Aflac Incorporated (AFL)vsCNO Financial Group Inc (CNO)
AFL
Aflac Incorporated
$107.21
+0.95%
FINANCIAL SERVICES · Cap: $56.19B
CNO
CNO Financial Group Inc
$40.61
-0.05%
FINANCIAL SERVICES · Cap: $3.87B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 282% more annual revenue ($17.16B vs $4.49B). AFL leads profitability with a 21.2% profit margin vs 5.1%. AFL appears more attractively valued with a PEG of 1.18. AFL earns a higher WallStSmart Score of 63/100 (C+).
AFL
Buy63
out of 100
Grade: C+
CNO
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-150.7%
Fair Value
$46.38
Current Price
$107.21
$60.83 premium
Margin of Safety
-175.4%
Fair Value
$15.64
Current Price
$40.61
$24.97 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
Weak financial health signals
Revenue declined 9.9%
Earnings declined 22.9%
Distress zone — elevated risk
4.2% revenue growth
5.1% margin — thin
Elevated debt levels
Earnings declined 45.2%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : CNO
The strongest argument for CNO centers on Price/Book, P/E Ratio. 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, Revenue Growth, EPS Growth.
Bear Case : CNO
The primary concerns for CNO are Revenue Growth, Profit Margin, Debt/Equity. Debt-to-equity of 1.54 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFL profiles as a declining stock while CNO is a value play — different risk/reward profiles.
CNO carries more volatility with a beta of 0.85 — expect wider price swings.
CNO is growing revenue faster at 4.2% — sustainability is the question.
AFL generates stronger free cash flow (315M), providing more financial flexibility.
Bottom Line
AFL scores higher overall (63/100 vs 56/100), backed by strong 21.2% margins. Both earn "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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