vs
Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and UPBOUND GROUP, INC. (UPBD). 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× UPBOUND GROUP, INC.). AMERICAN FINANCIAL GROUP INC runs the higher net margin — 14.5% vs 1.7%, a 12.8% gap on every dollar of revenue. On growth, UPBOUND GROUP, INC. posted the faster year-over-year revenue change (10.9% vs -4.0%). Over the past eight quarters, UPBOUND GROUP, INC.'s revenue compounded faster (4.5% CAGR vs 4.0%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
Upbound Group, Inc. is a leading US provider of flexible lease-to-own solutions for consumer goods. It offers furniture, consumer electronics, home appliances, and accessories, catering to customers seeking accessible payment alternatives to traditional retail financing.
AFG vs UPBD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $1.2B |
| Net Profit | $299.0M | $19.7M |
| Gross Margin | — | 49.0% |
| Operating Margin | 18.4% | 4.8% |
| Net Margin | 14.5% | 1.7% |
| Revenue YoY | -4.0% | 10.9% |
| Net Profit YoY | 17.3% | -36.3% |
| EPS (diluted) | $3.59 | $0.35 |
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 | $1.2B | ||
| Q4 24 | $2.1B | $1.1B | ||
| Q3 24 | $2.4B | $1.1B | ||
| Q2 24 | $1.9B | $1.1B | ||
| Q1 24 | $1.9B | $1.1B |
| Q4 25 | $299.0M | $19.7M | ||
| Q3 25 | $215.0M | $13.2M | ||
| Q2 25 | $174.0M | $15.5M | ||
| Q1 25 | $154.0M | $24.8M | ||
| Q4 24 | $255.0M | $31.0M | ||
| Q3 24 | $181.0M | $30.9M | ||
| Q2 24 | $209.0M | $33.9M | ||
| Q1 24 | $242.0M | $27.7M |
| Q4 25 | — | 49.0% | ||
| Q3 25 | — | 48.3% | ||
| Q2 25 | — | 49.4% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 47.1% | ||
| Q3 24 | — | 47.8% | ||
| Q2 24 | — | 49.4% | ||
| Q1 24 | — | 48.3% |
| Q4 25 | 18.4% | 4.8% | ||
| Q3 25 | 11.5% | 4.5% | ||
| Q2 25 | 11.9% | 4.4% | ||
| Q1 25 | 10.6% | 5.3% | ||
| Q4 24 | 14.9% | 7.3% | ||
| Q3 24 | 9.7% | 6.6% | ||
| Q2 24 | 14.3% | 7.5% | ||
| Q1 24 | 15.9% | 5.6% |
| Q4 25 | 14.5% | 1.7% | ||
| Q3 25 | 9.2% | 1.1% | ||
| Q2 25 | 9.0% | 1.3% | ||
| Q1 25 | 8.3% | 2.1% | ||
| Q4 24 | 11.9% | 2.9% | ||
| Q3 24 | 7.6% | 2.9% | ||
| Q2 24 | 11.0% | 3.2% | ||
| Q1 24 | 12.7% | 2.5% |
| Q4 25 | $3.59 | $0.35 | ||
| Q3 25 | $2.58 | $0.22 | ||
| Q2 25 | $2.07 | $0.26 | ||
| Q1 25 | $1.84 | $0.42 | ||
| Q4 24 | $3.03 | $0.55 | ||
| Q3 24 | $2.16 | $0.55 | ||
| Q2 24 | $2.49 | $0.61 | ||
| Q1 24 | $2.89 | $0.50 |
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 | $120.5M |
| Total DebtLower is stronger | $1.8B | — |
| Stockholders' EquityBook value | $4.8B | $695.7M |
| Total Assets | $32.6B | $3.3B |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $120.5M | ||
| Q3 25 | $1.8B | $107.0M | ||
| Q2 25 | $1.3B | $106.8M | ||
| Q1 25 | $1.3B | $107.3M | ||
| Q4 24 | $1.4B | $60.9M | ||
| Q3 24 | $1.3B | $85.1M | ||
| Q2 24 | $1.1B | $82.5M | ||
| Q1 24 | $1.1B | $84.8M |
| 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 | $695.7M | ||
| Q3 25 | $4.7B | $687.3M | ||
| Q2 25 | $4.5B | $685.5M | ||
| Q1 25 | $4.4B | $679.2M | ||
| Q4 24 | $4.5B | $629.0M | ||
| Q3 24 | $4.7B | $611.8M | ||
| Q2 24 | $4.4B | $596.3M | ||
| Q1 24 | $4.2B | $578.3M |
| Q4 25 | $32.6B | $3.3B | ||
| Q3 25 | $33.8B | $3.2B | ||
| Q2 25 | $30.7B | $3.1B | ||
| Q1 25 | $30.3B | $3.0B | ||
| Q4 24 | $30.8B | $2.6B | ||
| Q3 24 | $32.6B | $2.6B | ||
| Q2 24 | $29.9B | $2.6B | ||
| Q1 24 | $30.0B | $2.6B |
| 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 | $41.6M |
| Free Cash FlowOCF − Capex | — | $24.0M |
| FCF MarginFCF / Revenue | — | 2.0% |
| Capex IntensityCapex / Revenue | — | 1.5% |
| Cash ConversionOCF / Net Profit | 2.62× | 2.11× |
| TTM Free Cash FlowTrailing 4 quarters | — | $238.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $41.6M | ||
| Q3 25 | $216.0M | $118.4M | ||
| Q2 25 | $191.0M | $7.8M | ||
| Q1 25 | $342.0M | $137.7M | ||
| Q4 24 | $674.0M | $-61.9M | ||
| Q3 24 | $459.0M | $106.2M | ||
| Q2 24 | $-88.0M | $15.0M | ||
| Q1 24 | $107.0M | $45.4M |
| Q4 25 | — | $24.0M | ||
| Q3 25 | — | $97.9M | ||
| Q2 25 | — | $-10.4M | ||
| Q1 25 | — | $127.2M | ||
| Q4 24 | — | $-74.0M | ||
| Q3 24 | — | $88.3M | ||
| Q2 24 | — | $613.0K | ||
| Q1 24 | — | $33.6M |
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 8.4% | ||
| Q2 25 | — | -0.9% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | -6.9% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 3.1% |
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | 1.1% |
| Q4 25 | 2.62× | 2.11× | ||
| Q3 25 | 1.00× | 8.96× | ||
| Q2 25 | 1.10× | 0.50× | ||
| Q1 25 | 2.22× | 5.56× | ||
| Q4 24 | 2.64× | -2.00× | ||
| Q3 24 | 2.54× | 3.44× | ||
| Q2 24 | -0.42× | 0.44× | ||
| Q1 24 | 0.44× | 1.64× |
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% |
UPBD
Segment breakdown not available.
