Atlantic American Corporation (AAME)vsAflac Incorporated (AFL)
AAME
Atlantic American Corporation
$1.67
-10.22%
FINANCIAL SERVICES · Cap: $42.43M
AFL
Aflac Incorporated
$118.24
+2.56%
FINANCIAL SERVICES · Cap: $57.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 8599% more annual revenue ($18.11B vs $208.22M). AFL leads profitability with a 25.6% profit margin vs 2.5%. AFL appears more attractively valued with a PEG of 1.18. AFL earns a higher WallStSmart Score of 81/100 (A-).
AAME
Hold45
out of 100
Grade: D
AFL
Exceptional Buy81
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 20.8% year-over-year
Earnings expanding 3860.0% YoY
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 4.7% — below average capital efficiency
2.5% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : AAME
The strongest argument for AAME centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 20.8% demonstrates continued momentum.
Bull Case : AFL
The strongest argument for AFL centers on EPS Growth, Market Cap, Return on Equity. Profitability is solid with margins at 25.6% and operating margin at 29.6%. Revenue growth of 27.9% demonstrates continued momentum.
Bear Case : AAME
The primary concerns for AAME are PEG Ratio, Market Cap, Return on Equity. Thin 2.5% margins leave little buffer for downturns.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score.
Key Dynamics to Monitor
AAME carries more volatility with a beta of 0.80 — expect wider price swings.
AFL is growing revenue faster at 27.9% — sustainability is the question.
AFL generates stronger free cash flow (968M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AFL scores higher overall (81/100 vs 45/100), backed by strong 25.6% margins and 27.9% revenue growth. Both earn "Exceptional Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Atlantic American Corporation
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Atlantic American Corporation provides life and health insurance and property and casualty products in the United States. The company is headquartered in Atlanta, Georgia.
Aflac Incorporated
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Aflac Inc. (American Family Life Assurance Company) is an American insurance company and is the largest provider of supplemental insurance in the United States.
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