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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and Chewy, Inc. (CHWY). Click either name above to swap in a different company.
Chewy, Inc. is the larger business by last-quarter revenue ($3.1B vs $2.1B, roughly 1.5× AMERICAN FINANCIAL GROUP INC). AMERICAN FINANCIAL GROUP INC runs the higher net margin — 14.5% vs 1.9%, a 12.6% gap on every dollar of revenue. On growth, Chewy, Inc. posted the faster year-over-year revenue change (8.3% vs -4.0%). Over the past eight quarters, Chewy, Inc.'s revenue compounded faster (4.6% CAGR vs 4.0%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
Chewy, Inc. is an American online retailer of pet food and other pet-related products based in Plantation, Florida. Chewy went public in 2019 with the ticker symbol CHWY on the New York Stock Exchange.
AFG vs CHWY — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $3.1B |
| Net Profit | $299.0M | $59.2M |
| Gross Margin | — | 29.8% |
| Operating Margin | 18.4% | 2.1% |
| Net Margin | 14.5% | 1.9% |
| Revenue YoY | -4.0% | 8.3% |
| Net Profit YoY | 17.3% | 1405.6% |
| EPS (diluted) | $3.59 | $0.14 |
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 | $3.1B | ||
| Q3 25 | $2.3B | $3.1B | ||
| Q2 25 | $1.9B | $3.1B | ||
| Q1 25 | $1.9B | $3.2B | ||
| Q4 24 | $2.1B | $2.9B | ||
| Q3 24 | $2.4B | $2.9B | ||
| Q2 24 | $1.9B | $2.9B | ||
| Q1 24 | $1.9B | $2.8B |
| Q4 25 | $299.0M | $59.2M | ||
| Q3 25 | $215.0M | $62.0M | ||
| Q2 25 | $174.0M | $62.4M | ||
| Q1 25 | $154.0M | $22.8M | ||
| Q4 24 | $255.0M | $3.9M | ||
| Q3 24 | $181.0M | $299.1M | ||
| Q2 24 | $209.0M | $66.9M | ||
| Q1 24 | $242.0M | $34.3M |
| Q4 25 | — | 29.8% | ||
| Q3 25 | — | 30.4% | ||
| Q2 25 | — | 29.6% | ||
| Q1 25 | — | 28.5% | ||
| Q4 24 | — | 29.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.7% | ||
| Q1 24 | — | 28.2% |
| Q4 25 | 18.4% | 2.1% | ||
| Q3 25 | 11.5% | 2.2% | ||
| Q2 25 | 11.9% | 2.5% | ||
| Q1 25 | 10.6% | -0.3% | ||
| Q4 24 | 14.9% | 0.9% | ||
| Q3 24 | 9.7% | 1.1% | ||
| Q2 24 | 14.3% | 2.2% | ||
| Q1 24 | 15.9% | -0.7% |
| Q4 25 | 14.5% | 1.9% | ||
| Q3 25 | 9.2% | 2.0% | ||
| Q2 25 | 9.0% | 2.0% | ||
| Q1 25 | 8.3% | 0.7% | ||
| Q4 24 | 11.9% | 0.1% | ||
| Q3 24 | 7.6% | 10.5% | ||
| Q2 24 | 11.0% | 2.3% | ||
| Q1 24 | 12.7% | 1.2% |
| Q4 25 | $3.59 | $0.14 | ||
| Q3 25 | $2.58 | $0.14 | ||
| Q2 25 | $2.07 | $0.15 | ||
| Q1 25 | $1.84 | $0.07 | ||
| Q4 24 | $3.03 | $0.01 | ||
| Q3 24 | $2.16 | $0.68 | ||
| Q2 24 | $2.49 | $0.15 | ||
| Q1 24 | $2.89 | $0.08 |
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 | $701.5M |
| Total DebtLower is stronger | $1.8B | — |
| Stockholders' EquityBook value | $4.8B | $469.4M |
| Total Assets | $32.6B | $3.3B |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $701.5M | ||
| Q3 25 | $1.8B | $591.8M | ||
| Q2 25 | $1.3B | $616.4M | ||
| Q1 25 | $1.3B | $596.7M | ||
| Q4 24 | $1.4B | $507.5M | ||
| Q3 24 | $1.3B | $695.0M | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.1B | $1.1B |
| 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 | $469.4M | ||
| Q3 25 | $4.7B | $389.9M | ||
| Q2 25 | $4.5B | $375.6M | ||
| Q1 25 | $4.4B | $261.5M | ||
| Q4 24 | $4.5B | $223.4M | ||
| Q3 24 | $4.7B | $486.7M | ||
| Q2 24 | $4.4B | $642.9M | ||
| Q1 24 | $4.2B | $510.2M |
| Q4 25 | $32.6B | $3.3B | ||
| Q3 25 | $33.8B | $3.1B | ||
| Q2 25 | $30.7B | $3.1B | ||
| Q1 25 | $30.3B | $3.0B | ||
| Q4 24 | $30.8B | $3.0B | ||
| Q3 24 | $32.6B | $3.1B | ||
| Q2 24 | $29.9B | $3.2B | ||
| Q1 24 | $30.0B | $3.2B |
| 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 | $207.9M |
| Free Cash FlowOCF − Capex | — | $175.8M |
| FCF MarginFCF / Revenue | — | 5.6% |
| Capex IntensityCapex / Revenue | — | 1.0% |
| Cash ConversionOCF / Net Profit | 2.62× | 3.51× |
| TTM Free Cash FlowTrailing 4 quarters | — | $487.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $207.9M | ||
| Q3 25 | $216.0M | $133.9M | ||
| Q2 25 | $191.0M | $86.4M | ||
| Q1 25 | $342.0M | $207.5M | ||
| Q4 24 | $674.0M | $183.5M | ||
| Q3 24 | $459.0M | $123.4M | ||
| Q2 24 | $-88.0M | $81.9M | ||
| Q1 24 | $107.0M | $98.9M |
| Q4 25 | — | $175.8M | ||
| Q3 25 | — | $105.9M | ||
| Q2 25 | — | $48.7M | ||
| Q1 25 | — | $156.6M | ||
| Q4 24 | — | $151.8M | ||
| Q3 24 | — | $91.5M | ||
| Q2 24 | — | $52.6M | ||
| Q1 24 | — | $66.5M |
| Q4 25 | — | 5.6% | ||
| Q3 25 | — | 3.4% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | 4.8% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | 1.8% | ||
| Q1 24 | — | 2.3% |
| Q4 25 | — | 1.0% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 1.6% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.0% | ||
| Q1 24 | — | 1.1% |
| Q4 25 | 2.62× | 3.51× | ||
| Q3 25 | 1.00× | 2.16× | ||
| Q2 25 | 1.10× | 1.38× | ||
| Q1 25 | 2.22× | 9.10× | ||
| Q4 24 | 2.64× | 46.66× | ||
| Q3 24 | 2.54× | 0.41× | ||
| Q2 24 | -0.42× | 1.22× | ||
| Q1 24 | 0.44× | 2.89× |
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% |
CHWY
Segment breakdown not available.
