Atlantic American Corporation (AAME)vsAflac Incorporated (AFL)
AAME
Atlantic American Corporation
$1.29
-0.77%
FINANCIAL SERVICES · Cap: $26.52M
AFL
Aflac Incorporated
$115.28
+0.71%
FINANCIAL SERVICES · Cap: $57.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 8578% more annual revenue ($18.07B vs $208.22M). AFL leads profitability with a 26.9% profit margin vs 2.5%. AFL appears more attractively valued with a PEG of 1.18. AFL earns a higher WallStSmart Score of 73/100 (B).
AAME
Hold45
out of 100
Grade: D
AFL
Strong Buy73
out of 100
Grade: B
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
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.7%
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
Grey zone — moderate risk
Revenue declined 1.0%
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 Market Cap, Profit Margin, Debt/Equity. Profitability is solid with margins at 26.9% and operating margin at 25.7%. PEG of 1.18 suggests the stock is reasonably priced for its growth.
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 Altman Z-Score, Revenue Growth.
Key Dynamics to Monitor
AAME profiles as a growth stock while AFL is a declining play — different risk/reward profiles.
AAME carries more volatility with a beta of 0.78 — expect wider price swings.
AAME is growing revenue faster at 20.8% — sustainability is the question.
AFL generates stronger free cash flow (112M), providing more financial flexibility.
Bottom Line
AFL scores higher overall (73/100 vs 45/100), backed by strong 26.9% margins. Both earn "Strong 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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