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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and ARKO Corp. (ARKO). Click either name above to swap in a different company.
AMERICAN FINANCIAL GROUP INC is the larger business by last-quarter revenue ($2.1B vs $1.8B, roughly 1.1× ARKO Corp.). AMERICAN FINANCIAL GROUP INC runs the higher net margin — 14.5% vs 0.1%, a 14.4% gap on every dollar of revenue. On growth, AMERICAN FINANCIAL GROUP INC posted the faster year-over-year revenue change (-4.0% vs -9.9%). Over the past eight quarters, AMERICAN FINANCIAL GROUP INC's revenue compounded faster (4.0% CAGR vs -7.0%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
ARKO Corp. is a leading U.S. operator of convenience stores and fuel retail locations, primarily serving consumers across multiple states. It offers a wide range of products including fresh food, beverages, daily essentials, and motor fuels, alongside wholesale fuel distribution services for commercial partners.
AFG vs ARKO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $1.8B |
| Net Profit | $299.0M | $1.9M |
| Gross Margin | — | — |
| Operating Margin | 18.4% | 1.2% |
| Net Margin | 14.5% | 0.1% |
| Revenue YoY | -4.0% | -9.9% |
| Net Profit YoY | 17.3% | 180.9% |
| EPS (diluted) | $3.59 | $0.01 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $2.1B | $1.8B | ||
| Q3 25 | $2.3B | $2.0B | ||
| Q2 25 | $1.9B | $2.0B | ||
| Q1 25 | $1.9B | $1.8B | ||
| Q4 24 | $2.1B | $2.0B | ||
| Q3 24 | $2.4B | $2.3B | ||
| Q2 24 | $1.9B | $2.4B | ||
| Q1 24 | $1.9B | $2.1B |
| Q4 25 | $299.0M | $1.9M | ||
| Q3 25 | $215.0M | $13.5M | ||
| Q2 25 | $174.0M | $20.1M | ||
| Q1 25 | $154.0M | $-12.7M | ||
| Q4 24 | $255.0M | $-2.3M | ||
| Q3 24 | $181.0M | $9.7M | ||
| Q2 24 | $209.0M | $14.1M | ||
| Q1 24 | $242.0M | $-594.0K |
| Q4 25 | 18.4% | 1.2% | ||
| Q3 25 | 11.5% | 1.8% | ||
| Q2 25 | 11.9% | 2.8% | ||
| Q1 25 | 10.6% | -0.6% | ||
| Q4 24 | 14.9% | 0.7% | ||
| Q3 24 | 9.7% | 1.8% | ||
| Q2 24 | 14.3% | 1.8% | ||
| Q1 24 | 15.9% | -0.2% |
| Q4 25 | 14.5% | 0.1% | ||
| Q3 25 | 9.2% | 0.7% | ||
| Q2 25 | 9.0% | 1.0% | ||
| Q1 25 | 8.3% | -0.7% | ||
| Q4 24 | 11.9% | -0.1% | ||
| Q3 24 | 7.6% | 0.4% | ||
| Q2 24 | 11.0% | 0.6% | ||
| Q1 24 | 12.7% | -0.0% |
| Q4 25 | $3.59 | $0.01 | ||
| Q3 25 | $2.58 | $0.10 | ||
| Q2 25 | $2.07 | $0.16 | ||
| Q1 25 | $1.84 | $-0.12 | ||
| Q4 24 | $3.03 | $-0.03 | ||
| Q3 24 | $2.16 | $0.07 | ||
| Q2 24 | $2.49 | $0.11 | ||
| Q1 24 | $2.89 | $-0.02 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.7B | $311.5M |
| Total DebtLower is stronger | $1.8B | $912.1M |
| Stockholders' EquityBook value | $4.8B | $267.2M |
| Total Assets | $32.6B | $3.5B |
| Debt / EquityLower = less leverage | 0.38× | 3.41× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $311.5M | ||
