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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and ACUITY INC. (DE) (AYI). 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 $1.1B, roughly 1.8× ACUITY INC. (DE)). AMERICAN FINANCIAL GROUP INC runs the higher net margin — 14.5% vs 10.5%, a 4.0% gap on every dollar of revenue. On growth, ACUITY INC. (DE) posted the faster year-over-year revenue change (20.2% vs -4.0%). Over the past eight quarters, ACUITY INC. (DE)'s revenue compounded faster (12.4% CAGR vs 4.0%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
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AFG vs AYI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $1.1B |
| Net Profit | $299.0M | $120.5M |
| Gross Margin | — | 48.4% |
| Operating Margin | 18.4% | 14.0% |
| Net Margin | 14.5% | 10.5% |
| Revenue YoY | -4.0% | 20.2% |
| Net Profit YoY | 17.3% | 12.9% |
| EPS (diluted) | $3.59 | $3.82 |
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 | $1.1B | ||
| Q3 25 | $2.3B | $1.2B | ||
| Q2 25 | $1.9B | $1.2B | ||
| Q1 25 | $1.9B | $1.0B | ||
| Q4 24 | $2.1B | $951.6M | ||
| Q3 24 | $2.4B | $1.0B | ||
| Q2 24 | $1.9B | $968.1M | ||
| Q1 24 | $1.9B | $905.9M |
| Q4 25 | $299.0M | $120.5M | ||
| Q3 25 | $215.0M | $114.0M | ||
| Q2 25 | $174.0M | $98.4M | ||
| Q1 25 | $154.0M | $77.5M | ||
| Q4 24 | $255.0M | $106.7M | ||
| Q3 24 | $181.0M | $118.9M | ||
| Q2 24 | $209.0M | $113.9M | ||
| Q1 24 | $242.0M | $89.2M |
| Q4 25 | — | 48.4% | ||
| Q3 25 | — | 48.9% | ||
| Q2 25 | — | 48.4% | ||
| Q1 25 | — | 46.5% | ||
| Q4 24 | — | 47.2% | ||
| Q3 24 | — | 47.3% | ||
| Q2 24 | — | 46.7% | ||
| Q1 24 | — | 45.5% |
| Q4 25 | 18.4% | 14.0% | ||
| Q3 25 | 11.5% | 14.9% | ||
| Q2 25 | 11.9% | 11.9% | ||
| Q1 25 | 10.6% | 11.0% | ||
| Q4 24 | 14.9% | 14.0% | ||
| Q3 24 | 9.7% | 15.2% | ||
| Q2 24 | 14.3% | 15.0% | ||
| Q1 24 | 15.9% | 13.0% |
| Q4 25 | 14.5% | 10.5% | ||
| Q3 25 | 9.2% | 9.4% | ||
| Q2 25 | 9.0% | 8.3% | ||
| Q1 25 | 8.3% | 7.7% | ||
| Q4 24 | 11.9% | 11.2% | ||
| Q3 24 | 7.6% | 11.5% | ||
| Q2 24 | 11.0% | 11.8% | ||
| Q1 24 | 12.7% | 9.8% |
| Q4 25 | $3.59 | $3.82 | ||
| Q3 25 | $2.58 | $3.61 | ||
| Q2 25 | $2.07 | $3.12 | ||
| Q1 25 | $1.84 | $2.45 | ||
| Q4 24 | $3.03 | $3.35 | ||
| Q3 24 | $2.16 | $3.77 | ||
| Q2 24 | $2.49 | $3.62 | ||
| Q1 24 | $2.89 | $2.84 |
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 | $376.1M |
| Total DebtLower is stronger | $1.8B | — |
| Stockholders' EquityBook value | $4.8B | $2.8B |
| Total Assets | $32.6B | $4.7B |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $376.1M | ||
| Q3 25 | $1.8B | $422.5M | ||
| Q2 25 | $1.3B | $371.8M | ||
| Q1 25 | $1.3B | $397.9M | ||
| Q4 24 | $1.4B | $935.6M | ||
