Seek Returns

AFL vs. ALL: Aflac vs. Allstate Stock Comparison

How do Aflac (AFL) and Allstate (ALL) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Aflac (AFL) and Allstate (ALL) both belong to the Insurance industry, though AFL is classified under Life & Health Insurance while ALL falls under Property & Casualty Insurance.

Company profile comparison for Aflac (AFL) and Allstate (ALL)
Profile ItemAFLALL
NameAflac IncorporatedThe Allstate Corporation
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryLife & Health InsuranceProperty & Casualty Insurance
Market Capitalization61.36 billion USD63.05 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980June 3, 1993
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFL
ALL
GSPC
Loading price history…
Aflac (AFL) vs. Allstate (ALL), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…
Trailing total returns for Aflac (AFL) and Allstate (ALL). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Aflac (AFL) and Allstate (ALL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Aflac (AFL) and Allstate (ALL)
MetricAFLALL
Total Return (1Y)12.21%27.36%
Total Return (3Y, Annualized)18.21%27.71%
Total Return (5Y, Annualized)20.06%19.82%

Risk Profile

Drawdown History

AFL
ALL
GSPC
Loading price history…
Aflac (AFL) vs. Allstate (ALL), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…
Distribution of monthly total returns for Aflac (AFL) and Allstate (ALL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Aflac (AFL) and Allstate (ALL)
MetricAFLALL
Volatility (1Y, Annualized)17.13%25.96%
Beta (5Y)0.550.13
Max Drawdown (5Y)-19.86%-27.35%
Avg. Volume (3M)1.93M1.91M

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
AFL and ALL are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Aflac (AFL) and Allstate (ALL)
MetricAFLALL
Sharpe Ratio (1Y)0.460.89
Sortino Ratio (1Y)0.681.28

Profitability

ROE (TTM)

Allstate (ALL) at 38.93% sits in the top ROE quartile, while Aflac (AFL) at 12.17% is closer to the peer norm — stronger capital efficiency for ALL.

AFL

Insurance industry group

12.17%

Max
41.68%
Q3
22.04%
Median
14.81%
AFL
12.17%
Q1
8.79%
Min
-10.66%

ALL

Insurance industry group

38.93%

Max
41.68%
ALL
38.93%
Q3
22.04%
Median
14.81%
Q1
8.79%
Min
-10.66%
Loading chart…
Aflac (AFL) vs. Allstate (ALL): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Aflac (AFL) at 21.24% retains a top-quartile share of revenue as profit, ahead of Allstate (ALL) at 16.57%, which keeps about the industry-typical share.

AFL

Insurance industry group

21.24%

Max
29.92%
AFL
21.24%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%

ALL

Insurance industry group

16.57%

Max
29.92%
Q3
17.03%
ALL
16.57%
Median
10.97%
Q1
6.21%
Min
-4.68%
Loading chart…
Aflac (AFL) vs. Allstate (ALL): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Aflac (AFL) in Insurance and Allstate (ALL) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Aflac (AFL) and Allstate (ALL)
MetricAFLALL
ROE (TTM)12.17%38.93%
ROA (TTM)2.39%7.68%
Net Margin (TTM)21.24%16.57%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Allstate (ALL) at 5.60% is around its peer norm for revenue growth, while Aflac (AFL) at -9.27% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Loading chart…
Aflac (AFL) vs. Allstate (ALL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Allstate (ALL) at 124.01% sits in the top EPS growth quartile, while Aflac (AFL) at -29.18% is in the bottom quartile, showing a clear gap in earnings momentum.

Loading chart…
Aflac (AFL) vs. Allstate (ALL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Aflac (AFL) and Allstate (ALL)
MetricAFLALL
Revenue Growth (YoY)-9.27%5.60%
Revenue Growth (3Y CAGR)-3.23%9.84%
EPS Growth (YoY)-29.18%124.01%
EPS Growth (3Y CAGR)-0.53%--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Aflac (AFL) in Insurance and Allstate (ALL) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Aflac (AFL) in Insurance and Allstate (ALL) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Aflac (AFL) and Allstate (ALL)
MetricAFLALL
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Aflac (AFL) at 1.91% and Allstate (ALL) at 1.59% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

AFL

Insurance industry group

1.91%

Max
5.12%
Q3
2.15%
AFL
1.91%
Median
0.98%
Q1
0.00%
Min
0.00%

ALL

Insurance industry group

1.59%

Max
5.12%
Q3
2.15%
ALL
1.59%
Median
0.98%
Q1
0.00%
Min
0.00%
Loading chart…
Aflac (AFL) vs. Allstate (ALL): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Aflac (AFL) at 35.18% and Allstate (ALL) at 9.62% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

AFL

Insurance industry group

35.18%

Max
76.67%
AFL
35.18%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%

ALL

Insurance industry group

9.62%

Max
76.67%
Q3
35.18%
Median
14.74%
ALL
9.62%
Q1
0.00%
Min
0.00%
Loading chart…
Aflac (AFL) vs. Allstate (ALL): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Aflac (AFL) and Allstate (ALL)
MetricAFLALL
Dividend Yield (TTM)1.91%1.59%
Dividend Payout Ratio (TTM)35.18%9.62%

Valuation

P/E Ratio (TTM)

Allstate (ALL) at 5.78 sits in the cheaper P/E ratio quartile, while Aflac (AFL) at 18.11 is closer to its industry’s usual earnings multiple — a discount for ALL, though growth and earnings durability still matter.

AFL

Insurance industry group

18.11

Max
28.37
Q3
18.75
AFL
18.11
Median
12.23
Q1
9.08
Min
2.32

ALL

Insurance industry group

5.78

Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
ALL
5.78
Min
2.32
Loading chart…
Aflac (AFL) vs. Allstate (ALL): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

Allstate (ALL) at 0.90 is priced about in line with its industry on P/S ratio, while Aflac (AFL) at 3.70 sits in the pricier quartile — AFL costs more per dollar of sales.

AFL

Insurance industry group

3.70

Max
4.03
AFL
3.70
Q3
2.25
Median
1.23
Q1
0.85
Min
0.07

ALL

Insurance industry group

0.90

Max
4.03
Q3
2.25
Median
1.23
ALL
0.90
Q1
0.85
Min
0.07
Loading chart…
Aflac (AFL) vs. Allstate (ALL): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Aflac (AFL) at 2.10 and Allstate (ALL) at 2.09 are valued close to their industries’ norm against book — neither stands out from peers.

AFL

Insurance industry group

2.10

Max
5.07
Q3
2.79
AFL
2.10
Median
1.76
Q1
1.23
Min
0.30

ALL

Insurance industry group

2.09

Max
5.07
Q3
2.79
ALL
2.09
Median
1.76
Q1
1.23
Min
0.30
Loading chart…
Aflac (AFL) vs. Allstate (ALL): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Aflac (AFL) and Allstate (ALL)
MetricAFLALL
P/E Ratio (TTM)18.115.78
P/S Ratio (TTM)3.700.90
P/B Ratio (MRQ)2.102.09
Free Cash Flow Yield (TTM)----