Abstract: With the rapid development of the sharing economy, the financing leasing industry is undergoing a crucial transformation. Decision-makers, confronted with uncertainty regarding the duration of equipment leasing demands, can achieve better decision-making by utilizing shared two-stage online algorithms and competitive analysis. This paper introduces a two-stage online leasing problem in the context of the sharing economy for financing leases. By incorporating variables such as shared revenue and leasing period ownership, the proposed model improves online competitive strategies to better reflect real-world scenarios, thereby providing decision-makers with the optimal online competitive ratios for strategy selection. Results reveal that distinct strategies exhibit variations in the optimal switching points, and selecting the appropriate time duration for strategy transitions can reduce decision costs and enhance the competitiveness of financing leases. This study highlights the importance of strategy transition timing in financing leasing, offering both practical and theoretical contributions.