Aflac Incorporated (AFL)vsCNO Financial Group Inc (CNO)
AFL
Aflac Incorporated
$118.24
+2.56%
FINANCIAL SERVICES · Cap: $57.84B
CNO
CNO Financial Group Inc
$47.91
+1.68%
FINANCIAL SERVICES · Cap: $4.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 301% more annual revenue ($18.11B vs $4.51B). AFL leads profitability with a 25.6% profit margin vs 5.4%. AFL appears more attractively valued with a PEG of 1.18. AFL earns a higher WallStSmart Score of 81/100 (A-).
AFL
Exceptional Buy81
out of 100
Grade: A-
CNO
Buy62
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Earnings expanding 85.7% YoY
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
2.5% revenue growth
5.4% margin — thin
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : CNO
The strongest argument for CNO centers on EPS Growth, Price/Book. PEG of 1.29 suggests the stock is reasonably priced for its growth.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score.
Bear Case : CNO
The primary concerns for CNO are Revenue Growth, Profit Margin, Debt/Equity. Debt-to-equity of 1.72 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFL profiles as a growth stock while CNO is a value play — different risk/reward profiles.
CNO carries more volatility with a beta of 0.84 — 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.
Bottom Line
AFL scores higher overall (81/100 vs 62/100), backed by strong 25.6% margins and 27.9% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
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.
CNO Financial Group Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
CNO Financial Group, Inc. develops, markets, and manages health insurance, annuities, individual life insurance, and other insurance products for the middle-income and senior markets in the United States. The company is headquartered in Carmel, Indiana.
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