FCFS vs. OMF
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
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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%
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
FCFS:
$10.56
OMF:
$6.71
FCFS:
20.85
OMF:
7.96
FCFS:
1.91
OMF:
1.28
FCFS:
$3.88B
OMF:
$4.94B
FCFS:
$2.47B
OMF:
$2.20B
FCFS:
$957.95M
OMF:
$943.00M
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Return for Risk
FCFS vs. OMF — Risk / Return Rank
FCFS
OMF
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 ratioReturn per unit of total volatility | +2.33 | ||
| Sortino ratioReturn per unit of downside risk | +2.57 | ||
| Omega ratioGain probability vs. loss probability | 1.45 | 1.08 | +0.37 |
| Calmar ratioReturn relative to maximum drawdown | 5.97 | 0.33 | +5.64 |
| Martin ratioReturn 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. | |||
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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.
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Drawdown Indicators
| FCFS | OMF | Difference | |
|---|---|---|---|
Max DrawdownLargest 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 DrawdownCurrent decline from peak | -5.31% | -22.30% | +16.99% |
Average DrawdownAverage peak-to-trough decline | -24.26% | -24.31% | +0.05% |
Ulcer IndexDepth 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.
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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
FCFS vs. OMF - Financials Comparison
This section allows you to compare key financial metrics between FirstCash, Inc. and OneMain Holdings, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
Frequently Asked Questions
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.
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%.
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.
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