Aflac Incorporated (AFL)vsPrimerica Inc (PRI)
AFL
Aflac Incorporated
$115.28
+0.71%
FINANCIAL SERVICES · Cap: $57.79B
PRI
Primerica Inc
$292.44
+1.18%
FINANCIAL SERVICES · Cap: $8.94B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 418% more annual revenue ($18.07B vs $3.49B). AFL leads profitability with a 26.9% profit margin vs 22.8%. PRI appears more attractively valued with a PEG of 1.07. PRI earns a higher WallStSmart Score of 73/100 (B).
AFL
Strong Buy73
out of 100
Grade: B
PRI
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.7%
Attractively priced relative to earnings
Every $100 of equity generates 31 in profit
Strong operational efficiency at 31.5%
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Grey zone — moderate risk
Revenue declined 1.0%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AFL
The strongest argument for AFL centers on Market Cap, Profit Margin, Debt/Equity. Profitability is solid with margins at 26.9% and operating margin at 25.7%. 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 22.8% and operating margin at 31.5%. PEG of 1.07 suggests the stock is reasonably priced for its growth.
Bear Case : AFL
The primary concerns for AFL are Altman Z-Score, Revenue 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 0.85 — expect wider price swings.
PRI is growing revenue faster at 8.7% — sustainability is the question.
PRI generates stronger free cash flow (167M), providing more financial flexibility.
Bottom Line
AFL scores higher overall (73/100 vs 73/100), backed by strong 26.9% margins. Both earn "Strong 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.
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.
Compare with Other INSURANCE - LIFE Stocks
Want to dig deeper into these stocks?