WallStSmart

Aflac Incorporated (AFL)vsPrimerica Inc (PRI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Aflac Incorporated generates 418% more annual revenue ($18.07B vs $3.49B). AFL leads profitability with a 26.9% profit margin vs 22.8%. PRI appears more attractively valued with a PEG of 1.07. PRI earns a higher WallStSmart Score of 73/100 (B).

AFL

Strong Buy

73

out of 100

Grade: B

Growth: 4.7Profit: 8.5Value: 6.3Quality: 8.0
Piotroski: 4/9Altman Z: 1.82

PRI

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 8.5Value: 7.0Quality: 7.5
Piotroski: 5/9Altman Z: 1.11

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AFL6 strengths · Avg: 8.5/10
Market CapQuality
$57.79B9/10

Large-cap with strong market position

Profit MarginProfitability
26.9%9/10

Keeps 27 of every $100 in revenue as profit

Debt/EquityHealth
0.299/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
25.7%8/10

Strong operational efficiency at 25.7%

PRI5 strengths · Avg: 9.6/10
P/E RatioValuation
11.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
30.6%10/10

Every $100 of equity generates 31 in profit

Operating MarginProfitability
31.5%10/10

Strong operational efficiency at 31.5%

Profit MarginProfitability
22.8%9/10

Keeps 23 of every $100 in revenue as profit

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

Areas to Watch

AFL2 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.824/10

Grey zone — moderate risk

Revenue GrowthGrowth
-1.0%2/10

Revenue declined 1.0%

PRI1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.112/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : PRI

The strongest argument for PRI centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 22.8% and operating margin at 31.5%. PEG of 1.07 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 : PRI

The primary concerns for PRI are Altman Z-Score.

Key Dynamics to Monitor

AFL profiles as a declining stock while PRI is a mature play — different risk/reward profiles.

PRI carries more volatility with a beta of 0.85 — expect wider price swings.

PRI is growing revenue faster at 8.7% — sustainability is the question.

PRI generates stronger free cash flow (167M), providing more financial flexibility.

Bottom Line

AFL scores higher overall (73/100 vs 73/100), backed by strong 26.9% margins. Both earn "Strong Buy" and "Strong 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.

Primerica Inc

FINANCIAL SERVICES · INSURANCE - LIFE · USA

Primerica, Inc., offers financial products to middle-income households in the United States and Canada. The company is headquartered in Duluth, Georgia.

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