Aflac Incorporated (AFL)vsJackson Financial Inc (JXN)
AFL
Aflac Incorporated
$107.21
+0.95%
FINANCIAL SERVICES · Cap: $56.19B
JXN
Jackson Financial Inc
$107.75
+1.17%
FINANCIAL SERVICES · Cap: $7.53B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 154% more annual revenue ($17.16B vs $6.76B). AFL leads profitability with a 21.2% profit margin vs 0.4%. AFL earns a higher WallStSmart Score of 63/100 (C+).
AFL
Buy63
out of 100
Grade: C+
JXN
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
Intrinsic value data unavailable for JXN.
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
Strong operational efficiency at 23.6%
Generating 1.6B 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 0.7% — below average capital efficiency
0.4% margin — thin
Earnings declined 31.8%
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 : JXN
The strongest argument for JXN centers on Price/Book, Operating Margin, Free Cash Flow.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score, Revenue Growth, EPS Growth.
Bear Case : JXN
The primary concerns for JXN are Return on Equity, Profit Margin, EPS Growth. Thin 0.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
AFL profiles as a declining stock while JXN is a value play — different risk/reward profiles.
JXN carries more volatility with a beta of 1.47 — expect wider price swings.
JXN is growing revenue faster at 7.2% — sustainability is the question.
JXN generates stronger free cash flow (1.6B), 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.
Jackson Financial Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Jackson Financial Inc. is a prominent provider in the U.S. life insurance and asset management sectors, focusing on innovative retirement solutions that prioritize long-term financial security for individuals and families. The company specializes in a diverse range of fixed and variable annuities, as well as life insurance products, designed to address the unique needs of retirees and investors in an evolving financial landscape. With a robust commitment to customer service and the use of advanced technology, Jackson Financial is well-equipped to capitalize on demographic trends and the increasing demand for comprehensive retirement planning. Its extensive distribution network and emphasis on sustainable growth further enhance its competitive positioning within the market.
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