Tax-loss harvesting alternatives for FCFS

Among the 14 Consumer Finance peers screened, EZPW (EZCORP, Inc.) has tracked FCFS most closely over the past year, with a return correlation of 0.66. The strongest fund stand-in is IYF (iShares US Financials ETF) at 0.29 over the past year. Correlations are computed from daily closing-price returns aligned by trading day.

Run this search live in the Screener →

STOCKS

Single-name peers

Ticker	Name	Sub-industry	1Y	3Y	5Y	10Y
EZPW	EZCORP, Inc.	Consumer Finance	0.66	0.54	0.44	0.43
SYF	Synchrony Financial	Consumer Finance	0.25	0.24	0.32	0.44
ECPG	Encore Capital Group, Inc.	Consumer Finance	0.24	0.25	0.23	0.31
ALLY	Ally Financial	Consumer Finance	0.23	0.26	0.33	0.45
ENVA	Enova International, Inc.	Consumer Finance	0.22	0.28	0.36	0.46
AXP	American Express	Consumer Finance	0.21	0.23	0.34	0.48
COF	Capital One Financial	Consumer Finance	0.20	0.25	0.35	0.46
SLM	SLM Corp	Consumer Finance	0.16	0.25	0.32	0.36
WRLD	World Acceptance Corporation	Consumer Finance	0.16	0.23	0.25	0.32
NAVI	Navient	Consumer Finance	0.15	0.23	0.28	0.37
BFH	Bread Financial Holdings, Inc.	Consumer Finance	0.14	0.20	0.31	0.39
DAVE	Dave, Inc.	Consumer Finance	0.13	0.13	0.13	—
SOFI	SoFi Technologies	Consumer Finance	0.12	0.17	0.22	—
PRG	PROG Holdings, Inc.	Consumer Finance	0.08	0.19	0.31	0.32

ETFS

Fund stand-ins

An ETF is generally not 'substantially identical' to a single stock, which is why funds are the standard wash-sale-aware replacement.

Ticker	Name	Focus	Match	1Y	3Y	5Y	10Y
IYF	iShares US Financials ETF	Financials Sector	SECTOR	0.29	0.30	0.41	0.53
VFH	Vanguard Financials ETF	Financials Sector	SECTOR	0.28	0.30	0.41	0.52
XLF	Financial Select Sector SPDR	Financials Sector	SECTOR	0.28	0.29	0.40	0.51
KBWB	Invesco KBW Bank ETF	Large Banks	INDUSTRY	0.27	0.27	0.36	0.48
IAI	iShares Broker-Dealers & Exchanges	Capital Markets	INDUSTRY	0.25	0.29	0.38	0.50
KBE	SPDR S&P Bank ETF	Banks	INDUSTRY	0.23	0.29	0.38	0.49
KRE	SPDR S&P Regional Banking ETF	Regional Banks	SUB-IND	0.21	0.27	0.35	0.47
IPAY	ETFMG Prime Mobile Payments	Payments	SUB-IND	0.14	0.24	0.37	0.47
KIE	SPDR S&P Insurance ETF	Insurance	INDUSTRY	0.13	0.24	0.36	0.50
ARKF	ARK Fintech Innovation ETF	FinTech (Active)	SUB-IND	0.12	0.19	0.31	0.33
FINX	Global X FinTech ETF	FinTech	SUB-IND	0.11	0.22	0.34	0.41
IAK	iShares US Insurance ETF	Insurance	INDUSTRY	0.10	0.20	0.32	0.47

NEXT STEPS

Harvesting a loss in FCFS?

Estimate what the harvest could save →Check the eight wash-sale traps →Document the trade with a Tax Memo →

Replacement research for FCFS's peers

EZPW SYF ECPG ALLY ENVA AXP COF SLM WRLD NAVI BFH DAVE SOFI PRG

Browse all tickers →

Method: Pearson correlation of daily closing-price returns, Yahoo Finance data, series aligned by trading day, refreshed weekly. A cell is blank when overlapping history covers less than 60% of its window. Correlation is descriptive, not predictive. Wash-sale treatment depends on facts and circumstances — confirm with a tax professional. Not investment advice.