Firstcash Holdings vs Onemain Holdings
Onemain Holdings is the larger business, with $4.90bn of revenue in fiscal 2025 against $3.66bn for Firstcash Holdings (1.3 times as much). Onemain Holdings grew faster (8.9% against 8.0%). Onemain Holdings kept more of each dollar of sales as profit: a net margin of 16.0% against 9.0%.
| Latest fiscal year | Firstcash HoldingsFCFS, 2025 | Onemain HoldingsOMF, 2025 |
|---|---|---|
| Revenue | $3.66bn | $4.90bn |
| Revenue growth | 8.0% | 8.9% |
| Net income | $330m | $783m |
| Operating margin | — | — |
| Net margin | 9.0% | 16.0% |
| Return on equity | 15.3% | 23.8% |
| Free cash flow | $531m | — |
| Cash | $125m | $914m |
| Total debt | $2.21bn | $23.01bn |
| Debt to equity | 97.0% | — |
| Dividend per share | $1.60 | $4.17 |
| Dividend yield | — | 7.5% |
| Share buybacks | $116m | $141m |
| Employees | 8,300 | 9,300 |
| Market value | $8.44bn | $6.50bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 59 (Moderate) |
| Insider trades, 12 months | 0 buys, 29 sales | 0 buys, 12 sales |