Aflac Incorporated (AFL)vsSecurity National Financial (SNFCA)
AFL
Aflac Incorporated
$118.24
+2.56%
FINANCIAL SERVICES · Cap: $57.84B
SNFCA
Security National Financial
$9.64
+2.44%
FINANCIAL SERVICES · Cap: $252.05M
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 5202% more annual revenue ($18.11B vs $341.58M). AFL leads profitability with a 25.6% profit margin vs 9.6%. SNFCA trades at a lower P/E of 7.6x. AFL earns a higher WallStSmart Score of 81/100 (A-).
AFL
Exceptional Buy81
out of 100
Grade: A-
SNFCA
Hold47
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 3860.0% YoY
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Keeps 26 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
Conservative balance sheet, low leverage
Areas to Watch
Weak financial health signals
Smaller company, higher risk/reward
Revenue declined 3.6%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AFL
The strongest argument for AFL centers on EPS Growth, Market Cap, Return on Equity. Profitability is solid with margins at 25.6% and operating margin at 29.6%. Revenue growth of 27.9% demonstrates continued momentum.
Bull Case : SNFCA
The strongest argument for SNFCA centers on P/E Ratio, Price/Book, Debt/Equity.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score.
Bear Case : SNFCA
The primary concerns for SNFCA are Market Cap, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
AFL profiles as a growth stock while SNFCA is a value play — different risk/reward profiles.
SNFCA carries more volatility with a beta of 0.70 — 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 (81/100 vs 47/100), backed by strong 25.6% margins and 27.9% revenue growth. Both earn "Exceptional 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.
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.
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