Aflac Incorporated (AFL)vsManulife Financial Corp (MFC)
AFL
Aflac Incorporated
$107.21
+0.95%
FINANCIAL SERVICES · Cap: $56.19B
MFC
Manulife Financial Corp
$34.60
+0.48%
FINANCIAL SERVICES · Cap: $56.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Manulife Financial Corp generates 80% more annual revenue ($30.98B vs $17.16B). AFL leads profitability with a 21.2% profit margin vs 18.7%. MFC appears more attractively valued with a PEG of 0.78. MFC earns a higher WallStSmart Score of 66/100 (B-).
AFL
Buy63
out of 100
Grade: C+
MFC
Strong Buy66
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-150.7%
Fair Value
$46.38
Current Price
$107.21
$60.83 premium
Margin of Safety
-149.9%
Fair Value
$15.16
Current Price
$34.59
$19.43 premium
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
Strong operational efficiency at 133.5%
Large-cap with strong market position
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Revenue declined 9.9%
Earnings declined 22.9%
Distress zone — elevated risk
Revenue declined 34.9%
Earnings declined 6.1%
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 : MFC
The strongest argument for MFC centers on Operating Margin, Market Cap, Debt/Equity. Profitability is solid with margins at 18.7% and operating margin at 133.5%. PEG of 0.78 suggests the stock is reasonably priced for its growth.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score, Revenue Growth, EPS Growth.
Bear Case : MFC
The primary concerns for MFC are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
MFC carries more volatility with a beta of 0.74 — expect wider price swings.
AFL is growing revenue faster at -9.9% — sustainability is the question.
MFC generates stronger free cash flow (8.6B), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFC scores higher overall (66/100 vs 63/100), backed by strong 18.7% 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.
Manulife Financial Corp
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Manulife Financial Corporation, offers financial products and services in Asia, Canada, the United States and internationally. The company is headquartered in Toronto, Canada.
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