Aflac Incorporated (AFL)vsSecurity National Financial (SNFCA)
AFL
Aflac Incorporated
$107.21
+0.95%
FINANCIAL SERVICES · Cap: $56.19B
SNFCA
Security National Financial
$9.24
-0.96%
FINANCIAL SERVICES · Cap: $242.77M
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 4881% more annual revenue ($17.16B vs $344.59M). AFL leads profitability with a 21.2% profit margin vs 9.3%. SNFCA trades at a lower P/E of 7.4x. AFL earns a higher WallStSmart Score of 63/100 (C+).
AFL
Buy63
out of 100
Grade: C+
SNFCA
Buy60
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
Margin of Safety
+84.1%
Fair Value
$58.97
Current Price
$9.24
$49.73 discount
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 22.2%
Areas to Watch
Weak financial health signals
Revenue declined 9.9%
Earnings declined 22.9%
Distress zone — elevated risk
4.7% revenue growth
4.1% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
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 : SNFCA
The strongest argument for SNFCA centers on P/E Ratio, Price/Book, Operating Margin.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score, Revenue Growth, EPS Growth.
Bear Case : SNFCA
The primary concerns for SNFCA are Revenue Growth, EPS Growth, Market Cap.
Key Dynamics to Monitor
AFL profiles as a declining stock while SNFCA is a value play — different risk/reward profiles.
SNFCA carries more volatility with a beta of 0.74 — expect wider price swings.
SNFCA is growing revenue faster at 4.7% — sustainability is the question.
AFL generates stronger free cash flow (315M), providing more financial flexibility.
Bottom Line
AFL scores higher overall (63/100 vs 60/100), backed by strong 21.2% margins. SNFCA offers better value entry with a 84.1% margin of safety. 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.
Security National Financial
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Security National Financial Corporation is engaged in the life, cemetery and mortuary, and mortgage insurance businesses. The company is headquartered in Draper, Utah.
Visit Website →Compare with Other INSURANCE - LIFE Stocks
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