Key Takeaways PGY uses AI, ABS vehicles and forward flow deals to grow with minimal on-balance-sheet exposure.OMF combines subprime lending with a physical footprint and expands products like auto loans and credit cards.OMF rewards shareholders via rising dividends and a $1B buyback plan extended through December 2026.Pagaya Technologies Ltd. (PGY) and OneMain Holdings, Inc. (OMF) are key players in the consumer finance space, targeting the underserved credit segments, such as subprime and non-prime borrowe ...