Aflac Incorporated (AFL)vsPrimerica Inc (PRI)
AFL
Aflac Incorporated
$128.67
-0.68%
FINANCIAL SERVICES · Cap: $62.90B
PRI
Primerica Inc
$323.43
+0.56%
FINANCIAL SERVICES · Cap: $9.68B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 430% more annual revenue ($18.11B vs $3.42B). AFL leads profitability with a 25.6% profit margin vs 22.6%. PRI appears more attractively valued with a PEG of 1.07. AFL earns a higher WallStSmart Score of 79/100 (B+).
AFL
Strong Buy79
out of 100
Grade: B+
PRI
Strong Buy73
out of 100
Grade: B
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
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 31 in profit
Strong operational efficiency at 30.3%
Keeps 23 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Grey zone — moderate risk
Distress zone — elevated risk
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 : PRI
The strongest argument for PRI centers on Return on Equity, Operating Margin, Profit Margin. Profitability is solid with margins at 22.6% and operating margin at 30.3%. 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.
Bear Case : PRI
The primary concerns for PRI are Altman Z-Score.
Key Dynamics to Monitor
AFL profiles as a growth stock while PRI is a mature play — different risk/reward profiles.
PRI carries more volatility with a beta of 0.88 — 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 (79/100 vs 73/100), backed by strong 25.6% margins and 27.9% revenue growth. 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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