The end of the earnings season is always a good time to take a step back and see who shined (and who didn’t). Let’s take a look at how personal loan stocks fared in Q1, starting with OneMain (NYSE: OMF).

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 9 personal loan stocks we track reported a strong Q1. As a group, revenues beat analysts’ consensus estimates by 7% while next quarter’s revenue guidance was 0.7% above.

Luckily, personal loan stocks have performed well with share prices up 24% on average since the latest earnings results.

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 $1.26 billion, up 6.6% year on year. This print was in line with analysts’ expectations, but overall, it was a mixed quarter for the company with a beat of analysts’ EPS estimates.

"We delivered a very good start to 2026, executing on our growth initiatives while maintaining our disciplined credit approach and balance sheet management," said Doug Shulman, Chairman and CEO of OneMain.

OneMain delivered the slowest revenue growth of the whole group. Interestingly, the stock is up 5.2% since reporting and currently trades at $61.85.

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

Best Q1: 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 $135.5 million, up 29.2% year on year, outperforming analysts’ expectations by 5.3%. The business had a stunning quarter with full-year EPS guidance exceeding analysts’ expectations and an impressive beat of analysts’ EBITDA estimates.

The market seems happy with the results as the stock is up 96.9% since reporting. It currently trades at $169.37.

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

Weakest Q1: 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 $1.04 billion, up 32.6% year on year, exceeding analysts’ expectations by 4.3%. Still, it was a slower quarter as it posted a significant miss of analysts’ EPS estimates.

Interestingly, the stock is up 21.8% since the results and currently trades at $82.04.

Read our full analysis of Affirm’s results here.

Atlanticus Holdings (NASDAQ: ATLC)

Using data analytics to serve the millions of Americans with less-than-perfect credit scores, Atlanticus Holdings (NASDAQ: ATLC) provides technology and services that help lenders offer credit products to consumers often overlooked by traditional financing providers.

Atlanticus Holdings reported revenues of $556.8 million, up 87.2% year on year. This print came in 7.6% below analysts’ expectations. Overall, it was a mixed quarter for the company.

Atlanticus Holdings pulled off the fastest revenue growth but had the weakest performance against analyst estimates among its peers. The stock is up 33.6% since reporting and currently trades at $104.69.

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

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 $1.05 billion, up 25.7% year on year. This number surpassed analysts’ expectations by 4.8%. It was an exceptional quarter as it also logged an impressive beat of analysts’ EBITDA estimates and a beat of analysts’ EPS estimates.

The stock is up 1.2% since reporting and currently trades at $214.95.

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

Market Update

Late in 2025 into early 2026, there was hand-wringing around artificial intelligence. For software companies, the fear was that AI would erode pricing power and compress margins as new tools made it easier to replicate what once required expensive enterprise platforms. Crypto investors had their own version of the same anxiety: if AI agents could trade, allocate capital, and manage wallets autonomously, what exactly was the long-term value of today’s crypto infrastructure?

These concerns triggered a noticeable rotation away from these sectors and into safer havens. But markets rarely dwell on one narrative for long. Spring 2026 came, and the focus shifted abruptly from technological disruption to geopolitical risk. The US’ conflict with Iran became the dominant driver of market psychology, and when geopolitics takes center stage, the script changes quickly. Investors stop debating growth rates and start worrying about oil supply, inflation, and global stability.

Want to invest in winners with rock-solid fundamentals? Check out our 9 Best Market-Beating Stocks and add them to your watchlist. These companies are poised for growth regardless of the political or macroeconomic climate.