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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and CVR ENERGY INC (CVI). 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× CVR ENERGY INC). AMERICAN FINANCIAL GROUP INC runs the higher net margin — 14.5% vs -6.1%, a 20.6% gap on every dollar of revenue. On growth, AMERICAN FINANCIAL GROUP INC posted the faster year-over-year revenue change (-4.0% vs -7.0%). Over the past eight quarters, AMERICAN FINANCIAL GROUP INC's revenue compounded faster (4.0% CAGR vs -1.4%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
CVR Energy Inc is a United States-based energy holding company operating two core segments: petroleum refining and nitrogen fertilizer manufacturing. It produces a wide range of products including gasoline, diesel, jet fuel, and agricultural fertilizers, primarily serving commercial, industrial and agricultural customers across North America.
AFG vs CVI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $1.8B |
| Net Profit | $299.0M | $-110.0M |
| Gross Margin | — | -3.1% |
| Operating Margin | 18.4% | -5.3% |
| Net Margin | 14.5% | -6.1% |
| Revenue YoY | -4.0% | -7.0% |
| Net Profit YoY | 17.3% | -492.9% |
| EPS (diluted) | $3.59 | $-1.09 |
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 | $1.9B | ||
| Q2 25 | $1.9B | $1.8B | ||
| Q1 25 | $1.9B | $1.6B | ||
| Q4 24 | $2.1B | $1.9B | ||
| Q3 24 | $2.4B | $1.8B | ||
| Q2 24 | $1.9B | $2.0B | ||
| Q1 24 | $1.9B | $1.9B |
| Q4 25 | $299.0M | $-110.0M | ||
| Q3 25 | $215.0M | $374.0M | ||
| Q2 25 | $174.0M | $-114.0M | ||
| Q1 25 | $154.0M | $-123.0M | ||
| Q4 24 | $255.0M | $28.0M | ||
| Q3 24 | $181.0M | $-124.0M | ||
| Q2 24 | $209.0M | $21.0M | ||
| Q1 24 | $242.0M | $82.0M |
| Q4 25 | — | -3.1% | ||
| Q3 25 | — | 28.8% | ||
| Q2 25 | — | -3.7% | ||
| Q1 25 | — | -5.5% | ||
| Q4 24 | — | 3.0% | ||
| Q3 24 | — | -3.9% | ||
| Q2 24 | — | 2.9% | ||
| Q1 24 | — | 8.6% |
| Q4 25 | 18.4% | -5.3% | ||
| Q3 25 | 11.5% | 26.3% | ||
| Q2 25 | 11.9% | -5.8% | ||
| Q1 25 | 10.6% | -8.0% | ||
| Q4 24 | 14.9% | 1.1% | ||
| Q3 24 | 9.7% | -6.2% | ||
| Q2 24 | 14.3% | 1.4% | ||
| Q1 24 | 15.9% | 6.6% |
| Q4 25 | 14.5% | -6.1% | ||
| Q3 25 | 9.2% | 19.2% | ||
| Q2 25 | 9.0% | -6.5% | ||
| Q1 25 | 8.3% | -7.5% | ||
| Q4 24 | 11.9% | 1.4% | ||
| Q3 24 | 7.6% | -6.8% | ||
| Q2 24 | 11.0% | 1.1% | ||
| Q1 24 | 12.7% | 4.4% |
| Q4 25 | $3.59 | $-1.09 | ||
| Q3 25 | $2.58 | $3.72 | ||
| Q2 25 | $2.07 | $-1.14 | ||
| Q1 25 | $1.84 | $-1.22 | ||
| Q4 24 | $3.03 | $0.28 | ||
| Q3 24 | $2.16 | $-1.24 | ||
| Q2 24 | $2.49 | $0.21 | ||
| Q1 24 | $2.89 | $0.81 |
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 | $511.0M |
| Total DebtLower is stronger | $1.8B | $1.8B |
| Stockholders' EquityBook value | $4.8B | $730.0M |
| Total Assets | $32.6B | $3.7B |
