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AFL vs. AON: Aflac vs. Aon Stock Comparison

How do Aflac (AFL) and Aon (AON) 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 Aon (AON) both belong to the Insurance industry, though AFL is classified under Life & Health Insurance while AON falls under Insurance Brokers.

Company profile comparison for Aflac (AFL) and Aon (AON)
Profile ItemAFLAON
NameAflac IncorporatedAon plc Class A
Country/RegionUnited StatesIreland
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryLife & Health InsuranceInsurance Brokers
Market Capitalization61.36 billion USD71.03 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980June 2, 1980
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFL
AON
GSPC
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Aflac (AFL) vs. Aon (AON), 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

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Trailing total returns for Aflac (AFL) and Aon (AON). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Aflac (AFL) and Aon (AON). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Aflac (AFL) and Aon (AON)
MetricAFLAON
Total Return (1Y)12.21%-1.97%
Total Return (3Y, Annualized)18.21%1.25%
Total Return (5Y, Annualized)20.06%3.28%

Risk Profile

Drawdown History

AFL
AON
GSPC
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Aflac (AFL) vs. Aon (AON), 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

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Distribution of monthly total returns for Aflac (AFL) and Aon (AON). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Aflac (AFL) and Aon (AON)
MetricAFLAON
Volatility (1Y, Annualized)17.13%29.20%
Beta (5Y)0.550.60
Max Drawdown (5Y)-19.86%-33.57%
Avg. Volume (3M)1.93M1.64M

Risk-Adjusted Performance

Risk-Return Positioning

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AFL and AON 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 Aon (AON)
MetricAFLAON
Sharpe Ratio (1Y)0.46-0.21
Sortino Ratio (1Y)0.68-0.29

Profitability

ROE (TTM)

Aon (AON) at 43.38% clears its industry range for ROE, a sharper capital-efficiency signal than Aflac (AFL) at 12.17%, which is closer to a typical peer reading.

AFL

Insurance industry group

12.17%

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

AON

Insurance industry group

43.38%

AON
43.38%
Max
41.68%
Q3
22.04%
Median
14.81%
Q1
8.79%
Min
-10.66%
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Aflac (AFL) vs. Aon (AON): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

For every dollar of sales, both Aflac (AFL) at 21.24% and Aon (AON) at 22.24% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

AFL

Insurance industry group

21.24%

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

AON

Insurance industry group

22.24%

Max
29.92%
AON
22.24%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Aflac (AFL) vs. Aon (AON): 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 Aon (AON) 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 Aon (AON)
MetricAFLAON
ROE (TTM)12.17%43.38%
ROA (TTM)2.39%5.45%
Net Margin (TTM)21.24%22.24%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Aon (AON) at 9.45% 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.

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Aflac (AFL) vs. Aon (AON): A comparison of their Revenue Growth across different time periods.

EPS Growth

Aon (AON) at 36.27% is around its peer norm for EPS growth, while Aflac (AFL) at -29.18% drops into the bottom quartile, signaling weaker earnings momentum.

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Aflac (AFL) vs. Aon (AON): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Aflac (AFL) and Aon (AON)
MetricAFLAON
Revenue Growth (YoY)-9.27%9.45%
Revenue Growth (3Y CAGR)-3.23%11.25%
EPS Growth (YoY)-29.18%36.27%
EPS Growth (3Y CAGR)-0.53%11.92%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Aflac (AFL) in Insurance and Aon (AON) 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 Aon (AON) 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 Aon (AON)
MetricAFLAON
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Aflac (AFL) at 1.91% and Aon (AON) at 0.91% 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%

AON

Insurance industry group

0.91%

Max
5.12%
Q3
2.15%
Median
0.98%
AON
0.91%
Q1
0.00%
Min
0.00%
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Aflac (AFL) vs. Aon (AON): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Aflac (AFL) at 35.18% and Aon (AON) at 17.13% 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%

AON

Insurance industry group

17.13%

Max
76.67%
Q3
35.18%
AON
17.13%
Median
14.74%
Q1
0.00%
Min
0.00%
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Aflac (AFL) vs. Aon (AON): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Aflac (AFL) and Aon (AON)
MetricAFLAON
Dividend Yield (TTM)1.91%0.91%
Dividend Payout Ratio (TTM)35.18%17.13%

Valuation

P/E Ratio (TTM)

Both Aflac (AFL) at 18.11 and Aon (AON) at 18.33 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

AFL

Insurance industry group

18.11

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

AON

Insurance industry group

18.33

Max
28.37
Q3
18.75
AON
18.33
Median
12.23
Q1
9.08
Min
2.32
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Aflac (AFL) vs. Aon (AON): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

Both Aflac (AFL) at 3.70 and Aon (AON) at 4.02 command a richer price per dollar of sales than most peers, sitting in the upper P/S ratio quartile of their industries.

AFL

Insurance industry group

3.70

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

AON

Insurance industry group

4.02

Max
4.03
AON
4.02
Q3
2.25
Median
1.23
Q1
0.85
Min
0.07
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Aflac (AFL) vs. Aon (AON): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Aflac (AFL) at 2.10 sits near its industry’s typical P/B ratio, while Aon (AON) at 7.03 prices above its benchmark range — AON looks rich relative to book.

AFL

Insurance industry group

2.10

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

AON

Insurance industry group

7.03

AON
7.03
Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
Min
0.30
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Aflac (AFL) vs. Aon (AON): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Aflac (AFL) and Aon (AON)
MetricAFLAON
P/E Ratio (TTM)18.1118.33
P/S Ratio (TTM)3.704.02
P/B Ratio (MRQ)2.107.03
Free Cash Flow Yield (TTM)----