FCFS vs. OMF

Last updated Jun 4, 2026

FCFS (FirstCash, Inc.) and OMF (OneMain Holdings, Inc.) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 10 years, FCFS returned 18.83%/yr vs 14.95%/yr for OMF. At a 0.39 correlation, their price movements are largely independent.

Performance

FCFS vs. OMF - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in FirstCash, Inc. (FCFS) and OneMain Holdings, Inc. (OMF). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FCFS achieves a 38.75% return, which is significantly higher than OMF's -17.91% return. Over the past 10 years, FCFS has outperformed OMF with an annualized return of 18.83%, while OMF has yielded a comparatively lower 14.95% annualized return.

FCFS

• 1D: 5.24%
• 1M: -0.40%
• YTD: 38.75%
• 6M: 36.27%
• 1Y: 75.73%
• 3Y*: 31.59%
• 5Y*: 23.45%
• 10Y*: 18.83%

OMF

• 1D: -2.04%
• 1M: -1.38%
• YTD: -17.91%
• 6M: -14.41%
• 1Y: 9.62%
• 3Y*: 18.66%
• 5Y*: 7.60%
• 10Y*: 14.95%

*Multi-year figures are annualized to reflect compound growth (CAGR)

FCFS vs. OMF - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FCFS FirstCash, Inc.	38.75%	55.68%	-3.20%	26.45%	18.03%	8.47%	-11.74%	12.72%	8.48%	45.56%
OMF OneMain Holdings, Inc.	-17.91%	39.77%	15.14%	63.03%	-27.20%	23.56%	34.53%	88.37%	-6.54%	17.39%

Correlation

The correlation between FCFS and OMF is 0.17, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.17
Correlation (3Y) Calculated over the trailing 3-year period	0.29
Correlation (5Y) Calculated over the trailing 5-year period	0.39
Correlation (10Y) Calculated over the trailing 10-year period	0.40
Correlation (All Time) Calculated using the full available price history since Nov 30, 2015	0.39

Over the past year, the correlation between FCFS and OMF has dropped to 0.17 - well below their long-term average of 0.39, suggesting their price drivers have been diverging.

Fundamentals

EPS FCFS : $10.56 OMF : $6.71
PE Ratio FCFS : 20.85 OMF : 7.96
PS Ratio FCFS : 1.91 OMF : 1.28
Total Revenue (TTM) FCFS : $3.88B OMF : $4.94B
Gross Profit (TTM) FCFS : $2.47B OMF : $2.20B
EBITDA (TTM) FCFS : $957.95M OMF : $943.00M

Return for Risk

FCFS vs. OMF — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FCFS

FCFS Risk / Return Rank: 93
FCFS Sharpe Ratio Rank: 93
FCFS Sortino Ratio Rank: 90
FCFS Omega Ratio Rank: 90
FCFS Calmar Ratio Rank: 93
FCFS Martin Ratio Rank: 97

OMF

OMF Risk / Return Rank: 48
OMF Sharpe Ratio Rank: 53
OMF Sortino Ratio Rank: 45
OMF Omega Ratio Rank: 44
OMF Calmar Ratio Rank: 48
OMF Martin Ratio Rank: 49

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FCFS vs. OMF - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for FirstCash, Inc. (FCFS) and OneMain Holdings, Inc. (OMF). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	FCFS	OMF	Difference
Sharpe ratio Return per unit of total volatility	2.67	0.34	+2.33
Sortino ratio Return per unit of downside risk	3.23	0.66	+2.57
Omega ratio Gain probability vs. loss probability	1.45	1.08	+0.37
Calmar ratio Return relative to maximum drawdown	5.97	0.33	+5.64
Martin ratio Return relative to average drawdown	25.71	0.75	+24.96
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FCFS vs. OMF - Sharpe Ratio Comparison

The current FCFS Sharpe Ratio is 2.67, which is higher than the OMF Sharpe Ratio of 0.34. The chart below compares the historical Sharpe Ratios of FCFS and OMF, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	FCFS	OMF	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.67	0.34	+2.33
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.80	0.22	+0.59
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.62	0.33	+0.29
Sharpe Ratio (All Time) Calculated using the full available price history	0.34	0.19	+0.15

Drawdowns

FCFS vs. OMF - Drawdown Comparison

The maximum FCFS drawdown since its inception was -90.26%, which is greater than OMF's maximum drawdown of -68.66%. Use the drawdown chart below to compare losses from any high point for FCFS and OMF.

Drawdown Indicators

	FCFS	OMF	Difference
Max Drawdown Largest peak-to-trough decline	-90.26%	-68.66%	-21.60%
Max Drawdown (1Y) Largest decline over 1 year	-12.75%	-29.68%	+16.93%
Max Drawdown (3Y) Largest decline over 3 years	-23.38%	-29.94%	+6.56%
Max Drawdown (5Y) Largest decline over 5 years	-35.70%	-47.93%	+12.23%
Max Drawdown (10Y) Largest decline over 10 years	-50.16%	-68.66%	+18.50%
Current Drawdown Current decline from peak	-5.31%	-22.30%	+16.99%
Average Drawdown Average peak-to-trough decline	-24.26%	-24.31%	+0.05%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.96%	12.86%	-9.90%

Volatility

FCFS vs. OMF - Volatility Comparison

FirstCash, Inc. (FCFS) has a higher volatility of 9.13% compared to OneMain Holdings, Inc. (OMF) at 6.88%. This indicates that FCFS's price experiences larger fluctuations and is considered to be riskier than OMF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FCFS	OMF	Difference
Volatility (1M) Calculated over the trailing 1-month period	9.13%	6.88%	+2.25%
Volatility (6M) Calculated over the trailing 6-month period	19.07%	21.12%	-2.05%
Volatility (1Y) Calculated over the trailing 1-year period	28.56%	28.48%	+0.08%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	29.36%	35.53%	-6.17%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.53%	46.08%	-15.55%

Dividends

FCFS vs. OMF - Dividend Comparison

FCFS's dividend yield for the trailing twelve months is around 0.76%, less than OMF's 7.84% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
FCFS FirstCash, Inc.	0.76%	1.00%	1.41%	1.25%	1.45%	1.56%	1.54%	1.27%	1.26%	1.14%	1.20%
OMF OneMain Holdings, Inc.	7.84%	6.17%	7.90%	8.13%	11.41%	19.08%	12.33%	7.12%	0.00%	0.00%	0.00%

Financials

Frequently Asked Questions

Can I hold both FCFS and OMF in my portfolio?

FCFS and OMF have a correlation of 0.17, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FCFS or OMF?

FCFS has higher volatility (9.13%) compared to OMF (6.88%). In terms of maximum drawdown, FCFS dropped -90.26% vs OMF's -68.66%.

Which has better risk-adjusted returns?

FCFS currently has the higher Sharpe Ratio (2.67 vs 0.34), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.