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Side-by-side financial comparison of AMERICAN FINANCIAL GROUP INC (AFG) and XPO, Inc. (XPO). 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 $2.0B, roughly 1.0× XPO, Inc.). AMERICAN FINANCIAL GROUP INC runs the higher net margin — 14.5% vs 2.9%, a 11.6% gap on every dollar of revenue. On growth, XPO, Inc. posted the faster year-over-year revenue change (4.7% vs -4.0%). Over the past eight quarters, AMERICAN FINANCIAL GROUP INC's revenue compounded faster (4.0% CAGR vs -0.1%).
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
XPO, Inc., formerly XPO Logistics, is an American transportation company that conducts less-than-truckload shipping in North America. The company has headquarters in Greenwich, Connecticut, and has 592 locations globally. XPO is the second largest provider of less-than-truckload (LTL) services in North America, operating in 99 percent of all U.S. postal codes.
AFG vs XPO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.1B | $2.0B |
| Net Profit | $299.0M | $59.0M |
| Gross Margin | — | — |
| Operating Margin | 18.4% | 7.1% |
| Net Margin | 14.5% | 2.9% |
| Revenue YoY | -4.0% | 4.7% |
| Net Profit YoY | 17.3% | -21.3% |
| EPS (diluted) | $3.59 | $0.49 |
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 | $2.0B | ||
| Q3 25 | $2.3B | $2.1B | ||
| Q2 25 | $1.9B | $2.1B | ||
| Q1 25 | $1.9B | $2.0B | ||
| Q4 24 | $2.1B | $1.9B | ||
| Q3 24 | $2.4B | $2.1B | ||
| Q2 24 | $1.9B | $2.1B | ||
| Q1 24 | $1.9B | $2.0B |
| Q4 25 | $299.0M | $59.0M | ||
| Q3 25 | $215.0M | $82.0M | ||
| Q2 25 | $174.0M | $106.0M | ||
| Q1 25 | $154.0M | $69.0M | ||
| Q4 24 | $255.0M | $75.0M | ||
| Q3 24 | $181.0M | $95.0M | ||
| Q2 24 | $209.0M | $150.0M | ||
| Q1 24 | $242.0M | $67.0M |
| Q4 25 | 18.4% | 7.1% | ||
| Q3 25 | 11.5% | 7.8% | ||
| Q2 25 | 11.9% | 9.5% | ||
| Q1 25 | 10.6% | 7.7% | ||
| Q4 24 | 14.9% | 7.8% | ||
| Q3 24 | 9.7% | 8.6% | ||
| Q2 24 | 14.3% | 9.5% | ||
| Q1 24 | 15.9% | 6.8% |
| Q4 25 | 14.5% | 2.9% | ||
| Q3 25 | 9.2% | 3.9% | ||
| Q2 25 | 9.0% | 5.1% | ||
| Q1 25 | 8.3% | 3.5% | ||
| Q4 24 | 11.9% | 3.9% | ||
| Q3 24 | 7.6% | 4.6% | ||
| Q2 24 | 11.0% | 7.2% | ||
| Q1 24 | 12.7% | 3.3% |
| Q4 25 | $3.59 | $0.49 | ||
| Q3 25 | $2.58 | $0.68 | ||
| Q2 25 | $2.07 | $0.89 | ||
| Q1 25 | $1.84 | $0.58 | ||
| Q4 24 | $3.03 | $0.63 | ||
| Q3 24 | $2.16 | $0.79 | ||
| Q2 24 | $2.49 | $1.25 | ||
| Q1 24 | $2.89 | $0.56 |
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 | $310.0M |
| Total DebtLower is stronger | $1.8B | — |
| Stockholders' EquityBook value | $4.8B | $1.9B |
| Total Assets | $32.6B | $8.2B |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $310.0M | ||
| Q3 25 | $1.8B | $335.0M | ||
| Q2 25 | $1.3B | $225.0M | ||
| Q1 25 | $1.3B | $212.0M | ||
| Q4 24 | $1.4B | $246.0M | ||
| Q3 24 | $1.3B | $378.0M | ||
| Q2 24 | $1.1B | $250.0M | ||
| Q1 24 | $1.1B | $229.0M |
| 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 | $1.9B | ||
| Q3 25 | $4.7B | $1.8B | ||
| Q2 25 | $4.5B | $1.8B | ||
| Q1 25 | $4.4B | $1.6B | ||
| Q4 24 | $4.5B | $1.6B | ||
| Q3 24 | $4.7B | $1.6B | ||
| Q2 24 | $4.4B | $1.5B | ||
| Q1 24 | $4.2B | $1.3B |
| Q4 25 | $32.6B | $8.2B | ||
| Q3 25 | $33.8B | $8.2B | ||
| Q2 25 | $30.7B | $8.1B | ||
| Q1 25 | $30.3B | $7.9B | ||
| Q4 24 | $30.8B | $7.7B | ||
| Q3 24 | $32.6B | $7.9B | ||
| Q2 24 | $29.9B | $7.7B | ||
| Q1 24 | $30.0B | $7.6B |
| 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 | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 5.3% |
| Cash ConversionOCF / Net Profit | 2.62× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $784.0M | — | ||
| Q3 25 | $216.0M | $371.0M | ||
| Q2 25 | $191.0M | $247.0M | ||
| Q1 25 | $342.0M | $142.0M | ||
| Q4 24 | $674.0M | $189.0M | ||
| Q3 24 | $459.0M | $264.0M | ||
| Q2 24 | $-88.0M | $210.0M | ||
| Q1 24 | $107.0M | $145.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | $215.0M | ||
| Q2 25 | — | $51.0M | ||
| Q1 25 | — | $-57.0M | ||
| Q4 24 | — | $23.0M | ||
| Q3 24 | — | $137.0M | ||
| Q2 24 | — | $20.0M | ||
| Q1 24 | — | $-161.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | 10.2% | ||
| Q2 25 | — | 2.5% | ||
| Q1 25 | — | -2.9% | ||
| Q4 24 | — | 1.2% | ||
| Q3 24 | — | 6.7% | ||
| Q2 24 | — | 1.0% | ||
| Q1 24 | — | -8.0% |
| Q4 25 | — | 5.3% | ||
| Q3 25 | — | 7.4% | ||
| Q2 25 | — | 9.4% | ||
| Q1 25 | — | 10.2% | ||
| Q4 24 | — | 8.6% | ||
| Q3 24 | — | 6.2% | ||
| Q2 24 | — | 9.1% | ||
| Q1 24 | — | 15.2% |
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | 4.52× | ||
| Q2 25 | 1.10× | 2.33× | ||
| Q1 25 | 2.22× | 2.06× | ||
| Q4 24 | 2.64× | 2.52× | ||
| Q3 24 | 2.54× | 2.78× | ||
| Q2 24 | -0.42× | 1.40× | ||
| Q1 24 | 0.44× | 2.16× |
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% |
XPO
| North American LTL | $1.2B | 58% |
| European Transportation | $844.0M | 42% |
