Aflac Incorporated (AFL)vsPrimerica Inc (PRI)
AFL
Aflac Incorporated
$107.21
+0.95%
FINANCIAL SERVICES · Cap: $56.19B
PRI
Primerica Inc
$251.89
+0.39%
FINANCIAL SERVICES · Cap: $7.94B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 412% more annual revenue ($17.16B vs $3.35B). PRI leads profitability with a 22.4% profit margin vs 21.2%. PRI appears more attractively valued with a PEG of 1.07. PRI earns a higher WallStSmart Score of 75/100 (B+).
AFL
Buy63
out of 100
Grade: C+
PRI
Strong Buy75
out of 100
Grade: B+
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
+75.1%
Fair Value
$1017.20
Current Price
$251.89
$765.31 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
Attractively priced relative to earnings
Every $100 of equity generates 32 in profit
Strong operational efficiency at 30.8%
Keeps 22 of every $100 in revenue as profit
Earnings expanding 23.5% YoY
Areas to Watch
Weak financial health signals
Revenue declined 9.9%
Earnings declined 22.9%
Distress zone — elevated risk
Distress zone — elevated risk
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 : PRI
The strongest argument for PRI centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 22.4% and operating margin at 30.8%. PEG of 1.07 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 : PRI
The primary concerns for PRI are Altman Z-Score.
Key Dynamics to Monitor
AFL profiles as a declining stock while PRI is a mature play — different risk/reward profiles.
PRI carries more volatility with a beta of 0.92 — expect wider price swings.
PRI is growing revenue faster at 8.0% — sustainability is the question.
PRI generates stronger free cash flow (326M), providing more financial flexibility.
Bottom Line
PRI scores higher overall (75/100 vs 63/100), backed by strong 22.4% 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.
Primerica Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Primerica, Inc., offers financial products to middle-income households in the United States and Canada. The company is headquartered in Duluth, Georgia.
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