| Debt / EquityLower = less leverage | 0.38× | 2.40× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $511.0M | ||
| Q3 25 | $1.8B | $670.0M | ||
| Q2 25 | $1.3B | $596.0M | ||
| Q1 25 | $1.3B | $695.0M | ||
| Q4 24 | $1.4B | $987.0M | ||
| Q3 24 | $1.3B | $534.0M | ||
| Q2 24 | $1.1B | $586.0M | ||
| Q1 24 | $1.1B | $644.0M |
| Q4 25 | $1.8B | $1.8B | ||
| Q3 25 | $1.8B | $1.8B | ||
| Q2 25 | $1.5B | $1.8B | ||
| Q1 25 | $1.5B | $1.9B | ||
| Q4 24 | $1.5B | $1.9B | ||
| Q3 24 | $1.5B | $1.6B | ||
| Q2 24 | $1.5B | $1.6B | ||
| Q1 24 | $1.5B | $1.6B |
| Q4 25 | $4.8B | $730.0M | ||
| Q3 25 | $4.7B | $840.0M | ||
| Q2 25 | $4.5B | $466.0M | ||
| Q1 25 | $4.4B | $580.0M | ||
| Q4 24 | $4.5B | $703.0M | ||
| Q3 24 | $4.7B | $675.0M | ||
| Q2 24 | $4.4B | $849.0M | ||
| Q1 24 | $4.2B | $879.0M |
| Q4 25 | $32.6B | $3.7B | ||
| Q3 25 | $33.8B | $4.0B | ||
| Q2 25 | $30.7B | $4.0B | ||
| Q1 25 | $30.3B | $4.3B | ||
| Q4 24 | $30.8B | $4.3B | ||
| Q3 24 | $32.6B | $3.9B | ||
| Q2 24 | $29.9B | $4.0B | ||
| Q1 24 | $30.0B | $4.1B |
| Q4 25 | 0.38× | 2.40× | ||
| Q3 25 | 0.38× | 2.17× | ||
| Q2 25 | 0.33× | 3.97× | ||
| Q1 25 | 0.34× | 3.29× | ||
| Q4 24 | 0.33× | 2.71× | ||
| Q3 24 | 0.31× | 2.33× | ||
| Q2 24 | 0.34× | 1.86× | ||
| Q1 24 | 0.35× | 1.79× |
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 | $0 |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 3.0% |
| Cash ConversionOCF / Net Profit | 2.62× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $0 | ||
| Q3 25 | $216.0M | $163.0M | ||
| Q2 25 | $191.0M | $176.0M | ||
| Q1 25 | $342.0M | $-195.0M | ||
| Q4 24 | $674.0M | $98.0M | ||
| Q3 24 | $459.0M | $48.0M | ||
| Q2 24 | $-88.0M | $81.0M | ||
| Q1 24 | $107.0M | $177.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | $125.0M | ||
| Q2 25 | — | $135.0M | ||
| Q1 25 | — | $-246.0M | ||
| Q4 24 | — | $43.0M | ||
| Q3 24 | — | $14.0M | ||
| Q2 24 | — | $38.0M | ||
| Q1 24 | — | $130.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | 6.4% | ||
| Q2 25 | — | 7.7% | ||
| Q1 25 | — | -14.9% | ||
| Q4 24 | — | 2.2% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 1.9% | ||
| Q1 24 | — | 7.0% |
| Q4 25 | — | 3.0% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | 2.8% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | 2.5% |
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | 0.44× | ||
| Q2 25 | 1.10× | — | ||
| Q1 25 | 2.22× | — | ||
| Q4 24 | 2.64× | 3.50× | ||
| Q3 24 | 2.54× | — | ||
| Q2 24 | -0.42× | 3.86× | ||
| Q1 24 | 0.44× | 2.16× |
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% |
CVI
| Petroleum Segment | $1.6B | 91% |
| Product UAN | $64.0M | 4% |
| Product Ammonia | $51.0M | 3% |
| Renewables Diesel | $27.0M | 1% |
| Product Urea Products | $8.0M | 0% |
| Renewable Fuel Credits | $7.0M | 0% |
