 FirstCash Holdings Inc.
Gross Profit Margin (TTM) 50.06% N/A N/A
Revenue per Share (TTM) $83 $25 FirstCash Holdings Inc.
Earnings per Share (Diluted) $7.42 $6.56 FirstCash Holdings Inc.
Beta (Stock Volatility) 0.47 1.26 FirstCash Holdings Inc.
Short % of Float 2.87% 4.29% FirstCash Holdings Inc.

FirstCash Holdings Inc. vs OneMain Holdings Inc. Stock Performance Analysis

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FCFS
OMF

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
FirstCash Holdings Inc.-0.49%0.02%-1.22%18.65%35.95%42.74%
OneMain Holdings Inc.1.69%6.68%7.75%17.07%-14.18%-16.50%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
FirstCash Holdings Inc.72.81%139.70%178.92%369.01%477.53%1,034.66%
OneMain Holdings Inc.9.33%31.67%0.02%136.69%180.74%180.74%

Performance & Financial Health Analysis: FirstCash Holdings Inc. vs OneMain Holdings Inc.

MetricFCFSOMF
Market Information
Market Cap i$9.37B$6.95B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i287,9191,336,380
90 Day Avg. Volume i348,7261,567,323
Last Close$223.78$57.67
52 Week Range$119.21 - $235.97$45.78 - $71.93
% from 52W High-5.17%-19.82%
All-Time High$235.03 (May 27, 2026)$71.93 (Jan 09, 2026)
% from All-Time High-4.79%-19.82%
Growth Metrics
Quarterly Revenue Growth0.20%0.12%
Quarterly Earnings Growth0.25%0.62%
Financial Health
Profit Margin (TTM) i0.09%0.26%
Operating Margin (TTM) i0.17%0.34%
Return on Equity (TTM) i0.15%0.24%
Debt to Equity (MRQ) i112.82671.07
Cash & Liquidity
Book Value per Share (MRQ)$51.77$29.02
Cash per Share (MRQ)$2.85$7.80
Operating Cash Flow (TTM) i$585.94M$3.13B
Levered Free Cash Flow (TTM) i$232.38M$783.00M
Dividends
Last 12-Month Dividend Yield i1.10%7.31%
Last 12-Month Dividend i$2.02$4.18

Valuation & Enterprise Metrics Analysis: FirstCash Holdings Inc. vs OneMain Holdings Inc.

MetricFCFS (Apr 24, 2026)OMF (Apr 23, 2026)
Price Ratios
P/E Ratio (TTM) i27.718.98
Forward P/E i16.706.66
PEG Ratio i1.030.14
Price to Sales (TTM) i2.482.33
Price to Book (MRQ) i3.972.03
Market Capitalization
Market Capitalization i$9.37B$6.95B
Enterprise Value i$11.49B$28.81B
Enterprise Value Metrics
Enterprise to Revenue i3.149.69
Enterprise to EBITDA i16.77N/A
Risk & Other Metrics
Beta i0.471.26
Book Value per Share (MRQ) i$51.77$29.02

Financial Statements Comparison: FirstCash Holdings Inc. vs OneMain Holdings Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFCFS (2025)OMF (2025)
Revenue/Sales i3.66B4.97B
Cost of Goods Sold i1.82BN/A
COGS % of Revenue i49.7%0.0%
Gross Profit i1.84BN/A
Gross Margin i50.3%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i562.23MN/A
Operating Margin i15.4%0.0%
EBITDA i1.01BN/A
EBITDA Margin i27.6%0.0%
Pre-Tax Income i447.56M1.00B
Pre-Tax Income % of Revenue i12.2%20.1%
Income Tax i117.19M218.00M
Income Tax % of Revenue i3.2%4.4%
Net Income (Profit) i330.38M783.00M
Profit Margin i9.0%15.8%

Balance Sheet & Liquidity Metrics

MetricFCFS (2025)OMF (2025)
Cash & Equivalents i125.20M738.00M
Total Current Assets i1.86BN/A
Total Current Assets % of Revenue i50.7%0.0%
Total Current Liabilities i407.81MN/A
Total Current Liabilities % of Revenue i11.1%0.0%
Long-Term Debt i2.46B22.69B
Long-Term Debt % of Revenue i67.1%456.6%
Total Shareholders Equity i2.28B3.40B
Retained Earnings i1.67B2.58B
Retained Earnings % of Revenue i45.6%51.9%
Property, Plant & Equipment i365.62MN/A

Cash Flow Statement Comparison

MetricFCFS (2025)OMF (2025)
Operating Cash Flow i381.14M1.15B
Operating Cash Flow % of Revenue i10.4%23.0%
Capital Expenditures i-54.91MN/A
Free Cash Flow i531.04M3.13B
FCF Margin i14.5%63.0%
Debt Repayment i-427.38M-6.82B
Common Stock Repurchase i-115.85M-141.00M

Short Interest & Institutional Ownership Analysis

MetricFCFSOMF
Shares Short i903,8474.48M
Short Ratio i2.672.58
Short % of Float i2.87%4.29%
Shares Outstanding i43.98M117.20M
Float Shares i38.76M116.51M
% Held by Insiders i11.82%0.35%
% Held by Institutions i91.86%94.28%
% Held by Public i-3.68%5.37%

Dividend Analysis & Yield Comparison: FirstCash Holdings Inc. vs OneMain Holdings Inc.

MetricFCFSOMF
Last 12-Month Dividend i$2.02$4.18
Last 12-Month Dividend Yield i1.10%7.31%
3-Year Avg Annual Dividend i$1.61$4.11
3-Year Avg Dividend Yield i0.31%2.12%
3-Year Total Dividends i$4.84$12.34
Ex-Dividend DateFeb 18, 2026Feb 17, 2026