AFL vs. AMP: A Head-to-Head Stock Comparison

Updated on October 9, 2025

Here’s a clear look at AFL and AMP, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	AFL	AMP
Company Name	Aflac Incorporated	Ameriprise Financial, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Capital Markets
Market Capitalization	60.47 billion USD	46.55 billion USD
Exchange	NYSE	NYSE
Listing Date	March 17, 1980	September 15, 2005
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of AFL and AMP by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

AFL vs. AMP: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	AFL	AMP
5-Day Price Return	1.23%	0.52%
13-Week Price Return	9.90%	-7.94%
26-Week Price Return	0.55%	1.05%
52-Week Price Return	-0.41%	2.98%
Month-to-Date Return	1.23%	0.52%
Year-to-Date Return	9.31%	-7.25%
10-Day Avg. Volume	1.99M	0.48M
3-Month Avg. Volume	2.50M	0.47M
3-Month Volatility	17.26%	21.33%
Beta	0.68	1.30

Profitability

Return on Equity (TTM)

AFL

9.33%

Insurance Industry

Max: 30.96%
Q3: 18.76%
Median: 14.22%
Q1: 10.34%
Min: 1.73%

AFL’s Return on Equity of 9.33% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

AMP

57.46%

Capital Markets Industry

Max: 38.97%
Q3: 22.24%
Median: 13.52%
Q1: 8.61%
Min: -4.25%

AMP’s Return on Equity of 57.46% is exceptionally high, placing it well beyond the typical range for the Capital Markets industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

AFL vs. AMP: A comparison of their Return on Equity (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Net Profit Margin (TTM)

AFL

15.32%

Insurance Industry

Max: 26.78%
Q3: 14.69%
Median: 9.87%
Q1: 6.59%
Min: -3.51%

A Net Profit Margin of 15.32% places AFL in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

AMP

17.74%

Capital Markets Industry

Max: 69.91%
Q3: 37.24%
Median: 24.30%
Q1: 13.06%
Min: -15.18%

AMP’s Net Profit Margin of 17.74% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

AFL vs. AMP: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Operating Profit Margin (TTM)

AFL

21.35%

Insurance Industry

Max: 34.52%
Q3: 20.17%
Median: 14.46%
Q1: 9.62%
Min: -2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

AMP

29.61%

Capital Markets Industry

Max: 84.86%
Q3: 47.16%
Median: 32.23%
Q1: 18.65%
Min: -21.87%

AMP’s Operating Profit Margin of 29.61% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

AFL vs. AMP: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Profitability at a Glance

Symbol	AFL	AMP
Return on Equity (TTM)	9.33%	57.46%
Return on Assets (TTM)	1.99%	1.76%
Net Profit Margin (TTM)	15.32%	17.74%
Operating Profit Margin (TTM)	21.35%	29.61%
Gross Profit Margin (TTM)	--	51.86%

Financial Strength

Current Ratio (MRQ)

AFL

0.11

Insurance Industry

Max: 2.97
Q3: 1.37
Median: 0.54
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

AMP

0.62

Capital Markets Industry

Max: 3.37
Q3: 1.81
Median: 1.01
Q1: 0.56
Min: 0.04

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

AFL vs. AMP: A comparison of their Current Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

AFL

0.33

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.23
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

AMP

6.67

Capital Markets Industry

Max: 6.52
Q3: 2.79
Median: 0.96
Q1: 0.28
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

AFL vs. AMP: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Interest Coverage Ratio (TTM)

AFL

33.57

Insurance Industry

Max: 43.68
Q3: 21.45
Median: 9.67
Q1: 3.55
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

AMP

5.46

Capital Markets Industry

Max: 107.59
Q3: 48.41
Median: 10.85
Q1: 4.56
Min: -36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

AFL vs. AMP: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Financial Strength at a Glance

Symbol	AFL	AMP
Current Ratio (MRQ)	0.11	0.62
Quick Ratio (MRQ)	0.11	0.62
Debt-to-Equity Ratio (MRQ)	0.33	6.67
Interest Coverage Ratio (TTM)	33.57	5.46

Growth

Revenue Growth

AFL vs. AMP: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

AFL vs. AMP: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

AFL

1.89%

Insurance Industry

Max: 9.80%
Q3: 5.18%
Median: 3.58%
Q1: 2.07%
Min: 0.00%

AFL’s Dividend Yield of 1.89% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

AMP

1.26%

Capital Markets Industry

Max: 9.02%
Q3: 4.54%
Median: 2.55%
Q1: 1.27%
Min: 0.00%

AMP’s Dividend Yield of 1.26% is in the lower quartile for the Capital Markets industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

AFL vs. AMP: A comparison of their Dividend Yield (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

AFL

34.55%

Insurance Industry

Max: 169.40%
Q3: 85.57%
Median: 53.26%
Q1: 23.68%
Min: 0.00%

AFL’s Dividend Payout Ratio of 34.55% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

AMP

18.14%

Capital Markets Industry

Max: 199.38%
Q3: 99.28%
Median: 60.67%
Q1: 32.00%
Min: 0.00%

AMP’s Dividend Payout Ratio of 18.14% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

AFL vs. AMP: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Dividend at a Glance

Symbol	AFL	AMP
Dividend Yield (TTM)	1.89%	1.26%
Dividend Payout Ratio (TTM)	34.55%	18.14%

Valuation

Price-to-Earnings Ratio (TTM)

AFL

24.78

Insurance Industry

Max: 30.75
Q3: 18.11
Median: 12.67
Q1: 9.66
Min: 2.87

A P/E Ratio of 24.78 places AFL in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

AMP

14.44

Capital Markets Industry

Max: 51.69
Q3: 29.42
Median: 17.58
Q1: 12.55
Min: 5.59

AMP’s P/E Ratio of 14.44 is within the middle range for the Capital Markets industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

AFL vs. AMP: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

AFL

3.80

Insurance Industry

Max: 3.41
Q3: 1.88
Median: 1.22
Q1: 0.80
Min: 0.23

With a P/S Ratio of 3.80, AFL trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

AMP

2.56

Capital Markets Industry

Max: 14.65
Q3: 7.29
Median: 4.53
Q1: 2.26
Min: 0.04

AMP’s P/S Ratio of 2.56 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

AFL vs. AMP: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Price-to-Book Ratio (MRQ)

AFL

2.10

Insurance Industry

Max: 4.57
Q3: 2.56
Median: 1.88
Q1: 1.20
Min: 0.17

AFL’s P/B Ratio of 2.10 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

AMP

8.36

Capital Markets Industry

Max: 10.83
Q3: 5.12
Median: 2.66
Q1: 1.19
Min: 0.37

AMP’s P/B Ratio of 8.36 is in the upper tier for the Capital Markets industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

AFL vs. AMP: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Valuation at a Glance

Symbol	AFL	AMP
Price-to-Earnings Ratio (TTM)	24.78	14.44
Price-to-Sales Ratio (TTM)	3.80	2.56
Price-to-Book Ratio (MRQ)	2.10	8.36
Price-to-Free Cash Flow Ratio (TTM)	23.31	6.95