vs
Side-by-side financial comparison of First American Financial Corp (FAF) and UPBOUND GROUP, INC. (UPBD). 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 $1.2B, roughly 1.7× UPBOUND GROUP, INC.). First American Financial Corp runs the higher net margin — 10.3% vs 1.7%, a 8.7% gap on every dollar of revenue. On growth, First American Financial Corp posted the faster year-over-year revenue change (21.6% vs 10.9%). First American Financial Corp produced more free cash flow last quarter ($324.5M vs $24.0M). Over the past eight quarters, First American Financial Corp's revenue compounded faster (19.9% CAGR vs 4.5%).
First American Financial Corporation is an American financial services company which provides title insurance and settlement services to the real estate and mortgage industries.
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.
FAF vs UPBD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.0B | $1.2B |
| Net Profit | $211.9M | $19.7M |
| Gross Margin | — | 49.0% |
| Operating Margin | 14.0% | 4.8% |
| Net Margin | 10.3% | 1.7% |
| Revenue YoY | 21.6% | 10.9% |
| Net Profit YoY | 192.7% | -36.3% |
| EPS (diluted) | $2.04 | $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 | $2.0B | $1.2B | ||
| Q3 25 | $2.0B | $1.2B | ||
| Q2 25 | $1.8B | $1.2B | ||
| Q1 25 | $1.6B | $1.2B | ||
| Q4 24 | $1.7B | $1.1B | ||
| Q3 24 | $1.4B | $1.1B | ||
| Q2 24 | $1.6B | $1.1B | ||
| Q1 24 | $1.4B | $1.1B |
| Q4 25 | $211.9M | $19.7M | ||
| Q3 25 | $189.6M | $13.2M | ||
| Q2 25 | $146.1M | $15.5M | ||
| Q1 25 | $74.2M | $24.8M | ||
| Q4 24 | $72.4M | $31.0M | ||
| Q3 24 | $-104.0M | $30.9M | ||
| Q2 24 | $116.0M | $33.9M | ||
| Q1 24 | $46.7M | $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 | 14.0% | 4.8% | ||
| Q3 25 | 12.5% | 4.5% | ||
| Q2 25 | 10.6% | 4.4% | ||
| Q1 25 | 6.1% | 5.3% | ||
| Q4 24 | 5.9% | 7.3% | ||
| Q3 24 | -10.3% | 6.6% | ||
| Q2 24 | 9.4% | 7.5% | ||
| Q1 24 | 4.1% | 5.6% |
| Q4 25 | 10.3% | 1.7% | ||
| Q3 25 | 9.6% | 1.1% | ||
| Q2 25 | 7.9% | 1.3% | ||
| Q1 25 | 4.7% | 2.1% | ||
| Q4 24 | 4.3% | 2.9% | ||
| Q3 24 | -7.4% | 2.9% | ||
| Q2 24 | 7.2% | 3.2% | ||
| Q1 24 | 3.3% | 2.5% |
| Q4 25 | $2.04 | $0.35 | ||
| Q3 25 | $1.84 | $0.22 | ||
| Q2 25 | $1.41 | $0.26 | ||
| Q1 25 | $0.71 | $0.42 | ||
| Q4 24 | $0.70 | $0.55 | ||
| Q3 24 | $-1.00 | $0.55 | ||
| Q2 24 | $1.11 | $0.61 | ||
| Q1 24 | $0.45 | $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 | $1.4B | $120.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.5B | $695.7M |
| Total Assets | $16.2B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.4B | $120.5M | ||
| Q3 25 | $2.9B | $107.0M | ||
| Q2 25 | $2.0B | $106.8M | ||
| Q1 25 | $2.0B | $107.3M | ||
| Q4 24 | $1.7B | $60.9M | ||
| Q3 24 | $3.0B | $85.1M | ||
| Q2 24 | $2.0B | $82.5M | ||
| Q1 24 | $1.5B | $84.8M |
| Q4 25 | $5.5B | $695.7M | ||
| Q3 25 | $5.3B | $687.3M | ||
| Q2 25 | $5.1B | $685.5M | ||
| Q1 25 | $5.0B | $679.2M | ||
| Q4 24 | $4.9B | $629.0M | ||
| Q3 24 | $5.1B | $611.8M | ||
| Q2 24 | $4.8B | $596.3M | ||
| Q1 24 | $4.8B | $578.3M |
| Q4 25 | $16.2B | $3.3B | ||
| Q3 25 | $17.6B | $3.2B | ||
| Q2 25 | $16.3B | $3.1B | ||
| Q1 25 | $15.5B | $3.0B | ||
| Q4 24 | $14.9B | $2.6B | ||
| Q3 24 | $16.6B | $2.6B | ||
| Q2 24 | $15.2B | $2.6B | ||
| Q1 24 | $14.7B | $2.6B |
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 | $41.6M |
| Free Cash FlowOCF − Capex | $324.5M | $24.0M |
| FCF MarginFCF / Revenue | 15.8% | 2.0% |
| Capex IntensityCapex / Revenue | 2.2% | 1.5% |
| Cash ConversionOCF / Net Profit | 1.74× | 2.11× |
| TTM Free Cash FlowTrailing 4 quarters | $762.5M | $238.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $369.3M | $41.6M | ||
| Q3 25 | $272.5M | $118.4M | ||
| Q2 25 | $361.8M | $7.8M | ||
| Q1 25 | $-52.8M | $137.7M | ||
| Q4 24 | $324.6M | $-61.9M | ||
| Q3 24 | $236.9M | $106.2M | ||
| Q2 24 | $266.7M | $15.0M | ||
| Q1 24 | $69.3M | $45.4M |
| Q4 25 | $324.5M | $24.0M | ||
| Q3 25 | $223.1M | $97.9M | ||
| Q2 25 | $309.4M | $-10.4M | ||
| Q1 25 | $-94.5M | $127.2M | ||
| Q4 24 | $266.2M | $-74.0M | ||
| Q3 24 | $185.4M | $88.3M | ||
| Q2 24 | $210.0M | $613.0K | ||
| Q1 24 | $17.6M | $33.6M |
| Q4 25 | 15.8% | 2.0% | ||
| Q3 25 | 11.3% | 8.4% | ||
| Q2 25 | 16.8% | -0.9% | ||
| Q1 25 | -6.0% | 10.8% | ||
| Q4 24 | 15.8% | -6.9% | ||
| Q3 24 | 13.2% | 8.3% | ||
| Q2 24 | 13.0% | 0.1% | ||
| Q1 24 | 1.2% | 3.1% |
| Q4 25 | 2.2% | 1.5% | ||
| Q3 25 | 2.5% | 1.8% | ||
| Q2 25 | 2.8% | 1.6% | ||
| Q1 25 | 2.6% | 0.9% | ||
| Q4 24 | 3.5% | 1.1% | ||
| Q3 24 | 3.7% | 1.7% | ||
| Q2 24 | 3.5% | 1.3% | ||
| Q1 24 | 3.6% | 1.1% |
| Q4 25 | 1.74× | 2.11× | ||
| Q3 25 | 1.44× | 8.96× | ||
| Q2 25 | 2.48× | 0.50× | ||
| Q1 25 | -0.71× | 5.56× | ||
| Q4 24 | 4.48× | -2.00× | ||
| Q3 24 | — | 3.44× | ||
| Q2 24 | 2.30× | 0.44× | ||
| Q1 24 | 1.48× | 1.64× |
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% |
UPBD
Segment breakdown not available.
