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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and SONIC AUTOMOTIVE INC (SAH). Click either name above to swap in a different company.
SONIC AUTOMOTIVE INC is the larger business by last-quarter revenue ($3.9B vs $2.1B, roughly 1.9× AMERICAN FINANCIAL GROUP INC). AMERICAN FINANCIAL GROUP INC runs the higher net margin — 14.5% vs 1.2%, a 13.3% gap on every dollar of revenue. On growth, SONIC AUTOMOTIVE INC posted the faster year-over-year revenue change (-0.6% vs -4.0%). Over the past eight quarters, SONIC AUTOMOTIVE INC's revenue compounded faster (7.0% CAGR vs 4.0%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
Sonic Automotive is a Fortune 500 company based in Charlotte, North Carolina, and is the fifth largest automotive retailer in the United States as measured by total revenues. The company was founded by O Bruton Smith and completed its initial public offering on the NYSE in 1997.
AFG vs SAH — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $3.9B |
| Net Profit | $299.0M | $46.9M |
| Gross Margin | — | 15.5% |
| Operating Margin | 18.4% | 3.2% |
| Net Margin | 14.5% | 1.2% |
| Revenue YoY | -4.0% | -0.6% |
| Net Profit YoY | 17.3% | -20.0% |
| EPS (diluted) | $3.59 | $1.39 |
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 | $3.9B | ||
| Q3 25 | $2.3B | $4.0B | ||
| Q2 25 | $1.9B | $3.7B | ||
| Q1 25 | $1.9B | $3.7B | ||
| Q4 24 | $2.1B | $3.9B | ||
| Q3 24 | $2.4B | $3.5B | ||
| Q2 24 | $1.9B | $3.5B | ||
| Q1 24 | $1.9B | $3.4B |
| Q4 25 | $299.0M | $46.9M | ||
| Q3 25 | $215.0M | $46.8M | ||
| Q2 25 | $174.0M | $-45.6M | ||
| Q1 25 | $154.0M | $70.6M | ||
| Q4 24 | $255.0M | $58.6M | ||
| Q3 24 | $181.0M | $74.2M | ||
| Q2 24 | $209.0M | $41.2M | ||
| Q1 24 | $242.0M | $42.0M |
| Q4 25 | — | 15.5% | ||
| Q3 25 | — | 15.5% | ||
| Q2 25 | — | 16.5% | ||
| Q1 25 | — | 15.5% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 15.6% | ||
| Q2 24 | — | 15.6% | ||
| Q1 24 | — | 15.8% |
| Q4 25 | 18.4% | 3.2% | ||
| Q3 25 | 11.5% | 3.1% | ||
| Q2 25 | 11.9% | -0.6% | ||
| Q1 25 | 10.6% | 4.0% | ||
| Q4 24 | 14.9% | 3.4% | ||
| Q3 24 | 9.7% | 3.3% | ||
| Q2 24 | 14.3% | 3.1% | ||
| Q1 24 | 15.9% | 3.2% |
| Q4 25 | 14.5% | 1.2% | ||
| Q3 25 | 9.2% | 1.2% | ||
| Q2 25 | 9.0% | -1.2% | ||
| Q1 25 | 8.3% | 1.9% | ||
| Q4 24 | 11.9% | 1.5% | ||
| Q3 24 | 7.6% | 2.1% | ||
| Q2 24 | 11.0% | 1.2% | ||
| Q1 24 | 12.7% | 1.2% |
| Q4 25 | $3.59 | $1.39 | ||
| Q3 25 | $2.58 | $1.33 | ||
| Q2 25 | $2.07 | $-1.34 | ||
| Q1 25 | $1.84 | $2.04 | ||
| Q4 24 | $3.03 | $1.67 | ||
| Q3 24 | $2.16 | $2.13 | ||
| Q2 24 | $2.49 | $1.18 | ||
| Q1 24 | $2.89 | $1.20 |
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 | $6.3M |
| Total DebtLower is stronger | $1.8B | $1.6B |
| Stockholders' EquityBook value | $4.8B | $1.1B |
| Total Assets | $32.6B | $6.0B |
