Two major finance companies are taking an unwarranted beating on Wall Street because of the interest rate concerns pummeling bank and thrift stocks, analysts said.

Shares of Associates First Capital Corp., the nation's largest consumer finance company and a major commercial financier, have fallen 27% from their high point in April, and shares of Heller Financial Inc., a leader in asset-based lending, have fallen 30%. The rock-bottom prices have spurred a handful of analysts this month to begin covering these stocks, which are being unanimously touted as significant buying opportunities.

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