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Side-by-side financial comparison of First American Financial Corp (FAF) and RXO, Inc. (RXO). Click either name above to swap in a different company.
First American Financial Corp is the larger business by last-quarter revenue ($2.0B vs $1.5B, roughly 1.4× RXO, Inc.). First American Financial Corp runs the higher net margin — 10.3% vs -3.1%, a 13.5% gap on every dollar of revenue. On growth, First American Financial Corp posted the faster year-over-year revenue change (21.6% vs -11.9%). First American Financial Corp produced more free cash flow last quarter ($324.5M vs $-9.0M). Over the past eight quarters, RXO, Inc.'s revenue compounded faster (26.8% CAGR vs 19.9%).
First American Financial Corporation is an American financial services company which provides title insurance and settlement services to the real estate and mortgage industries.
RXO, Inc. is a leading transportation and logistics solutions provider headquartered in the United States. Its core service portfolio includes freight brokerage, last-mile delivery for heavy and bulky goods, managed transportation services, and end-to-end supply chain optimization support, primarily catering to clients across the North American manufacturing, retail, and e-commerce segments.
FAF vs RXO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.0B | $1.5B |
| Net Profit | $211.9M | $-46.0M |
| Gross Margin | — | — |
| Operating Margin | 14.0% | -2.9% |
| Net Margin | 10.3% | -3.1% |
| Revenue YoY | 21.6% | -11.9% |
| Net Profit YoY | 192.7% | -84.0% |
| EPS (diluted) | $2.04 | $-0.28 |
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 | $2.0B | $1.5B | ||
| Q3 25 | $2.0B | $1.4B | ||
| Q2 25 | $1.8B | $1.4B | ||
| Q1 25 | $1.6B | $1.4B | ||
| Q4 24 | $1.7B | $1.7B | ||
| Q3 24 | $1.4B | $1.0B | ||
| Q2 24 | $1.6B | $930.0M | ||
| Q1 24 | $1.4B | $913.0M |
| Q4 25 | $211.9M | $-46.0M | ||
| Q3 25 | $189.6M | $-14.0M | ||
| Q2 25 | $146.1M | $-9.0M | ||
| Q1 25 | $74.2M | $-31.0M | ||
| Q4 24 | $72.4M | $-25.0M | ||
| Q3 24 | $-104.0M | $-243.0M | ||
| Q2 24 | $116.0M | $-7.0M | ||
| Q1 24 | $46.7M | $-15.0M |
| Q4 25 | 14.0% | -2.9% | ||
| Q3 25 | 12.5% | -0.5% | ||
| Q2 25 | 10.6% | — | ||
| Q1 25 | 6.1% | -2.1% | ||
| Q4 24 | 5.9% | -1.4% | ||
| Q3 24 | -10.3% | -1.9% | ||
| Q2 24 | 9.4% | — | ||
| Q1 24 | 4.1% | -1.3% |
| Q4 25 | 10.3% | -3.1% | ||
| Q3 25 | 9.6% | -1.0% | ||
| Q2 25 | 7.9% | -0.6% | ||
| Q1 25 | 4.7% | -2.2% | ||
| Q4 24 | 4.3% | -1.5% | ||
| Q3 24 | -7.4% | -23.4% | ||
| Q2 24 | 7.2% | -0.8% | ||
| Q1 24 | 3.3% | -1.6% |
| Q4 25 | $2.04 | $-0.28 | ||
| Q3 25 | $1.84 | $-0.08 | ||
| Q2 25 | $1.41 | $-0.05 | ||
| Q1 25 | $0.71 | $-0.18 | ||
| Q4 24 | $0.70 | $-0.17 | ||
| Q3 24 | $-1.00 | $-1.81 | ||
| Q2 24 | $1.11 | $-0.06 | ||
| Q1 24 | $0.45 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.4B | $17.0M |
| Total DebtLower is stronger | — | $387.0M |
