Wrapping up Q2 earnings, we look at the numbers and key takeaways for the personal loan stocks, including FirstCash (NASDAQ: FCFS) and its peers.

Personal loan providers offer unsecured credit for various consumer needs. The sector benefits from digital application processes, increasing consumer comfort with online financial services, and opportunities in underserved credit segments. Headwinds include credit risk management in unsecured lending, regulatory oversight of lending practices, and intense competition affecting margins from both traditional and fintech lenders.

The 8 personal loan stocks we track reported a very strong Q2. As a group, revenues beat analysts’ consensus estimates by 4.3% while next quarter’s revenue guidance was 3.6% above.

Amidst this news, share prices of the companies have had a rough stretch. On average, they are down 8.3% since the latest earnings results.

FirstCash (NASDAQ: FCFS)

Offering a financial lifeline to the unbanked and credit-constrained since 1988, FirstCash (NASDAQ: FCFS) operates pawn stores across the U.S. and Latin America while also providing retail point-of-sale payment solutions for credit-constrained consumers.

FirstCash reported revenues of $1.07 billion, up 29.4% year on year. This print exceeded analysts’ expectations by 4.1%. Overall, it was a strong quarter for the company with a beat of analysts’ EPS estimates.

Mr. Rick Wessel, chief executive officer, stated, “FirstCash achieved record second quarter and year-to-date results, with revenue increases of 29% for the quarter and 28% year-to-date, driving exceptional growth in net income, EBITDA and earnings per share. Pawn demand remains extremely robust, with consolidated pawn receivables up 63% in total and 22% on a same-store basis over the prior year. We are again raising consolidated full year pawn revenue guidance given our second quarter results and continuing demand for pawn products and our deep-value retail sales model.

Interestingly, the stock is up 6.3% since reporting and currently trades at $221.94.

We think FirstCash is a good business, but is it a buy today? Read our full report here, it’s free.

Best Q2: Affirm (NASDAQ: AFRM)

Founded by PayPal co-founder Max Levchin with a mission to create honest financial products, Affirm (NASDAQ: AFRM) provides a payment network that allows consumers to make purchases and pay for them over time with transparent, flexible installment loans.

Affirm reported revenues of $1.17 billion, up 33% year on year, outperforming analysts’ expectations by 5.2%. The business had a stunning quarter with a beat of analysts’ EPS estimates and a solid beat of analysts’ EBITDA estimates.

Although it had a fine quarter compared to its peers, the market seems unhappy with the results as the stock is down 5.6% since reporting. It currently trades at $73.13.

Is now the time to buy Affirm? Access our full analysis of the earnings results here, it’s free.

Weakest Q2: OneMain (NYSE: OMF)

Dating back to 1912 and formerly known as Springleaf, OneMain Holdings (NYSE: OMF) provides personal loans, auto financing, and credit cards to nonprime consumers who have limited access to traditional banking services.

OneMain reported revenues of $1.29 billion, up 6.9% year on year, exceeding analysts’ expectations by 1.4%. It was a satisfactory quarter as it also posted a narrow beat of analysts’ net interest income estimates but a significant miss of analysts’ EBITDA estimates.

Interestingly, the stock is up 1.5% since the results and currently trades at $63.20.

Read our full analysis of OneMain’s results here.

Sezzle (NASDAQ: SEZL)

Founded in 2016 as an alternative to traditional credit cards for younger shoppers, Sezzle (NASDAQ: SEZL) provides a payment platform that allows consumers to split purchases into four interest-free installments over six weeks at participating retailers.

Sezzle reported revenues of $149.7 million, up 51.7% year on year. This result topped analysts’ expectations by 9.8%. Overall, it was an exceptional quarter as it also recorded a solid beat of analysts’ EBITDA estimates and a beat of analysts’ EPS estimates.

Sezzle delivered the biggest analyst estimate beat in the group. The stock is down 31.9% since reporting and currently trades at $121.49.

Read our full, actionable report on Sezzle here, it’s free.

Enova (NYSE: ENVA)

Pioneering online lending since 2004 with a massive database of over 65 terabytes of customer behavior data, Enova International (NYSE: ENVA) provides online financial services including installment loans and lines of credit to non-prime consumers and small businesses in the United States and Brazil.

Enova reported revenues of $928.9 million, up 21.6% year on year. This number beat analysts’ expectations by 2.1%. It was a strong quarter as it also produced a solid beat of analysts’ EBITDA estimates and a beat of analysts’ EPS estimates.

The stock is down 16.7% since reporting and currently trades at $181.50.

Read our full, actionable report on Enova here, it’s free.

Market Update

Over the past year, investors have been forced to repeatedly answer the same question: what is the market’s biggest risk? The answer has changed several times, and each shift has reshaped market leadership.

Late in 2025 and early 2026, artificial intelligence became the market’s primary uncertainty. Investors questioned whether AI would erode software pricing power and weaken competitive moats as AI made it easier to replicate once-differentiated products.

By the spring, technology took a back seat to geopolitics. The U.S. conflict with Iran briefly became the market’s dominant narrative, raising concerns about oil prices, inflation, and global growth. But as energy markets remained orderly and fears of a prolonged supply disruption faded, investors quickly turned their focus back to fundamentals.

Want to invest in winners with rock-solid fundamentals? Check out our Top 5 Growth Stocks and add them to your watchlist. These companies are poised for growth regardless of the political or macroeconomic climate.