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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and RXO, Inc. (RXO). 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 $1.5B, roughly 1.4× RXO, Inc.). AMERICAN FINANCIAL GROUP INC runs the higher net margin — 14.5% vs -3.1%, a 17.6% gap on every dollar of revenue. On growth, AMERICAN FINANCIAL GROUP INC posted the faster year-over-year revenue change (-4.0% vs -11.9%). Over the past eight quarters, RXO, Inc.'s revenue compounded faster (26.8% CAGR vs 4.0%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
RXO, Inc. is a leading transportation and logistics solutions provider headquartered in the United States. Its core service portfolio includes freight brokerage, last-mile delivery for heavy and bulky goods, managed transportation services, and end-to-end supply chain optimization support, primarily catering to clients across the North American manufacturing, retail, and e-commerce segments.
AFG vs RXO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $1.5B |
| Net Profit | $299.0M | $-46.0M |
| Gross Margin | — | — |
| Operating Margin | 18.4% | -2.9% |
| Net Margin | 14.5% | -3.1% |
| Revenue YoY | -4.0% | -11.9% |
| Net Profit YoY | 17.3% | -84.0% |
| EPS (diluted) | $3.59 | $-0.28 |
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 | $1.5B | ||
| Q3 25 | $2.3B | $1.4B | ||
| Q2 25 | $1.9B | $1.4B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $2.1B | $1.7B | ||
| Q3 24 | $2.4B | $1.0B | ||
| Q2 24 | $1.9B | $930.0M | ||
| Q1 24 | $1.9B | $913.0M |
| Q4 25 | $299.0M | $-46.0M | ||
| Q3 25 | $215.0M | $-14.0M | ||
| Q2 25 | $174.0M | $-9.0M | ||
| Q1 25 | $154.0M | $-31.0M | ||
| Q4 24 | $255.0M | $-25.0M | ||
| Q3 24 | $181.0M | $-243.0M | ||
| Q2 24 | $209.0M | $-7.0M | ||
| Q1 24 | $242.0M | $-15.0M |
| Q4 25 | 18.4% | -2.9% | ||
| Q3 25 | 11.5% | -0.5% | ||
| Q2 25 | 11.9% | — | ||
| Q1 25 | 10.6% | -2.1% | ||
| Q4 24 | 14.9% | -1.4% | ||
| Q3 24 | 9.7% | -1.9% | ||
| Q2 24 | 14.3% | — | ||
| Q1 24 | 15.9% | -1.3% |
| Q4 25 | 14.5% | -3.1% | ||
| Q3 25 | 9.2% | -1.0% | ||
| Q2 25 | 9.0% | -0.6% | ||
| Q1 25 | 8.3% | -2.2% | ||
| Q4 24 | 11.9% | -1.5% | ||
| Q3 24 | 7.6% | -23.4% | ||
| Q2 24 | 11.0% | -0.8% | ||
| Q1 24 | 12.7% | -1.6% |
| Q4 25 | $3.59 | $-0.28 | ||
| Q3 25 | $2.58 | $-0.08 | ||
| Q2 25 | $2.07 | $-0.05 | ||
| Q1 25 | $1.84 | $-0.18 | ||
| Q4 24 | $3.03 | $-0.17 | ||
| Q3 24 | $2.16 | $-1.81 | ||
| Q2 24 | $2.49 | $-0.06 | ||
| Q1 24 | $2.89 | $-0.13 |
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 | $17.0M |
| Total DebtLower is stronger | $1.8B | $387.0M |
| Stockholders' EquityBook value | $4.8B | $1.5B |
| Total Assets | $32.6B | $3.3B |
| Debt / EquityLower = less leverage | 0.38× | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $17.0M | ||
| Q3 25 | $1.8B | $25.0M | ||
| Q2 25 | $1.3B | $18.0M | ||
| Q1 25 | $1.3B | $16.0M | ||
| Q4 24 | $1.4B | $35.0M | ||
| Q3 24 | $1.3B | $55.0M | ||
| Q2 24 | $1.1B | $7.0M | ||
| Q1 24 | $1.1B | $7.0M |
| Q4 25 | $1.8B | $387.0M | ||
| Q3 25 | $1.8B | $387.0M | ||
| Q2 25 | $1.5B | $387.0M | ||
| Q1 25 | $1.5B | $387.0M | ||
| Q4 24 | $1.5B | $351.0M | ||
| Q3 24 | $1.5B | $352.0M | ||
| Q2 24 | $1.5B | $370.0M | ||
| Q1 24 | $1.5B | $351.0M |
| Q4 25 | $4.8B | $1.5B | ||
| Q3 25 | $4.7B | $1.6B | ||
| Q2 25 | $4.5B | $1.6B | ||
| Q1 25 | $4.4B | $1.6B | ||
| Q4 24 | $4.5B | $1.6B | ||
| Q3 24 | $4.7B | $1.7B | ||
| Q2 24 | $4.4B | $579.0M | ||
| Q1 24 | $4.2B | $582.0M |
| Q4 25 | $32.6B | $3.3B | ||
| Q3 25 | $33.8B | $3.2B | ||
| Q2 25 | $30.7B | $3.2B | ||
| Q1 25 | $30.3B | $3.3B | ||
| Q4 24 | $30.8B | $3.4B | ||
| Q3 24 | $32.6B | $3.4B | ||
| Q2 24 | $29.9B | $1.8B | ||
| Q1 24 | $30.0B | $1.8B |
| Q4 25 | 0.38× | 0.25× | ||
| Q3 25 | 0.38× | 0.24× | ||
| Q2 25 | 0.33× | 0.24× | ||
| Q1 25 | 0.34× | 0.24× | ||
| Q4 24 | 0.33× | 0.22× | ||
| Q3 24 | 0.31× | 0.21× | ||
| Q2 24 | 0.34× | 0.64× | ||
| Q1 24 | 0.35× | 0.60× |
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 | $7.0M |
| Free Cash FlowOCF − Capex | — | $-9.0M |
| FCF MarginFCF / Revenue | — | -0.6% |
| Capex IntensityCapex / Revenue | — | 1.1% |
| Cash ConversionOCF / Net Profit | 2.62× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-8.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $7.0M | ||
| Q3 25 | $216.0M | $23.0M | ||
| Q2 25 | $191.0M | $23.0M | ||
| Q1 25 | $342.0M | $-2.0M | ||
| Q4 24 | $674.0M | $-7.0M | ||
| Q3 24 | $459.0M | $-7.0M | ||
| Q2 24 | $-88.0M | $-5.0M | ||
| Q1 24 | $107.0M | $7.0M |
| Q4 25 | — | $-9.0M | ||
| Q3 25 | — | $9.0M | ||
| Q2 25 | — | $9.0M | ||
| Q1 25 | — | $-17.0M | ||
| Q4 24 | — | $-19.0M | ||
| Q3 24 | — | $-18.0M | ||
| Q2 24 | — | $-16.0M | ||
| Q1 24 | — | $-4.0M |
| Q4 25 | — | -0.6% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | -1.2% | ||
| Q4 24 | — | -1.1% | ||
| Q3 24 | — | -1.7% | ||
| Q2 24 | — | -1.7% | ||
| Q1 24 | — | -0.4% |
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.2% |
| 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% |
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
