Aflac Incorporated (AFL)vsUnum Group (UNM)
AFL
Aflac Incorporated
$113.10
-0.44%
FINANCIAL SERVICES · Cap: $57.57B
UNM
Unum Group
$80.88
+0.70%
FINANCIAL SERVICES · Cap: $12.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 36% more annual revenue ($18.11B vs $13.34B). AFL leads profitability with a 25.6% profit margin vs 5.9%. UNM appears more attractively valued with a PEG of 1.03. AFL earns a higher WallStSmart Score of 81/100 (A-).
AFL
Exceptional Buy81
out of 100
Grade: A-
UNM
Strong Buy70
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.6%
Reasonable price relative to book value
Attractively priced relative to earnings
Earnings expanding 33.0% YoY
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
ROE of 7.1% — below average capital efficiency
5.9% 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, P/E Ratio, EPS Growth. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score, Altman Z-Score.
Bear Case : UNM
The primary concerns for UNM are Return on Equity, Profit Margin, Piotroski F-Score.
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 0.62 — 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 70/100), backed by strong 25.6% margins and 27.9% revenue growth. Both earn "Exceptional 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.
Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
Visit Website →Compare with Other INSURANCE - LIFE Stocks
Want to dig deeper into these stocks?