Aflac Incorporated (AFL)vsGenworth Financial Inc (GNW)
AFL
Aflac Incorporated
$118.24
+2.56%
FINANCIAL SERVICES · Cap: $59.76B
GNW
Genworth Financial Inc
$9.17
+2.12%
FINANCIAL SERVICES · Cap: $3.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 148% more annual revenue ($18.11B vs $7.29B). AFL leads profitability with a 25.6% profit margin vs 3.0%. GNW appears more attractively valued with a PEG of 0.31. AFL earns a higher WallStSmart Score of 81/100 (A-).
AFL
Exceptional Buy81
out of 100
Grade: A-
GNW
Buy53
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
Growing faster than its price suggests
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Grey zone — moderate risk
ROE of 2.5% — below average capital efficiency
3.0% margin — thin
Revenue declined 0.5%
Earnings declined 8.4%
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 : 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 Altman Z-Score.
Bear Case : GNW
The primary concerns for GNW are Return on Equity, Profit Margin, Revenue Growth. Thin 3.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
AFL profiles as a growth stock while GNW is a value play — different risk/reward profiles.
GNW carries more volatility with a beta of 0.87 — 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 53/100), backed by strong 25.6% margins and 27.9% revenue growth. Both earn "Exceptional 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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