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

Updated on October 4, 2025

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

Company Profile

Symbol	AFL	C
Company Name	Aflac Incorporated	Citigroup Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Banks
Market Capitalization	59.23 billion USD	185.15 billion USD
Exchange	NYSE	NYSE
Listing Date	March 17, 1980	January 3, 1977
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of AFL and C 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. C: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	AFL	C
5-Day Price Return	1.16%	-3.33%
13-Week Price Return	4.70%	14.42%
26-Week Price Return	-0.03%	37.38%
52-Week Price Return	-0.94%	57.68%
Month-to-Date Return	-0.85%	-2.75%
Year-to-Date Return	7.07%	40.23%
10-Day Avg. Volume	2.78M	14.08M
3-Month Avg. Volume	2.50M	13.98M
3-Month Volatility	17.65%	22.69%
Beta	0.68	1.22

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.

C

6.72%

Banks Industry

Max: 25.40%
Q3: 15.55%
Median: 12.00%
Q1: 8.98%
Min: -0.10%

C’s Return on Equity of 6.72% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

AFL vs. C: A comparison of their Return on Equity (TTM) against their respective Insurance and Banks 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.

C

17.37%

Banks Industry

Max: 54.20%
Q3: 35.73%
Median: 28.97%
Q1: 22.56%
Min: 6.98%

Falling into the lower quartile for the Banks industry, C’s Net Profit Margin of 17.37% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

AFL vs. C: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Banks 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.

C

23.02%

Banks Industry

Max: 63.35%
Q3: 44.73%
Median: 37.24%
Q1: 28.25%
Min: 12.28%

C’s Operating Profit Margin of 23.02% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

Symbol	AFL	C
Return on Equity (TTM)	9.33%	6.72%
Return on Assets (TTM)	1.99%	0.57%
Net Profit Margin (TTM)	15.32%	17.37%
Operating Profit Margin (TTM)	21.35%	23.02%
Gross Profit Margin (TTM)	--	--

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.

C

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

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

AFL vs. C: A comparison of their Current Ratio (MRQ) against their respective Insurance and Banks 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.

C

3.38

Banks Industry

Max: 5.78
Q3: 2.66
Median: 1.05
Q1: 0.40
Min: 0.00

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

AFL vs. C: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Banks 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.

C

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

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

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

Financial Strength at a Glance

Symbol	AFL	C
Current Ratio (MRQ)	0.11	--
Quick Ratio (MRQ)	0.11	--
Debt-to-Equity Ratio (MRQ)	0.33	3.38
Interest Coverage Ratio (TTM)	33.57	--

Growth

Revenue Growth

AFL vs. C: 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. C: 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

1.92%

Insurance Industry

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

AFL’s Dividend Yield of 1.92% 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.

C

2.92%

Banks Industry

Max: 11.03%
Q3: 6.00%
Median: 3.87%
Q1: 2.41%
Min: 0.00%

C’s Dividend Yield of 2.92% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

AFL vs. C: A comparison of their Dividend Yield (TTM) against their respective Insurance and Banks 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.

C

37.43%

Banks Industry

Max: 134.24%
Q3: 79.39%
Median: 55.09%
Q1: 36.09%
Min: 0.00%

C’s Dividend Payout Ratio of 37.43% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	AFL	C
Dividend Yield (TTM)	1.92%	2.92%
Dividend Payout Ratio (TTM)	34.55%	37.43%

Valuation

Price-to-Earnings Ratio (TTM)

AFL

24.42

Insurance Industry

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

A P/E Ratio of 24.42 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.

C

12.83

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

C’s P/E Ratio of 12.83 is within the middle range for the Banks 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. C: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

AFL

3.74

Insurance Industry

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

With a P/S Ratio of 3.74, 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.

C

1.10

Banks Industry

Max: 4.90
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

AFL vs. C: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Banks 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.

C

0.73

Banks Industry

Max: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

C’s P/B Ratio of 0.73 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

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

Valuation at a Glance

Symbol	AFL	C
Price-to-Earnings Ratio (TTM)	24.42	12.83
Price-to-Sales Ratio (TTM)	3.74	1.10
Price-to-Book Ratio (MRQ)	2.10	0.73
Price-to-Free Cash Flow Ratio (TTM)	22.97	7.87