Aflac Incorporated (AFL)vsJackson Financial Inc (JXN)
AFL
Aflac Incorporated
$115.28
+0.71%
FINANCIAL SERVICES · Cap: $57.79B
JXN
Jackson Financial Inc
$138.12
-0.17%
FINANCIAL SERVICES · Cap: $9.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 176% more annual revenue ($18.07B vs $6.55B). AFL leads profitability with a 26.9% profit margin vs 1.6%. AFL trades at a lower P/E of 12.4x. AFL earns a higher WallStSmart Score of 73/100 (B).
AFL
Strong Buy73
out of 100
Grade: B
JXN
Hold46
out of 100
Grade: D+
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%
Reasonable price relative to book value
Earnings expanding 291.6% YoY
Conservative balance sheet, low leverage
Generating 1.8B in free cash flow
Areas to Watch
Grey zone — moderate risk
Revenue declined 1.0%
1.6% margin — thin
Premium valuation, high expectations priced in
ROE of -3.9% — below average capital efficiency
Revenue declined 22.6%
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 : JXN
The strongest argument for JXN centers on Price/Book, EPS Growth, Debt/Equity.
Bear Case : AFL
The primary concerns for AFL are Altman Z-Score, Revenue Growth.
Bear Case : JXN
The primary concerns for JXN are Profit Margin, P/E Ratio, Return on Equity. A P/E of 148.5x leaves little room for execution misses. Thin 1.6% 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 1.32 — expect wider price swings.
AFL is growing revenue faster at -1.0% — sustainability is the question.
JXN generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
AFL scores higher overall (73/100 vs 46/100), backed by strong 26.9% margins. Both earn "Strong Buy" and "Hold" 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 player in the U.S. life insurance and asset management sectors, renowned for its innovative retirement solutions that aim to bolster financial security for individuals and families. The company offers a diverse portfolio of fixed and variable annuities along with life insurance products, skillfully meeting the evolving needs of retirees and investors in a complex financial landscape. By harnessing cutting-edge technology and a robust distribution network, Jackson Financial is well-equipped to capitalize on demographic trends and the rising demand for efficient retirement planning, positioning itself for sustained growth and a competitive advantage in the industry.
Compare with Other INSURANCE - LIFE Stocks
Want to dig deeper into these stocks?