| Debt / EquityLower = less leverage | 0.38× | 1.51× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $6.3M | ||
| Q3 25 | $1.8B | $89.4M | ||
| Q2 25 | $1.3B | $110.4M | ||
| Q1 25 | $1.3B | $64.6M | ||
| Q4 24 | $1.4B | $44.0M | ||
| Q3 24 | $1.3B | $17.6M | ||
| Q2 24 | $1.1B | $67.2M | ||
| Q1 24 | $1.1B | $15.1M |
| Q4 25 | $1.8B | $1.6B | ||
| Q3 25 | $1.8B | $1.5B | ||
| Q2 25 | $1.5B | $1.5B | ||
| Q1 25 | $1.5B | $1.6B | ||
| Q4 24 | $1.5B | $1.6B | ||
| Q3 24 | $1.5B | $1.7B | ||
| Q2 24 | $1.5B | $1.7B | ||
| Q1 24 | $1.5B | $1.7B |
| Q4 25 | $4.8B | $1.1B | ||
| Q3 25 | $4.7B | $1.1B | ||
| Q2 25 | $4.5B | $1.0B | ||
| Q1 25 | $4.4B | $1.1B | ||
| Q4 24 | $4.5B | $1.1B | ||
| Q3 24 | $4.7B | $1.0B | ||
| Q2 24 | $4.4B | $944.7M | ||
| Q1 24 | $4.2B | $904.4M |
| Q4 25 | $32.6B | $6.0B | ||
| Q3 25 | $33.8B | $6.0B | ||
| Q2 25 | $30.7B | $5.9B | ||
| Q1 25 | $30.3B | $5.9B | ||
| Q4 24 | $30.8B | $5.9B | ||
| Q3 24 | $32.6B | $5.8B | ||
| Q2 24 | $29.9B | $5.8B | ||
| Q1 24 | $30.0B | $5.4B |
| Q4 25 | 0.38× | 1.51× | ||
| Q3 25 | 0.38× | 1.39× | ||
| Q2 25 | 0.33× | 1.48× | ||
| Q1 25 | 0.34× | 1.44× | ||
| Q4 24 | 0.33× | 1.49× | ||
| Q3 24 | 0.31× | 1.67× | ||
| Q2 24 | 0.34× | 1.81× | ||
| Q1 24 | 0.35× | 1.83× |
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 | $66.9M |
| Free Cash FlowOCF − Capex | — | $-195.6M |
| FCF MarginFCF / Revenue | — | -5.1% |
| Capex IntensityCapex / Revenue | — | 6.8% |
| Cash ConversionOCF / Net Profit | 2.62× | 1.43× |
| TTM Free Cash FlowTrailing 4 quarters | — | $192.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $66.9M | ||
| Q3 25 | $216.0M | $167.9M | ||
| Q2 25 | $191.0M | $136.8M | ||
| Q1 25 | $342.0M | $195.8M | ||
| Q4 24 | $674.0M | $87.7M | ||
| Q3 24 | $459.0M | $87.8M | ||
| Q2 24 | $-88.0M | $-136.4M | ||
| Q1 24 | $107.0M | $70.1M |
| Q4 25 | — | $-195.6M | ||
| Q3 25 | — | $134.4M | ||
| Q2 25 | — | $102.7M | ||
| Q1 25 | — | $150.8M | ||
| Q4 24 | — | $-245.5M | ||
| Q3 24 | — | $34.5M | ||
| Q2 24 | — | $-185.2M | ||
| Q1 24 | — | $26.3M |
| Q4 25 | — | -5.1% | ||
| Q3 25 | — | 3.4% | ||
| Q2 25 | — | 2.8% | ||
| Q1 25 | — | 4.1% | ||
| Q4 24 | — | -6.3% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | -5.4% | ||
| Q1 24 | — | 0.8% |
| Q4 25 | — | 6.8% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 8.6% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.3% |
| Q4 25 | 2.62× | 1.43× | ||
| Q3 25 | 1.00× | 3.59× | ||
| Q2 25 | 1.10× | — | ||
| Q1 25 | 2.22× | 2.77× | ||
| Q4 24 | 2.64× | 1.50× | ||
| Q3 24 | 2.54× | 1.18× | ||
| Q2 24 | -0.42× | -3.31× | ||
| Q1 24 | 0.44× | 1.67× |
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% |
SAH
| Retail New Vehicles | $1.9B | 48% |
| Other | $1.2B | 31% |
| Parts Serviceand Collision Repair | $515.2M | 13% |
| Finance Insurance And Other Net | $202.2M | 5% |
| Wholesale Vehicles | $63.9M | 2% |
| Fleet New Vehicles | $24.0M | 1% |
