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

OneMain Holdings Inc.

NYSE
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FirstCash Holdings Inc.

NASDAQ
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

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

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

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OMF
FCFS

Performance Comparison

Short-term Returns

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

Long-term Returns

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

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

MetricOMFFCFS
Market Information
Market Cap i$6.95B$9.37B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i1,336,380287,919
90 Day Avg. Volume i1,567,323348,726
Last Close$57.67$223.78
52 Week Range$45.78 - $71.93$119.21 - $235.97
% from 52W High-19.82%-5.17%
All-Time High$71.93 (Jan 09, 2026)$235.03 (May 27, 2026)
% from All-Time High-19.82%-4.79%
Growth Metrics
Quarterly Revenue Growth0.12%0.20%
Quarterly Earnings Growth0.62%0.25%
Financial Health
Profit Margin (TTM) i0.26%0.09%
Operating Margin (TTM) i0.34%0.17%
Return on Equity (TTM) i0.24%0.15%
Debt to Equity (MRQ) i671.07112.82
Cash & Liquidity
Book Value per Share (MRQ)$29.02$51.77
Cash per Share (MRQ)$7.80$2.85
Operating Cash Flow (TTM) i$3.13B$585.94M
Levered Free Cash Flow (TTM) i$783.00M$232.38M
Dividends
Last 12-Month Dividend Yield i7.31%1.10%
Last 12-Month Dividend i$4.18$2.02

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

MetricOMF (Apr 23, 2026)FCFS (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.9827.71
Forward P/E i6.6616.70
PEG Ratio i0.141.03
Price to Sales (TTM) i2.332.48
Price to Book (MRQ) i2.033.97
Market Capitalization
Market Capitalization i$6.95B$9.37B
Enterprise Value i$28.81B$11.49B
Enterprise Value Metrics
Enterprise to Revenue i9.693.14
Enterprise to EBITDA iN/A16.77
Risk & Other Metrics
Beta i1.260.47
Book Value per Share (MRQ) i$29.02$51.77

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

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricOMF (2025)FCFS (2025)
Revenue/Sales i4.97B3.66B
Cost of Goods Sold iN/A1.82B
COGS % of Revenue i0.0%49.7%
Gross Profit iN/A1.84B
Gross Margin i0.0%50.3%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A562.23M
Operating Margin i0.0%15.4%
EBITDA iN/A1.01B
EBITDA Margin i0.0%27.6%
Pre-Tax Income i1.00B447.56M
Pre-Tax Income % of Revenue i20.1%12.2%
Income Tax i218.00M117.19M
Income Tax % of Revenue i4.4%3.2%
Net Income (Profit) i783.00M330.38M
Profit Margin i15.8%9.0%

Balance Sheet & Liquidity Metrics

MetricOMF (2025)FCFS (2025)
Cash & Equivalents i738.00M125.20M
Total Current Assets iN/A1.86B
Total Current Assets % of Revenue i0.0%50.7%
Total Current Liabilities iN/A407.81M
Total Current Liabilities % of Revenue i0.0%11.1%
Long-Term Debt i22.69B2.46B
Long-Term Debt % of Revenue i456.6%67.1%
Total Shareholders Equity i3.40B2.28B
Retained Earnings i2.58B1.67B
Retained Earnings % of Revenue i51.9%45.6%
Property, Plant & Equipment iN/A365.62M

Cash Flow Statement Comparison

MetricOMF (2025)FCFS (2025)
Operating Cash Flow i1.15B381.14M
Operating Cash Flow % of Revenue i23.0%10.4%
Capital Expenditures iN/A-54.91M
Free Cash Flow i3.13B531.04M
FCF Margin i63.0%14.5%
Debt Repayment i-6.82B-427.38M
Common Stock Repurchase i-141.00M-115.85M

Short Interest & Institutional Ownership Analysis

MetricOMFFCFS
Shares Short i4.48M903,847
Short Ratio i2.582.67
Short % of Float i4.29%2.87%
Shares Outstanding i117.20M43.98M
Float Shares i116.51M38.76M
% Held by Insiders i0.35%11.82%
% Held by Institutions i94.28%91.86%
% Held by Public i5.37%-3.68%

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

MetricOMFFCFS
Last 12-Month Dividend i$4.18$2.02
Last 12-Month Dividend Yield i7.31%1.10%
3-Year Avg Annual Dividend i$4.11$1.61
3-Year Avg Dividend Yield i2.12%0.31%
3-Year Total Dividends i$12.34$4.84
Ex-Dividend DateFeb 17, 2026Feb 18, 2026