Aflac Incorporated (AFL)vsF&G Annuities & Life Inc. (FG)
AFL
Aflac Incorporated
$107.21
+0.95%
FINANCIAL SERVICES · Cap: $56.19B
FG
F&G Annuities & Life Inc.
$24.64
+1.48%
FINANCIAL SERVICES · Cap: $3.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 199% more annual revenue ($17.16B vs $5.73B). AFL leads profitability with a 21.2% profit margin vs 4.6%. FG trades at a lower P/E of 12.9x. AFL earns a higher WallStSmart Score of 63/100 (C+).
AFL
Buy63
out of 100
Grade: C+
FG
Buy53
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
-121.9%
Fair Value
$12.78
Current Price
$24.64
$11.86 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
Generating 1.5B in free cash flow
Areas to Watch
Weak financial health signals
Revenue declined 9.9%
Earnings declined 22.9%
Distress zone — elevated risk
ROE of 6.0% — below average capital efficiency
4.6% margin — thin
Weak financial health signals
Earnings declined 64.2%
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 : FG
The strongest argument for FG centers on Price/Book, P/E Ratio, Free Cash Flow. Revenue growth of 13.2% demonstrates continued momentum.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score, Revenue Growth, EPS Growth.
Bear Case : FG
The primary concerns for FG are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
AFL profiles as a declining stock while FG is a value play — different risk/reward profiles.
FG carries more volatility with a beta of 1.61 — expect wider price swings.
FG is growing revenue faster at 13.2% — sustainability is the question.
FG generates stronger free cash flow (1.5B), providing more financial flexibility.
Bottom Line
AFL scores higher overall (63/100 vs 53/100), 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.
F&G Annuities & Life Inc.
FINANCIAL SERVICES · INSURANCE - LIFE · USA
FGL Holdings sells individual life and annuity insurance products in the United States. The company is headquartered in Des Moines, Iowa.
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