Aflac Incorporated (AFL)vsGenworth Financial Inc (GNW)
AFL
Aflac Incorporated
$114.60
-0.50%
FINANCIAL SERVICES · Cap: $57.79B
GNW
Genworth Financial Inc
$9.76
-2.69%
FINANCIAL SERVICES · Cap: $3.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 145% more annual revenue ($18.07B vs $7.38B). AFL leads profitability with a 26.9% profit margin vs 2.9%. GNW appears more attractively valued with a PEG of 0.31. AFL earns a higher WallStSmart Score of 73/100 (B).
AFL
Strong Buy73
out of 100
Grade: B
GNW
Buy59
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.7%
Growing faster than its price suggests
Reasonable price relative to book value
Conservative balance sheet, low leverage
Areas to Watch
Grey zone — moderate risk
Revenue declined 1.0%
0.0% earnings growth
ROE of 2.5% — below average capital efficiency
2.9% margin — thin
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AFL
The strongest argument for AFL centers on Market Cap, Profit Margin, Debt/Equity. Profitability is solid with margins at 26.9% and operating margin at 25.7%. PEG of 1.18 suggests the stock is reasonably priced for its growth.
Bull Case : GNW
The strongest argument for GNW centers on PEG Ratio, Price/Book, Debt/Equity. PEG of 0.31 suggests the stock is reasonably priced for its growth.
Bear Case : AFL
The primary concerns for AFL are Altman Z-Score, Revenue Growth.
Bear Case : GNW
The primary concerns for GNW are EPS Growth, Return on Equity, Profit Margin. Thin 2.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
AFL profiles as a declining stock while GNW is a value play — different risk/reward profiles.
GNW carries more volatility with a beta of 0.85 — expect wider price swings.
GNW is growing revenue faster at 5.3% — sustainability is the question.
AFL generates stronger free cash flow (112M), providing more financial flexibility.
Bottom Line
AFL scores higher overall (73/100 vs 59/100), backed by strong 26.9% margins. Both earn "Strong 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.
Genworth Financial Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Genworth Financial, Inc. offers insurance products in the United States and internationally. The company is headquartered in Richmond, Virginia.
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