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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and PACS Group, Inc. (PACS). 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 $1.4B, roughly 1.5× PACS Group, Inc.). AMERICAN FINANCIAL GROUP INC runs the higher net margin — 14.5% vs 4.4%, a 10.1% gap on every dollar of revenue. On growth, PACS Group, Inc. posted the faster year-over-year revenue change (18.4% vs -4.0%). Over the past eight quarters, PACS Group, Inc.'s revenue compounded faster (20.5% CAGR vs 4.0%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
AFG vs PACS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $1.4B |
| Net Profit | $299.0M | $59.7M |
| Gross Margin | — | — |
| Operating Margin | 18.4% | 7.0% |
| Net Margin | 14.5% | 4.4% |
| Revenue YoY | -4.0% | 18.4% |
| Net Profit YoY | 17.3% | 3022.5% |
| EPS (diluted) | $3.59 | $0.42 |
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 | $1.4B | ||
| Q3 25 | $2.3B | $1.3B | ||
| Q2 25 | $1.9B | $1.3B | ||
| Q1 25 | $1.9B | $1.3B | ||
| Q4 24 | $2.1B | $1.1B | ||
| Q3 24 | $2.4B | $1.0B | ||
| Q2 24 | $1.9B | $981.4M | ||
| Q1 24 | $1.9B | $934.3M |
| Q4 25 | $299.0M | $59.7M | ||
| Q3 25 | $215.0M | $52.4M | ||
| Q2 25 | $174.0M | $51.0M | ||
| Q1 25 | $154.0M | $28.5M | ||
| Q4 24 | $255.0M | $1.9M | ||
| Q3 24 | $181.0M | $15.6M | ||
| Q2 24 | $209.0M | $-10.9M | ||
| Q1 24 | $242.0M | $49.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 17.1% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.2% |
| Q4 25 | 18.4% | 7.0% | ||
| Q3 25 | 11.5% | 6.4% | ||
| Q2 25 | 11.9% | 6.2% | ||
| Q1 25 | 10.6% | 3.8% | ||
| Q4 24 | 14.9% | 1.7% | ||
| Q3 24 | 9.7% | 2.2% | ||
| Q2 24 | 14.3% | 0.1% | ||
| Q1 24 | 15.9% | 8.6% |
| Q4 25 | 14.5% | 4.4% | ||
| Q3 25 | 9.2% | 3.9% | ||
| Q2 25 | 9.0% | 3.9% | ||
| Q1 25 | 8.3% | 2.2% | ||
| Q4 24 | 11.9% | 0.2% | ||
| Q3 24 | 7.6% | 1.5% | ||
| Q2 24 | 11.0% | -1.1% | ||
| Q1 24 | 12.7% | 5.3% |
| Q4 25 | $3.59 | $0.42 | ||
| Q3 25 | $2.58 | $0.32 | ||
| Q2 25 | $2.07 | $0.31 | ||
| Q1 25 | $1.84 | $0.17 | ||
| Q4 24 | $3.03 | $-0.03 | ||
| Q3 24 | $2.16 | $0.10 | ||
| Q2 24 | $2.49 | $-0.07 | ||
| Q1 24 | $2.89 | $0.38 |
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 | $197.0M |
| Total DebtLower is stronger | $1.8B | $353.2M |
| Stockholders' EquityBook value | $4.8B | $946.8M |
| Total Assets | $32.6B | $5.6B |
| Debt / EquityLower = less leverage | 0.38× | 0.37× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $197.0M | ||
| Q3 25 | $1.8B | $355.7M | ||
| Q2 25 | $1.3B | $294.2M | ||
| Q1 25 | $1.3B | $287.5M | ||
| Q4 24 | $1.4B | $157.7M | ||
| Q3 24 | $1.3B | $49.5M | ||
| Q2 24 | $1.1B | $73.4M | ||
| Q1 24 | $1.1B | $81.2M |
| Q4 25 | $1.8B | $353.2M | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | $411.9M | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.5B | — | ||
| Q1 24 | $1.5B | — |
| Q4 25 | $4.8B | $946.8M | ||
| Q3 25 | $4.7B | $871.3M | ||
| Q2 25 | $4.5B | $806.8M | ||
| Q1 25 | $4.4B | $750.2M | ||
| Q4 24 | $4.5B | $709.6M | ||
| Q3 24 | $4.7B | $660.0M | ||
| Q2 24 | $4.4B | $572.1M | ||
| Q1 24 | $4.2B | $128.0M |
| Q4 25 | $32.6B | $5.6B | ||
| Q3 25 | $33.8B | $5.6B | ||
| Q2 25 | $30.7B | $5.5B | ||
| Q1 25 | $30.3B | $5.5B | ||
| Q4 24 | $30.8B | $5.2B | ||
| Q3 24 | $32.6B | $4.5B | ||
| Q2 24 | $29.9B | $3.9B | ||
| Q1 24 | $30.0B | $3.9B |
| Q4 25 | 0.38× | 0.37× | ||
| Q3 25 | 0.38× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.33× | 0.58× | ||
| 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 | $-3.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 2.62× | -0.06× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $-3.4M | ||
| Q3 25 | $216.0M | $204.8M | ||
| Q2 25 | $191.0M | $52.6M | ||
| Q1 25 | $342.0M | $150.2M | ||
| Q4 24 | $674.0M | $64.6M | ||
| Q3 24 | $459.0M | $209.2M | ||
| Q2 24 | $-88.0M | $34.8M | ||
| Q1 24 | $107.0M | $58.8M |
| Q4 25 | 2.62× | -0.06× | ||
| Q3 25 | 1.00× | 3.91× | ||
| Q2 25 | 1.10× | 1.03× | ||
| Q1 25 | 2.22× | 5.28× | ||
| Q4 24 | 2.64× | 33.78× | ||
| Q3 24 | 2.54× | 13.39× | ||
| Q2 24 | -0.42× | — | ||
| Q1 24 | 0.44× | 1.20× |
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% |
PACS
Segment breakdown not available.
