One out of the three major indices are trading lower today with the

Dow Jones Industrial Average

(

^DJI

) trading up 21 points (0.1%) at 16,188 as of Wednesday, Jan. 27, 2016, 11:55 AM ET. The NYSE advances/declines ratio sits at 1,791 issues advancing vs. 1,124 declining with 176 unchanged.

The Financial Services industry currently sits up 0.2% versus the S&P 500, which is up 0.2%. On the negative front, top decliners within the industry include

Total System Services

(

TSS

), down 11.0%, and

State Street

(

STT

), down 4.3%. Top gainers within the industry include

Capital One Financial

(

COF

), up 6.1%,

Navient

(

NAVI

), up 4.9%,

Orix

(

IX

), up 4.3%,

Raymond James Financial

(

RJF

), up 3.4% and

Northern

(

NTRS

), up 2.6%.

TheStreet would like to highlight 3 stocks pushing the industry lower today:

3.

OneMain Holdings

(

OMF

) is one of the companies pushing the Financial Services industry lower today. As of noon trading, OneMain Holdings is down $1.75 (-6.0%) to $27.63 on average volume. Thus far, 567,100 shares of OneMain Holdings exchanged hands as compared to its average daily volume of 805,700 shares. The stock has ranged in price between $27.17-$28.58 after having opened the day at $28.58 as compared to the previous trading day's close of $29.38.

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OneMain Holdings, Inc., through its subsidiaries, provides consumer finance and credit insurance products and services. It provides personal loans secured by consumer household goods, and other personal property; and unsecured loans. OneMain Holdings has a market cap of $3.8 billion and is part of the financial sector. Shares are down 29.3% year-to-date as of the close of trading on Tuesday. Currently there are 7 analysts that rate OneMain Holdings a buy, no analysts rate it a sell, and 2 rate it a hold.

TheStreet Ratings rates

OneMain Holdings

TST Recommends

as a

sell

. The company's weaknesses can be seen in multiple areas, such as its deteriorating net income, generally high debt management risk, disappointing return on equity, generally disappointing historical performance in the stock itself and feeble growth in its earnings per share. Get the full

OneMain Holdings Ratings Report

now.

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2. As of noon trading,

MasterCard

(

MA

) is down $0.57 (-0.7%) to $86.43 on average volume. Thus far, 1.8 million shares of MasterCard exchanged hands as compared to its average daily volume of 4.3 million shares. The stock has ranged in price between $85.52-$87.05 after having opened the day at $86.99 as compared to the previous trading day's close of $87.00.

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MasterCard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. MasterCard has a market cap of $95.5 billion and is part of the financial sector. Shares are down 10.6% year-to-date as of the close of trading on Tuesday. Currently there are 20 analysts that rate MasterCard a buy, no analysts rate it a sell, and 5 rate it a hold.

TheStreet Ratings rates

MasterCard

as a

buy

. The company's strengths can be seen in multiple areas, such as its revenue growth, largely solid financial position with reasonable debt levels by most measures, notable return on equity, expanding profit margins and solid stock price performance. We feel its strengths outweigh the fact that the company shows weak operating cash flow. Get the full

MasterCard Ratings Report

now.

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1. As of noon trading,

Synchrony Financial

(

SYF

) is down $0.32 (-1.1%) to $28.34 on light volume. Thus far, 1.9 million shares of Synchrony Financial exchanged hands as compared to its average daily volume of 16.9 million shares. The stock has ranged in price between $28.28-$28.73 after having opened the day at $28.72 as compared to the previous trading day's close of $28.66.

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Synchrony Financial operates as a consumer financial services company in the United States. Synchrony Financial has a market cap of $23.7 billion and is part of the financial sector. Shares are down 5.8% year-to-date as of the close of trading on Tuesday. Currently there are 12 analysts that rate Synchrony Financial a buy, no analysts rate it a sell, and 1 rates it a hold.

TheStreet Ratings rates

Synchrony Financial

as a

hold

. The company's strengths can be seen in multiple areas, such as its revenue growth, notable return on equity and increase in net income. However, as a counter to these strengths, we find that the company's profit margins have been poor overall. Get the full

Synchrony Financial Ratings Report

now.

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If you are interested in one of these 3 stocks, ETFs may be of interest. Investors who are bullish on the financial services industry could consider

Financial Select Sector SPDR

(

XLF

) while those bearish on the financial services industry could consider

Proshares Short Financials

(

SEF

).