Aflac Incorporated (AFL)vsUnum Group (UNM)
AFL
Aflac Incorporated
$124.61
-1.62%
FINANCIAL SERVICES · Cap: $63.70B
UNM
Unum Group
$90.56
+0.84%
FINANCIAL SERVICES · Cap: $13.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 36% more annual revenue ($18.11B vs $13.35B). AFL leads profitability with a 25.6% profit margin vs 5.3%. UNM appears more attractively valued with a PEG of 1.03. AFL earns a higher WallStSmart Score of 79/100 (B+).
AFL
Strong Buy79
out of 100
Grade: B+
UNM
Buy55
out of 100
Grade: C
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
Reasonable price relative to book value
Areas to Watch
Grey zone — moderate risk
0.3% revenue growth
ROE of 7.2% — 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 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 : 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.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
AFL profiles as a growth stock while UNM is a value play — different risk/reward profiles.
AFL carries more volatility with a beta of 0.59 — 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 55/100), backed by strong 25.6% margins and 27.9% revenue growth. 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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