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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and MARRIOTT VACATIONS WORLDWIDE Corp (VAC). 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× MARRIOTT VACATIONS WORLDWIDE Corp). AMERICAN FINANCIAL GROUP INC runs the higher net margin — 14.5% vs -35.0%, a 49.5% gap on every dollar of revenue. On growth, MARRIOTT VACATIONS WORLDWIDE Corp posted the faster year-over-year revenue change (-0.7% vs -4.0%). Over the past eight quarters, MARRIOTT VACATIONS WORLDWIDE Corp's revenue compounded faster (5.2% CAGR vs 4.0%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
Marriott Vacations Worldwide Corporation is a pure-play public timeshare company. Formerly a division of Marriott International, Marriott Vacations Worldwide was established as a separate, publicly traded entity focusing primarily on vacation ownership in November 2011. Marriott Vacations Worldwide runs more than 120 resorts with over 700,000 Owners and members in a diverse portfolio of brands under The Marriott Vacation Clubs name. Its brands include Marriott Vacation Club, The Marriott Vaca...
AFG vs VAC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $1.2B |
| Net Profit | $299.0M | $-431.0M |
| Gross Margin | — | — |
| Operating Margin | 18.4% | — |
| Net Margin | 14.5% | -35.0% |
| Revenue YoY | -4.0% | -0.7% |
| Net Profit YoY | 17.3% | -962.0% |
| EPS (diluted) | $3.59 | $-12.00 |
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 | $1.2B | ||
| Q2 24 | $1.9B | $1.1B | ||
| Q1 24 | $1.9B | $1.1B |
| Q4 25 | $299.0M | $-431.0M | ||
| Q3 25 | $215.0M | $-2.0M | ||
| Q2 25 | $174.0M | $69.0M | ||
| Q1 25 | $154.0M | $56.0M | ||
| Q4 24 | $255.0M | $50.0M | ||
| Q3 24 | $181.0M | $84.0M | ||
| Q2 24 | $209.0M | $37.0M | ||
| Q1 24 | $242.0M | $47.0M |
| Q4 25 | 18.4% | — | ||
| Q3 25 | 11.5% | — | ||
| Q2 25 | 11.9% | — | ||
| Q1 25 | 10.6% | — | ||
| Q4 24 | 14.9% | — | ||
| Q3 24 | 9.7% | — | ||
| Q2 24 | 14.3% | — | ||
| Q1 24 | 15.9% | — |
| Q4 25 | 14.5% | -35.0% | ||
| Q3 25 | 9.2% | -0.2% | ||
| Q2 25 | 9.0% | 6.0% | ||
| Q1 25 | 8.3% | 5.0% | ||
| Q4 24 | 11.9% | 4.0% | ||
| Q3 24 | 7.6% | 6.9% | ||
| Q2 24 | 11.0% | 3.5% | ||
| Q1 24 | 12.7% | 4.2% |
| Q4 25 | $3.59 | $-12.00 | ||
| Q3 25 | $2.58 | $-0.07 | ||
| Q2 25 | $2.07 | $1.77 | ||
| Q1 25 | $1.84 | $1.46 | ||
| Q4 24 | $3.03 | $1.29 | ||
| Q3 24 | $2.16 | $2.12 | ||
| Q2 24 | $2.49 | $0.98 | ||
| Q1 24 | $2.89 | $1.22 |
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 | $406.0M |
| Total DebtLower is stronger | $1.8B | — |
| Stockholders' EquityBook value | $4.8B | $2.0B |
| Total Assets | $32.6B | $9.8B |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $406.0M | ||
| Q3 25 | $1.8B | $474.0M | ||
| Q2 25 | $1.3B | $205.0M | ||
| Q1 25 | $1.3B | $196.0M | ||
| Q4 24 | $1.4B | $197.0M | ||
| Q3 24 | $1.3B | $197.0M | ||
| Q2 24 | $1.1B | $206.0M | ||
| Q1 24 | $1.1B | $237.0M |
| 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 | $2.0B | ||
| Q3 25 | $4.7B | $2.5B | ||
| Q2 25 | $4.5B | $2.5B | ||
| Q1 25 | $4.4B | $2.4B | ||
| Q4 24 | $4.5B | $2.4B | ||
| Q3 24 | $4.7B | $2.4B | ||
| Q2 24 | $4.4B | $2.4B | ||
| Q1 24 | $4.2B | $2.4B |
| Q4 25 | $32.6B | $9.8B | ||
| Q3 25 | $33.8B | $10.1B | ||
| Q2 25 | $30.7B | $9.9B | ||
| Q1 25 | $30.3B | $9.9B | ||
| Q4 24 | $30.8B | $9.8B | ||
| Q3 24 | $32.6B | $9.7B | ||
| Q2 24 | $29.9B | $9.6B | ||
| Q1 24 | $30.0B | $9.9B |
| 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 | $6.0M |
| Free Cash FlowOCF − Capex | — | $-6.0M |
| FCF MarginFCF / Revenue | — | -0.5% |
| Capex IntensityCapex / Revenue | — | 1.0% |
| Cash ConversionOCF / Net Profit | 2.62× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-29.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | $6.0M | ||
| Q3 25 | $216.0M | $62.0M | ||
| Q2 25 | $191.0M | $-48.0M | ||
| Q1 25 | $342.0M | $8.0M | ||
| Q4 24 | $674.0M | $100.0M | ||
| Q3 24 | $459.0M | $72.0M | ||
| Q2 24 | $-88.0M | $30.0M | ||
| Q1 24 | $107.0M | $3.0M |
| Q4 25 | — | $-6.0M | ||
| Q3 25 | — | $51.0M | ||
| Q2 25 | — | $-68.0M | ||
| Q1 25 | — | $-6.0M | ||
| Q4 24 | — | $86.0M | ||
| Q3 24 | — | $58.0M | ||
| Q2 24 | — | $17.0M | ||
| Q1 24 | — | $-13.0M |
| Q4 25 | — | -0.5% | ||
| Q3 25 | — | 4.3% | ||
| Q2 25 | — | -5.9% | ||
| Q1 25 | — | -0.5% | ||
| Q4 24 | — | 6.9% | ||
| Q3 24 | — | 4.8% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | -1.2% |
| Q4 25 | — | 1.0% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 1.7% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.4% |
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | — | ||
| Q2 25 | 1.10× | -0.70× | ||
| Q1 25 | 2.22× | 0.14× | ||
| Q4 24 | 2.64× | 2.00× | ||
| Q3 24 | 2.54× | 0.86× | ||
| Q2 24 | -0.42× | 0.81× | ||
| Q1 24 | 0.44× | 0.06× |
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% |
VAC
| Cost Reimbursement | $467.0M | 38% |
| Time Share | $381.0M | 31% |
| Management And Exchange | $212.0M | 17% |
| Ancillary Revenues | $64.0M | 5% |
| Management Service | $55.0M | 4% |
| Service Other | $36.0M | 3% |