| Q3 25 | $1.8B | $313.2M | ||
| Q2 25 | $1.3B | $299.7M | ||
| Q1 25 | $1.3B | $271.1M | ||
| Q4 24 | $1.4B | $267.1M | ||
| Q3 24 | $1.3B | $296.8M | ||
| Q2 24 | $1.1B | $236.5M | ||
| Q1 24 | $1.1B | $189.1M |
| Q4 25 | $1.8B | $912.1M | ||
| Q3 25 | $1.8B | $911.6M | ||
| Q2 25 | $1.5B | $916.4M | ||
| Q1 25 | $1.5B | $880.1M | ||
| Q4 24 | $1.5B | $881.0M | ||
| Q3 24 | $1.5B | $884.7M | ||
| Q2 24 | $1.5B | $889.9M | ||
| Q1 24 | $1.5B | $885.0M |
| Q4 25 | $4.8B | $267.2M | ||
| Q3 25 | $4.7B | $273.1M | ||
| Q2 25 | $4.5B | $264.8M | ||
| Q1 25 | $4.4B | $255.2M | ||
| Q4 24 | $4.5B | $276.9M | ||
| Q3 24 | $4.7B | $280.0M | ||
| Q2 24 | $4.4B | $273.1M | ||
| Q1 24 | $4.2B | $261.2M |
| Q4 25 | $32.6B | $3.5B | ||
| Q3 25 | $33.8B | $3.6B | ||
| Q2 25 | $30.7B | $3.6B | ||
| Q1 25 | $30.3B | $3.6B | ||
| Q4 24 | $30.8B | $3.6B | ||
| Q3 24 | $32.6B | $3.7B | ||
| Q2 24 | $29.9B | $3.7B | ||
| Q1 24 | $30.0B | $3.6B |
| Q4 25 | 0.38× | 3.41× | ||
| Q3 25 | 0.38× | 3.34× | ||
| Q2 25 | 0.33× | 3.46× | ||
| Q1 25 | 0.34× | 3.45× | ||
| Q4 24 | 0.33× | 3.18× | ||
| Q3 24 | 0.31× | 3.16× | ||
| Q2 24 | 0.34× | 3.26× | ||
| Q1 24 | 0.35× | 3.39× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $784.0M | $44.6M |
| Free Cash FlowOCF − Capex | — | $14.9M |
| FCF MarginFCF / Revenue | — | 0.8% |
| Capex IntensityCapex / Revenue | — | 1.7% |
| Cash ConversionOCF / Net Profit | 2.62× | 23.98× |
| TTM Free Cash FlowTrailing 4 quarters | — | $65.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $44.6M | ||
| Q3 25 | $216.0M | $49.4M | ||
| Q2 25 | $191.0M | $55.2M | ||
| Q1 25 | $342.0M | $43.4M | ||
| Q4 24 | $674.0M | $22.7M | ||
| Q3 24 | $459.0M | $109.2M | ||
| Q2 24 | $-88.0M | $77.2M | ||
| Q1 24 | $107.0M | $12.8M |
| Q4 25 | — | $14.9M | ||
| Q3 25 | — | $24.5M | ||
| Q2 25 | — | $9.8M | ||
| Q1 25 | — | $16.0M | ||
| Q4 24 | — | $-13.4M | ||
| Q3 24 | — | $79.9M | ||
| Q2 24 | — | $57.9M | ||
| Q1 24 | — | $-16.5M |
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | -0.7% | ||
| Q3 24 | — | 3.5% | ||
| Q2 24 | — | 2.4% | ||
| Q1 24 | — | -0.8% |
| Q4 25 | — | 1.7% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | 1.5% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 1.4% |
| Q4 25 | 2.62× | 23.98× | ||
| Q3 25 | 1.00× | 3.67× | ||
| Q2 25 | 1.10× | 2.75× | ||
| Q1 25 | 2.22× | — | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | 11.28× | ||
| Q2 24 | -0.42× | 5.49× | ||
| Q1 24 | 0.44× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AFG
| Property And Casualty Insurance | $2.0B | 96% |
| Other | $83.0M | 4% |
ARKO
| Fuel Products | $1.4B | 79% |
| Merchandise Products | $338.1M | 19% |
| Other Product | $33.6M | 2% |
