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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and CIVITAS RESOURCES, INC. (CIVI). 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 $1.2B, roughly 1.8× CIVITAS RESOURCES, INC.). On growth, AMERICAN FINANCIAL GROUP INC posted the faster year-over-year revenue change (-4.0% vs -8.2%). Over the past eight quarters, AMERICAN FINANCIAL GROUP INC's revenue compounded faster (4.0% CAGR vs 1.8%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
Civitas Resources, Inc. is a U.S.-based sustainable energy enterprise focused on the exploration, development, and production of oil, natural gas, and natural gas liquids. It primarily operates across the Denver-Julesburg Basin in Colorado, prioritizing low-emission, responsible energy production to meet diverse North American energy demand.
AFG vs CIVI — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $1.2B |
| Net Profit | $299.0M | — |
| Gross Margin | — | — |
| Operating Margin | 18.4% | 20.0% |
| Net Margin | 14.5% | — |
| Revenue YoY | -4.0% | -8.2% |
| Net Profit YoY | 17.3% | — |
| EPS (diluted) | $3.59 | $1.99 |
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 | — | ||
| Q3 25 | $2.3B | $1.2B | ||
| Q2 25 | $1.9B | $1.1B | ||
| Q1 25 | $1.9B | $1.2B | ||
| Q4 24 | $2.1B | $1.3B | ||
| Q3 24 | $2.4B | $1.3B | ||
| Q2 24 | $1.9B | $1.3B | ||
| Q1 24 | $1.9B | $1.3B |
| Q4 25 | $299.0M | — | ||
| Q3 25 | $215.0M | — | ||
| Q2 25 | $174.0M | — | ||
| Q1 25 | $154.0M | — | ||
| Q4 24 | $255.0M | — | ||
| Q3 24 | $181.0M | — | ||
| Q2 24 | $209.0M | — | ||
| Q1 24 | $242.0M | — |
| Q4 25 | 18.4% | — | ||
| Q3 25 | 11.5% | 20.0% | ||
| Q2 25 | 11.9% | 15.3% | ||
| Q1 25 | 10.6% | 20.7% | ||
| Q4 24 | 14.9% | 15.4% | ||
| Q3 24 | 9.7% | 30.6% | ||
| Q2 24 | 14.3% | 21.6% | ||
| Q1 24 | 15.9% | 15.9% |
| Q4 25 | 14.5% | — | ||
| Q3 25 | 9.2% | — | ||
| Q2 25 | 9.0% | — | ||
| Q1 25 | 8.3% | — | ||
| Q4 24 | 11.9% | — | ||
| Q3 24 | 7.6% | — | ||
| Q2 24 | 11.0% | — | ||
| Q1 24 | 12.7% | — |
| Q4 25 | $3.59 | — | ||
| Q3 25 | $2.58 | $1.99 | ||
| Q2 25 | $2.07 | $1.34 | ||
| Q1 25 | $1.84 | $1.99 | ||
| Q4 24 | $3.03 | $1.56 | ||
| Q3 24 | $2.16 | $3.01 | ||
| Q2 24 | $2.49 | $2.15 | ||
| Q1 24 | $2.89 | $1.74 |
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 | $56.0M |
| Total DebtLower is stronger | $1.8B | $5.1B |
| Stockholders' EquityBook value | $4.8B | $6.7B |
| Total Assets | $32.6B | $15.1B |
| Debt / EquityLower = less leverage | 0.38× | 0.77× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.8B | $56.0M | ||
| Q2 25 | $1.3B | $69.0M | ||
| Q1 25 | $1.3B | $20.0M | ||
| Q4 24 | $1.4B | $76.0M | ||
| Q3 24 | $1.3B | $47.1M | ||
| Q2 24 | $1.1B | $91.9M | ||
| Q1 24 | $1.1B | $52.1M |
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.8B | $5.1B | ||
| Q2 25 | $1.5B | $5.4B | ||
| Q1 25 | $1.5B | $5.1B | ||
| Q4 24 | $1.5B | $4.5B | ||
| Q3 24 | $1.5B | $4.8B | ||
| Q2 24 | $1.5B | $4.9B | ||
| Q1 24 | $1.5B | $4.4B |
| Q4 25 | $4.8B | — | ||
| Q3 25 | $4.7B | $6.7B | ||
| Q2 25 | $4.5B | $6.8B | ||
| Q1 25 | $4.4B | $6.7B | ||
| Q4 24 | $4.5B | $6.6B | ||
| Q3 24 | $4.7B | $6.7B | ||
| Q2 24 | $4.4B | $6.6B | ||
| Q1 24 | $4.2B | $6.6B |
| Q4 25 | $32.6B | — | ||
| Q3 25 | $33.8B | $15.1B | ||
| Q2 25 | $30.7B | $15.4B | ||
| Q1 25 | $30.3B | $15.3B | ||
| Q4 24 | $30.8B | $14.9B | ||
| Q3 24 | $32.6B | $15.0B | ||
| Q2 24 | $29.9B | $15.0B | ||
| Q1 24 | $30.0B | $15.1B |
| Q4 25 | 0.38× | — | ||
| Q3 25 | 0.38× | 0.77× | ||
| Q2 25 | 0.33× | 0.79× | ||
| Q1 25 | 0.34× | 0.76× | ||
| Q4 24 | 0.33× | 0.68× | ||
| Q3 24 | 0.31× | 0.73× | ||
| Q2 24 | 0.34× | 0.74× | ||
| Q1 24 | 0.35× | 0.67× |
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 | $860.0M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 2.62× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | — | ||
| Q3 25 | $216.0M | $860.0M | ||
| Q2 25 | $191.0M | $298.0M | ||
| Q1 25 | $342.0M | $719.0M | ||
| Q4 24 | $674.0M | $858.2M | ||
| Q3 24 | $459.0M | $835.0M | ||
| Q2 24 | $-88.0M | $359.0M | ||
| Q1 24 | $107.0M | $813.0M |
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | — | ||
| Q2 25 | 1.10× | — | ||
| Q1 25 | 2.22× | — | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | — | ||
| Q2 24 | -0.42× | — | ||
| 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% |
CIVI
| Crude Oil Natural Gas And Natural Gas Liquids | $1.2B | 99% |
| Oil And Gas Operation And Maintenance | $8.0M | 1% |
| Natural Gas Reserves | $2.0M | 0% |
