Atlantic American Corporation (AAME)vsAflac Incorporated (AFL)
AAME
Atlantic American Corporation
$2.52
+5.00%
FINANCIAL SERVICES · Cap: $61.60M
AFL
Aflac Incorporated
$107.21
+0.95%
FINANCIAL SERVICES · Cap: $56.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 8526% more annual revenue ($17.16B vs $198.98M). AFL leads profitability with a 21.2% profit margin vs 1.3%. AFL appears more attractively valued with a PEG of 1.18. AFL earns a higher WallStSmart Score of 63/100 (C+).
AAME
Hold44
out of 100
Grade: D
AFL
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-277.9%
Fair Value
$0.68
Current Price
$2.52
$1.84 premium
Margin of Safety
-150.7%
Fair Value
$46.38
Current Price
$107.21
$60.83 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
16.0% revenue growth
Strong operational efficiency at 33.6%
Large-cap with strong market position
Keeps 21 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
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 2.5% — below average capital efficiency
Weak financial health signals
Revenue declined 9.9%
Earnings declined 22.9%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AAME
The strongest argument for AAME centers on Price/Book, Revenue Growth. Revenue growth of 16.0% demonstrates continued momentum.
Bull Case : AFL
The strongest argument for AFL centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 21.2% and operating margin at 33.6%. PEG of 1.18 suggests the stock is reasonably priced for its growth.
Bear Case : AAME
The primary concerns for AAME are PEG Ratio, P/E Ratio, Market Cap. Thin 1.3% margins leave little buffer for downturns.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score, Revenue Growth, EPS 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 0.77 — expect wider price swings.
AAME is growing revenue faster at 16.0% — sustainability is the question.
AFL generates stronger free cash flow (315M), providing more financial flexibility.
Bottom Line
AFL scores higher overall (63/100 vs 44/100), backed by strong 21.2% margins. Both earn "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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