Aflac Incorporated (AFL)vsUnum Group (UNM)
AFL
Aflac Incorporated
$114.60
-0.50%
FINANCIAL SERVICES · Cap: $57.79B
UNM
Unum Group
$93.32
-0.26%
FINANCIAL SERVICES · Cap: $14.81B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 35% more annual revenue ($18.07B vs $13.35B). AFL leads profitability with a 26.9% profit margin vs 5.3%. UNM appears more attractively valued with a PEG of 1.03. AFL earns a higher WallStSmart Score of 73/100 (B).
AFL
Strong Buy73
out of 100
Grade: B
UNM
Buy55
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.7%
Reasonable price relative to book value
Areas to Watch
Grey zone — moderate risk
Revenue declined 1.0%
0.3% revenue growth
ROE of 6.5% — below average capital efficiency
5.3% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull 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 : UNM
The strongest argument for UNM centers on Price/Book. PEG of 1.03 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 : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
AFL profiles as a declining stock while UNM is a value play — different risk/reward profiles.
AFL carries more volatility with a beta of 0.58 — expect wider price swings.
UNM is growing revenue faster at 0.3% — sustainability is the question.
UNM generates stronger free cash flow (474M), providing more financial flexibility.
Bottom Line
AFL scores higher overall (73/100 vs 55/100), backed by strong 26.9% 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.
Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
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