PGY vs. OMF: Which Stock Wins the Consumer Credit Battle?

Key Takeaways PGY's AI-driven, capital-light model shows stronger earnings growth prospects than a traditional lender.OMF relies on branch-based lending, securitization and shareholder returns through dividends and buybacks.PGY benefits from forward-flow funding, limited balance-sheet risk and sharply improving credit losses.Two key players in the consumer finance space that target the underserved credit segments, such as subprime and non-prime borrowers, are Pagaya Technologies Ltd. (PGY) and OneMain Holdi ...