FirstCash vs OneMain
OneMain reported revenue of $4.9 billion in fiscal 2025, 1.3 times FirstCash's $3.7 billion in fiscal 2025. FirstCash's revenue grew 8.0% in its latest year, and OneMain's grew 8.9%.
Side by side
| FirstCash | OneMain | |
|---|---|---|
| Latest fiscal year | FY2025, Dec 31, 2025 | FY2025, Dec 31, 2025 |
| Revenue | $3.7B | $4.9B |
| Revenue growth | 8.0% | 8.9% |
| Revenue growth a year, last 5 years | 17.5% | 4.9% |
| Gross margin | 50.3% | — |
| Operating margin | — | — |
| Net margin | 9.0% | 16.0% |
| Free cash flow | $531M | — |
| Free cash flow margin | 14.5% | — |
| Return on capital | 10.7% | 7.1% |
| Net debt to EBITDA | 3.3x | 8.6x |
| Dividends and buybacks | $187M | $640M |
| Change in diluted share count | −1.4% | −0.7% |
| Last close | $175.27 | $56.36 |
| P/E at the last close | 19.0× | 8.4× |
| Insider trades, last 12 months | sold $20.6 million | sold $7.9 million |
| Piotroski F-score | 8 of 9 | — |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
FirstCashOneMain
Operating margin
Percent of revenue
FirstCashOneMain
Free cash flow
US$ billions. Cash from operations minus capital expenditure.
FirstCashOneMain
Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the FirstCash and OneMain pages.