| Stockholders' EquityBook value | $5.5B | $1.5B |
| Total Assets | $16.2B | $3.3B |
| Debt / EquityLower = less leverage | — | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.4B | $17.0M | ||
| Q3 25 | $2.9B | $25.0M | ||
| Q2 25 | $2.0B | $18.0M | ||
| Q1 25 | $2.0B | $16.0M | ||
| Q4 24 | $1.7B | $35.0M | ||
| Q3 24 | $3.0B | $55.0M | ||
| Q2 24 | $2.0B | $7.0M | ||
| Q1 24 | $1.5B | $7.0M |
| Q4 25 | — | $387.0M | ||
| Q3 25 | — | $387.0M | ||
| Q2 25 | — | $387.0M | ||
| Q1 25 | — | $387.0M | ||
| Q4 24 | — | $351.0M | ||
| Q3 24 | — | $352.0M | ||
| Q2 24 | — | $370.0M | ||
| Q1 24 | — | $351.0M |
| Q4 25 | $5.5B | $1.5B | ||
| Q3 25 | $5.3B | $1.6B | ||
| Q2 25 | $5.1B | $1.6B | ||
| Q1 25 | $5.0B | $1.6B | ||
| Q4 24 | $4.9B | $1.6B | ||
| Q3 24 | $5.1B | $1.7B | ||
| Q2 24 | $4.8B | $579.0M | ||
| Q1 24 | $4.8B | $582.0M |
| Q4 25 | $16.2B | $3.3B | ||
| Q3 25 | $17.6B | $3.2B | ||
| Q2 25 | $16.3B | $3.2B | ||
| Q1 25 | $15.5B | $3.3B | ||
| Q4 24 | $14.9B | $3.4B | ||
| Q3 24 | $16.6B | $3.4B | ||
| Q2 24 | $15.2B | $1.8B | ||
| Q1 24 | $14.7B | $1.8B |
| Q4 25 | — | 0.25× | ||
| Q3 25 | — | 0.24× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.22× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.60× |
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 | $369.3M | $7.0M |
| Free Cash FlowOCF − Capex | $324.5M | $-9.0M |
| FCF MarginFCF / Revenue | 15.8% | -0.6% |
| Capex IntensityCapex / Revenue | 2.2% | 1.1% |
| Cash ConversionOCF / Net Profit | 1.74× | — |
| TTM Free Cash FlowTrailing 4 quarters | $762.5M | $-8.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $369.3M | $7.0M | ||
| Q3 25 | $272.5M | $23.0M | ||
| Q2 25 | $361.8M | $23.0M | ||
| Q1 25 | $-52.8M | $-2.0M | ||
| Q4 24 | $324.6M | $-7.0M | ||
| Q3 24 | $236.9M | $-7.0M | ||
| Q2 24 | $266.7M | $-5.0M | ||
| Q1 24 | $69.3M | $7.0M |
| Q4 25 | $324.5M | $-9.0M | ||
| Q3 25 | $223.1M | $9.0M | ||
| Q2 25 | $309.4M | $9.0M | ||
| Q1 25 | $-94.5M | $-17.0M | ||
| Q4 24 | $266.2M | $-19.0M | ||
| Q3 24 | $185.4M | $-18.0M | ||
| Q2 24 | $210.0M | $-16.0M | ||
| Q1 24 | $17.6M | $-4.0M |
| Q4 25 | 15.8% | -0.6% | ||
| Q3 25 | 11.3% | 0.6% | ||
| Q2 25 | 16.8% | 0.6% | ||
| Q1 25 | -6.0% | -1.2% | ||
| Q4 24 | 15.8% | -1.1% | ||
| Q3 24 | 13.2% | -1.7% | ||
| Q2 24 | 13.0% | -1.7% | ||
| Q1 24 | 1.2% | -0.4% |
| Q4 25 | 2.2% | 1.1% | ||
| Q3 25 | 2.5% | 1.0% | ||
| Q2 25 | 2.8% | 1.0% | ||
| Q1 25 | 2.6% | 1.0% | ||
| Q4 24 | 3.5% | 0.7% | ||
| Q3 24 | 3.7% | 1.1% | ||
| Q2 24 | 3.5% | 1.2% | ||
| Q1 24 | 3.6% | 1.2% |
| Q4 25 | 1.74× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 2.48× | — | ||
| Q1 25 | -0.71× | — | ||
| Q4 24 | 4.48× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 2.30× | — | ||
| Q1 24 | 1.48× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FAF
| Title Insurance And Services | $1.9B | 94% |
| Home Warranty | $110.3M | 5% |
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
