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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and Snap-on (SNA). 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 $1.2B, roughly 1.7× Snap-on). Snap-on runs the higher net margin — 21.3% vs 14.5%, a 6.8% gap on every dollar of revenue. On growth, Snap-on posted the faster year-over-year revenue change (2.7% vs -4.0%). Over the past eight quarters, AMERICAN FINANCIAL GROUP INC's revenue compounded faster (4.0% CAGR vs 2.0%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
Snap-on Incorporated is an American designer, manufacturer, and marketer of high-end tools and equipment for professional use in the transportation industry, including the automotive, heavy duty, equipment, marine, aviation, and railroad industries. Headquartered in Kenosha, Wisconsin, since 1930, Snap-on also distributes lower-end tools under the brand name Blue-Point. Their primary competitors include Matco, Mac Tools, and Cornwell Tools.
AFG vs SNA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $1.2B |
| Net Profit | $299.0M | $260.7M |
| Gross Margin | — | — |
| Operating Margin | 18.4% | 27.8% |
| Net Margin | 14.5% | 21.3% |
| Revenue YoY | -4.0% | 2.7% |
| Net Profit YoY | 17.3% | 1.0% |
| EPS (diluted) | $3.59 | $4.94 |
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 | $1.2B | ||
| Q3 25 | $2.3B | $1.2B | ||
| Q2 25 | $1.9B | $1.2B | ||
| Q1 25 | $1.9B | $1.1B | ||
| Q4 24 | $2.1B | $1.2B | ||
| Q3 24 | $2.4B | $1.1B | ||
| Q2 24 | $1.9B | $1.2B | ||
| Q1 24 | $1.9B | $1.2B |
| Q4 25 | $299.0M | $260.7M | ||
| Q3 25 | $215.0M | $265.4M | ||
| Q2 25 | $174.0M | $250.3M | ||
| Q1 25 | $154.0M | $240.5M | ||
| Q4 24 | $255.0M | $258.1M | ||
| Q3 24 | $181.0M | $251.1M | ||
| Q2 24 | $209.0M | $271.2M | ||
| Q1 24 | $242.0M | $263.5M |
| Q4 25 | 18.4% | 27.8% | ||
| Q3 25 | 11.5% | 29.4% | ||
| Q2 25 | 11.9% | 28.0% | ||
| Q1 25 | 10.6% | 27.7% | ||
| Q4 24 | 14.9% | 27.9% | ||
| Q3 24 | 9.7% | 28.4% | ||
| Q2 24 | 14.3% | 29.9% | ||
| Q1 24 | 15.9% | 28.9% |
| Q4 25 | 14.5% | 21.3% | ||
| Q3 25 | 9.2% | 22.5% | ||
| Q2 25 | 9.0% | 21.4% | ||
| Q1 25 | 8.3% | 21.2% | ||
| Q4 24 | 11.9% | 21.7% | ||
| Q3 24 | 7.6% | 22.0% | ||
| Q2 24 | 11.0% | 23.1% | ||
| Q1 24 | 12.7% | 22.4% |
| Q4 25 | $3.59 | $4.94 | ||
| Q3 25 | $2.58 | $5.02 | ||
| Q2 25 | $2.07 | $4.72 | ||
| Q1 25 | $1.84 | $4.51 | ||
| Q4 24 | $3.03 | $4.83 | ||
| Q3 24 | $2.16 | $4.70 | ||
| Q2 24 | $2.49 | $5.07 | ||
| Q1 24 | $2.89 | $4.91 |
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 | — |
| Total Assets | $32.6B | — |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.8B | $1.5B | ||
| Q2 25 | $1.3B | $1.5B | ||
| Q1 25 | $1.3B | $1.4B | ||
| Q4 24 | $1.4B | $1.4B | ||
| Q3 24 | $1.3B | $1.3B | ||
| Q2 24 | $1.1B | $1.2B | ||
| Q1 24 | $1.1B | $1.1B |
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.8B | $1.2B | ||
| Q2 25 | $1.5B | $1.2B | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | $1.2B | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.5B | — | ||
| Q1 24 | $1.5B | — |
| Q4 25 | $4.8B | — | ||
| Q3 25 | $4.7B | $5.8B | ||
| Q2 25 | $4.5B | $5.7B | ||
| Q1 25 | $4.4B | $5.5B | ||
| Q4 24 | $4.5B | $5.4B | ||
| Q3 24 | $4.7B | $5.5B | ||
| Q2 24 | $4.4B | $5.3B | ||
| Q1 24 | $4.2B | $5.1B |
| Q4 25 | $32.6B | — | ||
| Q3 25 | $33.8B | $8.4B | ||
| Q2 25 | $30.7B | $8.2B | ||
| Q1 25 | $30.3B | $8.1B | ||
| Q4 24 | $30.8B | $7.9B | ||
| Q3 24 | $32.6B | $8.0B | ||
| Q2 24 | $29.9B | $7.8B | ||
| Q1 24 | $30.0B | $7.7B |
| Q4 25 | 0.38× | — | ||
| Q3 25 | 0.38× | 0.21× | ||
| Q2 25 | 0.33× | 0.21× | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.33× | 0.22× | ||
| 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 | $268.1M |
| Free Cash FlowOCF − Capex | — | $254.6M |
| FCF MarginFCF / Revenue | — | 20.8% |
| Capex IntensityCapex / Revenue | — | 1.1% |
| Cash ConversionOCF / Net Profit | 2.62× | 1.03× |
| TTM Free Cash FlowTrailing 4 quarters | — | $1.0B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $268.1M | ||
| Q3 25 | $216.0M | $277.9M | ||
| Q2 25 | $191.0M | $237.2M | ||
| Q1 25 | $342.0M | $298.5M | ||
| Q4 24 | $674.0M | $293.5M | ||
| Q3 24 | $459.0M | $274.2M | ||
| Q2 24 | $-88.0M | $301.1M | ||
| Q1 24 | $107.0M | $348.7M |
| Q4 25 | — | $254.6M | ||
| Q3 25 | — | $258.0M | ||
| Q2 25 | — | $217.5M | ||
| Q1 25 | — | $275.6M | ||
| Q4 24 | — | $275.4M | ||
| Q3 24 | — | $253.8M | ||
| Q2 24 | — | $277.9M | ||
| Q1 24 | — | $326.9M |
| Q4 25 | — | 20.8% | ||
| Q3 25 | — | 21.8% | ||
| Q2 25 | — | 18.6% | ||
| Q1 25 | — | 24.3% | ||
| Q4 24 | — | 23.1% | ||
| Q3 24 | — | 22.3% | ||
| Q2 24 | — | 23.7% | ||
| Q1 24 | — | 27.8% |
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 1.7% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 2.0% | ||
| Q1 24 | — | 1.9% |
| Q4 25 | 2.62× | 1.03× | ||
| Q3 25 | 1.00× | 1.05× | ||
| Q2 25 | 1.10× | 0.95× | ||
| Q1 25 | 2.22× | 1.24× | ||
| Q4 24 | 2.64× | 1.14× | ||
| Q3 24 | 2.54× | 1.09× | ||
| Q2 24 | -0.42× | 1.11× | ||
| Q1 24 | 0.44× | 1.32× |
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% |
SNA
Segment breakdown not available.