| Q3 24 | $1.3B | $845.8M | ||
| Q2 24 | $1.1B | $699.0M | ||
| Q1 24 | $1.1B | $578.9M |
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.5B | — | ||
| Q1 24 | $1.5B | — |
| Q4 25 | $4.8B | $2.8B | ||
| Q3 25 | $4.7B | $2.7B | ||
| Q2 25 | $4.5B | $2.6B | ||
| Q1 25 | $4.4B | $2.5B | ||
| Q4 24 | $4.5B | $2.5B | ||
| Q3 24 | $4.7B | $2.4B | ||
| Q2 24 | $4.4B | $2.3B | ||
| Q1 24 | $4.2B | $2.1B |
| Q4 25 | $32.6B | $4.7B | ||
| Q3 25 | $33.8B | $4.8B | ||
| Q2 25 | $30.7B | $4.6B | ||
| Q1 25 | $30.3B | $4.6B | ||
| Q4 24 | $30.8B | $3.9B | ||
| Q3 24 | $32.6B | $3.8B | ||
| Q2 24 | $29.9B | $3.6B | ||
| Q1 24 | $30.0B | $3.5B |
| Q4 25 | 0.38× | — | ||
| Q3 25 | 0.38× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.33× | — | ||
| Q3 24 | 0.31× | — | ||
| Q2 24 | 0.34× | — | ||
| Q1 24 | 0.35× | — |
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 | $140.8M |
| Free Cash FlowOCF − Capex | — | $114.8M |
| FCF MarginFCF / Revenue | — | 10.0% |
| Capex IntensityCapex / Revenue | — | 2.3% |
| Cash ConversionOCF / Net Profit | 2.62× | 1.17× |
| TTM Free Cash FlowTrailing 4 quarters | — | $534.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $140.8M | ||
| Q3 25 | $216.0M | $202.5M | ||
| Q2 25 | $191.0M | $207.3M | ||
| Q1 25 | $342.0M | $59.4M | ||
| Q4 24 | $674.0M | $132.2M | ||
| Q3 24 | $459.0M | $174.1M | ||
| Q2 24 | $-88.0M | $152.5M | ||
| Q1 24 | $107.0M | $102.6M |
| Q4 25 | — | $114.8M | ||
| Q3 25 | — | $177.7M | ||
| Q2 25 | — | $192.3M | ||
| Q1 25 | — | $49.7M | ||
| Q4 24 | — | $113.3M | ||
| Q3 24 | — | $151.1M | ||
| Q2 24 | — | $140.5M | ||
| Q1 24 | — | $88.2M |
| Q4 25 | — | 10.0% | ||
| Q3 25 | — | 14.7% | ||
| Q2 25 | — | 16.3% | ||
| Q1 25 | — | 4.9% | ||
| Q4 24 | — | 11.9% | ||
| Q3 24 | — | 14.6% | ||
| Q2 24 | — | 14.5% | ||
| Q1 24 | — | 9.7% |
| Q4 25 | — | 2.3% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | 1.3% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 2.0% | ||
| Q3 24 | — | 2.2% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.6% |
| Q4 25 | 2.62× | 1.17× | ||
| Q3 25 | 1.00× | 1.78× | ||
| Q2 25 | 1.10× | 2.11× | ||
| Q1 25 | 2.22× | 0.77× | ||
| Q4 24 | 2.64× | 1.24× | ||
| Q3 24 | 2.54× | 1.46× | ||
| Q2 24 | -0.42× | 1.34× | ||
| Q1 24 | 0.44× | 1.15× |
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% |
AYI
| Sales Channel Through Independent Sales Network | $616.7M | 54% |
| Acuity Intelligent Spaces | $248.1M | 22% |
| QSCLLC | $95.1M | 8% |
| Sales Channel Through Direct Sales Network | $70.6M | 6% |
| Sales Channel Through Original Equipment Manufacturer And Other | $49.1M | 4% |
| Sales Channel Through Corporate Accounts Network | $40.7M | 4% |
| Sales Channel Through Retail | $40.3M | 4% |
