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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and KB HOME (KBH). 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 $1.7B, roughly 1.2× KB HOME). AMERICAN FINANCIAL GROUP INC runs the higher net margin — 14.5% vs 6.0%, a 8.5% gap on every dollar of revenue. On growth, AMERICAN FINANCIAL GROUP INC posted the faster year-over-year revenue change (-4.0% vs -15.3%). Over the past eight quarters, KB HOME's revenue compounded faster (7.4% CAGR vs 4.0%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
KB Home is an American homebuilding company founded in 1957 as Kaufman & Broad in Detroit, Michigan. It was the first company to be traded on the New York Stock Exchange as a home builder. Its headquarters are in Los Angeles, California.
AFG vs KBH — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $1.7B |
| Net Profit | $299.0M | $101.5M |
| Gross Margin | — | — |
| Operating Margin | 18.4% | — |
| Net Margin | 14.5% | 6.0% |
| Revenue YoY | -4.0% | -15.3% |
| Net Profit YoY | 17.3% | -46.7% |
| EPS (diluted) | $3.59 | $1.55 |
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 | $1.7B | ||
| Q3 25 | $2.3B | $1.6B | ||
| Q2 25 | $1.9B | $1.5B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $2.1B | $2.0B | ||
| Q3 24 | $2.4B | $1.8B | ||
| Q2 24 | $1.9B | $1.7B | ||
| Q1 24 | $1.9B | $1.5B |
| Q4 25 | $299.0M | $101.5M | ||
| Q3 25 | $215.0M | $109.8M | ||
| Q2 25 | $174.0M | $107.9M | ||
| Q1 25 | $154.0M | $109.6M | ||
| Q4 24 | $255.0M | $190.6M | ||
| Q3 24 | $181.0M | $157.3M | ||
| Q2 24 | $209.0M | $168.4M | ||
| Q1 24 | $242.0M | $138.7M |
| Q4 25 | 18.4% | — | ||
| Q3 25 | 11.5% | — | ||
| Q2 25 | 11.9% | — | ||
| Q1 25 | 10.6% | — | ||
| Q4 24 | 14.9% | — | ||
| Q3 24 | 9.7% | — | ||
| Q2 24 | 14.3% | — | ||
| Q1 24 | 15.9% | — |
| Q4 25 | 14.5% | 6.0% | ||
| Q3 25 | 9.2% | 6.8% | ||
| Q2 25 | 9.0% | 7.1% | ||
| Q1 25 | 8.3% | 7.9% | ||
| Q4 24 | 11.9% | 9.5% | ||
| Q3 24 | 7.6% | 9.0% | ||
| Q2 24 | 11.0% | 9.9% | ||
| Q1 24 | 12.7% | 9.4% |
| Q4 25 | $3.59 | $1.55 | ||
| Q3 25 | $2.58 | $1.61 | ||
| Q2 25 | $2.07 | $1.50 | ||
| Q1 25 | $1.84 | $1.49 | ||
| Q4 24 | $3.03 | $2.50 | ||
| Q3 24 | $2.16 | $2.04 | ||
| Q2 24 | $2.49 | $2.15 | ||
| Q1 24 | $2.89 | $1.76 |
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 | — |
| Total DebtLower is stronger | $1.8B | — |
| Stockholders' EquityBook value | $4.8B | $3.9B |
| Total Assets | $32.6B | $6.7B |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.1B | — | ||
| Q1 24 | $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 | $3.9B | ||
| Q3 25 | $4.7B | $3.9B | ||
| Q2 25 | $4.5B | $4.0B | ||
| Q1 25 | $4.4B | $4.1B | ||
| Q4 24 | $4.5B | $4.1B | ||
| Q3 24 | $4.7B | $4.0B | ||
| Q2 24 | $4.4B | $4.0B | ||
| Q1 24 | $4.2B | $3.9B |
| Q4 25 | $32.6B | $6.7B | ||
| Q3 25 | $33.8B | $7.0B | ||
| Q2 25 | $30.7B | $7.0B | ||
| Q1 25 | $30.3B | $7.0B | ||
| Q4 24 | $30.8B | $6.9B | ||
| Q3 24 | $32.6B | $6.8B | ||
| Q2 24 | $29.9B | $6.8B | ||
| Q1 24 | $30.0B | $6.7B |
| 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 | $303.8M |
| Free Cash FlowOCF − Capex | — | $290.1M |
| FCF MarginFCF / Revenue | — | 17.1% |
| Capex IntensityCapex / Revenue | — | 0.8% |
| Cash ConversionOCF / Net Profit | 2.62× | 2.99× |
| TTM Free Cash FlowTrailing 4 quarters | — | $287.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $303.8M | ||
| Q3 25 | $216.0M | $197.7M | ||
| Q2 25 | $191.0M | $168.4M | ||
| Q1 25 | $342.0M | $-334.3M | ||
| Q4 24 | $674.0M | $362.6M | ||
| Q3 24 | $459.0M | $-89.9M | ||
| Q2 24 | $-88.0M | $61.5M | ||
| Q1 24 | $107.0M | $28.5M |
| Q4 25 | — | $290.1M | ||
| Q3 25 | — | $185.8M | ||
| Q2 25 | — | $156.9M | ||
| Q1 25 | — | $-345.5M | ||
| Q4 24 | — | $352.6M | ||
| Q3 24 | — | $-99.4M | ||
| Q2 24 | — | $51.2M | ||
| Q1 24 | — | $19.1M |
| Q4 25 | — | 17.1% | ||
| Q3 25 | — | 11.5% | ||
| Q2 25 | — | 10.3% | ||
| Q1 25 | — | -24.8% | ||
| Q4 24 | — | 17.6% | ||
| Q3 24 | — | -5.7% | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | 1.3% |
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 0.6% |
| Q4 25 | 2.62× | 2.99× | ||
| Q3 25 | 1.00× | 1.80× | ||
| Q2 25 | 1.10× | 1.56× | ||
| Q1 25 | 2.22× | -3.05× | ||
| Q4 24 | 2.64× | 1.90× | ||
| Q3 24 | 2.54× | -0.57× | ||
| Q2 24 | -0.42× | 0.37× | ||
| Q1 24 | 0.44× | 0.21× |
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% |
KBH
| Home Building | $1.7B | 99% |
| Financial Service | $8.7M | 1% |
