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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and INSPERITY, INC. (NSP). 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× INSPERITY, INC.). On growth, INSPERITY, INC. posted the faster year-over-year revenue change (3.4% vs -4.0%). Over the past eight quarters, AMERICAN FINANCIAL GROUP INC's revenue compounded faster (4.0% CAGR vs -3.8%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
Insperity, Inc., previously known as Administaff, Inc., is a professional employer organization (PEO) headquartered in Kingwood, an area of Houston, Texas, USA. Insperity provides human resources and administrative services to small and medium-sized businesses. Since 2004, the company has been title sponsor of a professional golf tournament on the Champions Tour, previously known as the Administaff Small Business Classic.
AFG vs NSP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $1.7B |
| Net Profit | $299.0M | — |
| Gross Margin | — | 10.3% |
| Operating Margin | 18.4% | -2.8% |
| Net Margin | 14.5% | — |
| Revenue YoY | -4.0% | 3.4% |
| Net Profit YoY | 17.3% | — |
| EPS (diluted) | $3.59 | $-0.87 |
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 | $1.7B | ||
| Q1 25 | $1.9B | $1.9B | ||
| Q4 24 | $2.1B | $1.6B | ||
| Q3 24 | $2.4B | $1.6B | ||
| Q2 24 | $1.9B | $1.6B | ||
| Q1 24 | $1.9B | $1.8B |
| Q4 25 | $299.0M | — | ||
| Q3 25 | $215.0M | $-20.0M | ||
| Q2 25 | $174.0M | $-5.0M | ||
| Q1 25 | $154.0M | $51.0M | ||
| Q4 24 | $255.0M | — | ||
| Q3 24 | $181.0M | $3.0M | ||
| Q2 24 | $209.0M | $18.0M | ||
| Q1 24 | $242.0M | $79.0M |
| Q4 25 | — | 10.3% | ||
| Q3 25 | — | 12.0% | ||
| Q2 25 | — | 13.4% | ||
| Q1 25 | — | 16.6% | ||
| Q4 24 | — | 13.5% | ||
| Q3 24 | — | 14.7% | ||
| Q2 24 | — | 16.2% | ||
| Q1 24 | — | 19.1% |
| Q4 25 | 18.4% | -2.8% | ||
| Q3 25 | 11.5% | -1.5% | ||
| Q2 25 | 11.9% | -0.4% | ||
| Q1 25 | 10.6% | 3.7% | ||
| Q4 24 | 14.9% | -0.9% | ||
| Q3 24 | 9.7% | 0.1% | ||
| Q2 24 | 14.3% | 1.4% | ||
| Q1 24 | 15.9% | 6.0% |
| Q4 25 | 14.5% | — | ||
| Q3 25 | 9.2% | -1.2% | ||
| Q2 25 | 9.0% | -0.3% | ||
| Q1 25 | 8.3% | 2.7% | ||
| Q4 24 | 11.9% | — | ||
| Q3 24 | 7.6% | 0.2% | ||
| Q2 24 | 11.0% | 1.1% | ||
| Q1 24 | 12.7% | 4.4% |
| Q4 25 | $3.59 | $-0.87 | ||
| Q3 25 | $2.58 | $-0.53 | ||
| Q2 25 | $2.07 | $-0.14 | ||
| Q1 25 | $1.84 | $1.35 | ||
| Q4 24 | $3.03 | $-0.21 | ||
| Q3 24 | $2.16 | $0.07 | ||
| Q2 24 | $2.49 | $0.48 | ||
| Q1 24 | $2.89 | $2.08 |
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 | $682.0M |
| Total DebtLower is stronger | $1.8B | — |
| Stockholders' EquityBook value | $4.8B | $46.0M |
| Total Assets | $32.6B | $2.2B |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $682.0M | ||
| Q3 25 | $1.8B | $521.0M | ||
| Q2 25 | $1.3B | $511.0M | ||
| Q1 25 | $1.3B | $684.0M | ||
| Q4 24 | $1.4B | $1.2B | ||
| Q3 24 | $1.3B | $596.0M | ||
| Q2 24 | $1.1B | $850.0M | ||
| Q1 24 | $1.1B | $801.0M |
| 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 | $46.0M | ||
| Q3 25 | $4.7B | $87.0M | ||
| Q2 25 | $4.5B | $112.0M | ||
| Q1 25 | $4.4B | $119.0M | ||
| Q4 24 | $4.5B | $97.0M | ||
| Q3 24 | $4.7B | $125.0M | ||
| Q2 24 | $4.4B | $142.0M | ||
| Q1 24 | $4.2B | $140.0M |
| Q4 25 | $32.6B | $2.2B | ||
| Q3 25 | $33.8B | $2.0B | ||
| Q2 25 | $30.7B | $2.0B | ||
| Q1 25 | $30.3B | $2.1B | ||
| Q4 24 | $30.8B | $2.6B | ||
| Q3 24 | $32.6B | $1.9B | ||
| Q2 24 | $29.9B | $2.1B | ||
| Q1 24 | $30.0B | $2.1B |
| 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 | $255.0M |
| Free Cash FlowOCF − Capex | — | $246.0M |
| FCF MarginFCF / Revenue | — | 14.7% |
| Capex IntensityCapex / Revenue | — | 0.5% |
| Cash ConversionOCF / Net Profit | 2.62× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-309.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $255.0M | ||
| Q3 25 | $216.0M | $-11.0M | ||
| Q2 25 | $191.0M | $-79.0M | ||
| Q1 25 | $342.0M | $-443.0M | ||
| Q4 24 | $674.0M | $619.0M | ||
| Q3 24 | $459.0M | $-150.0M | ||
| Q2 24 | $-88.0M | $20.0M | ||
| Q1 24 | $107.0M | $31.0M |
| Q4 25 | — | $246.0M | ||
| Q3 25 | — | $-20.0M | ||
| Q2 25 | — | $-86.0M | ||
| Q1 25 | — | $-449.0M | ||
| Q4 24 | — | $606.0M | ||
| Q3 24 | — | $-164.0M | ||
| Q2 24 | — | $14.0M | ||
| Q1 24 | — | $26.0M |
| Q4 25 | — | 14.7% | ||
| Q3 25 | — | -1.2% | ||
| Q2 25 | — | -5.2% | ||
| Q1 25 | — | -24.1% | ||
| Q4 24 | — | 37.6% | ||
| Q3 24 | — | -10.5% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | — | 1.4% |
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.8% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.3% |
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | — | ||
| Q2 25 | 1.10× | — | ||
| Q1 25 | 2.22× | -8.69× | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | -50.00× | ||
| Q2 24 | -0.42× | 1.11× | ||
| Q1 24 | 0.44× | 0.39× |
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% |
NSP
| Northeast | $455.0M | 27% |
| West | $339.0M | 20% |
| Southwest | $317.0M | 19% |
| Central | $299.0M | 18% |
| Southeast | $241.0M | 14% |
| Other Revenues | $17.0M | 1% |
