Aflac Incorporated (AFL)vsF&G Annuities & Life Inc. (FG)
AFL
Aflac Incorporated
$118.24
+2.56%
FINANCIAL SERVICES · Cap: $57.84B
FG
F&G Annuities & Life Inc.
$27.17
-0.86%
FINANCIAL SERVICES · Cap: $3.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 201% more annual revenue ($18.11B vs $6.01B). AFL leads profitability with a 25.6% profit margin vs 8.9%. FG trades at a lower P/E of 7.5x. AFL earns a higher WallStSmart Score of 81/100 (A-).
AFL
Exceptional Buy81
out of 100
Grade: A-
FG
Strong Buy67
out of 100
Grade: B-
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 30.7%
Revenue surging 30.7% year-over-year
Areas to Watch
Weak financial health signals
Weak financial health signals
Earnings declined 64.2%
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 : FG
The strongest argument for FG centers on P/E Ratio, Price/Book, Operating Margin. Revenue growth of 30.7% demonstrates continued momentum.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score.
Bear Case : FG
The primary concerns for FG are Piotroski F-Score, EPS Growth.
Key Dynamics to Monitor
AFL profiles as a growth stock while FG is a hypergrowth play — different risk/reward profiles.
FG carries more volatility with a beta of 1.29 — expect wider price swings.
FG is growing revenue faster at 30.7% — sustainability is the question.
AFL generates stronger free cash flow (968M), providing more financial flexibility.
Bottom Line
AFL scores higher overall (81/100 vs 67/100), backed by strong 25.6% margins and 27.9% revenue growth. Both earn "Exceptional Buy" and "Strong 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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