Aflac Incorporated (AFL)vsGenworth Financial Inc (GNW)
AFL
Aflac Incorporated
$107.21
+0.95%
FINANCIAL SERVICES · Cap: $56.19B
GNW
Genworth Financial Inc
$8.16
+0.87%
FINANCIAL SERVICES · Cap: $3.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 135% more annual revenue ($17.16B vs $7.30B). AFL leads profitability with a 21.2% profit margin vs 3.0%. GNW appears more attractively valued with a PEG of 0.31. GNW earns a higher WallStSmart Score of 64/100 (C+).
AFL
Buy63
out of 100
Grade: C+
GNW
Buy64
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
+64.2%
Fair Value
$25.27
Current Price
$8.16
$17.11 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
Growing faster than its price suggests
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 45.3% YoY
Areas to Watch
Weak financial health signals
Revenue declined 9.9%
Earnings declined 22.9%
Distress zone — elevated risk
0.1% revenue growth
ROE of 3.6% — below average capital efficiency
3.0% margin — thin
Operating margin of 2.4%
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 : GNW
The strongest argument for GNW centers on PEG Ratio, Price/Book, Debt/Equity. PEG of 0.31 suggests the stock is reasonably priced for its growth.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score, Revenue Growth, EPS Growth.
Bear Case : GNW
The primary concerns for GNW are Revenue Growth, Return on Equity, Profit Margin. Thin 3.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
AFL profiles as a declining stock while GNW is a value play — different risk/reward profiles.
GNW carries more volatility with a beta of 1.00 — expect wider price swings.
GNW is growing revenue faster at 0.1% — sustainability is the question.
AFL generates stronger free cash flow (315M), providing more financial flexibility.
Bottom Line
GNW scores higher overall (64/100 vs 63/100). 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.
Genworth Financial Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Genworth Financial, Inc. offers insurance products in the United States and internationally. The company is headquartered in Richmond, Virginia.
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