Aflac Incorporated (AFL)vsGenworth Financial Inc (GNW)
AFL
Aflac Incorporated
$113.10
-0.44%
FINANCIAL SERVICES · Cap: $57.57B
GNW
Genworth Financial Inc
$9.13
-0.11%
FINANCIAL SERVICES · Cap: $3.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 148% more annual revenue ($18.11B vs $7.30B). AFL leads profitability with a 25.6% profit margin vs 3.0%. GNW appears more attractively valued with a PEG of 0.31. AFL earns a higher WallStSmart Score of 81/100 (A-).
AFL
Exceptional Buy81
out of 100
Grade: A-
GNW
Buy64
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
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.6%
Growing faster than its price suggests
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 45.3% YoY
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
0.1% revenue growth
ROE of 3.6% — below average capital efficiency
3.0% margin — thin
Operating margin of 2.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : AFL
The strongest argument for AFL centers on EPS Growth, Market Cap, Profit Margin. Profitability is solid with margins at 25.6% and operating margin at 29.6%. Revenue growth of 27.9% demonstrates continued momentum.
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 Piotroski F-Score, Altman Z-Score.
Bear Case : GNW
The primary concerns for GNW are Revenue Growth, Return on Equity, Profit Margin. Thin 3.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
AFL profiles as a growth stock while GNW is a value play — different risk/reward profiles.
GNW carries more volatility with a beta of 1.00 — 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 64/100), 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.
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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