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

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

Company Profile

SymbolAFLCFG
Company NameAflac IncorporatedCitizens Financial Group, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceBanks
Market Capitalization56.53 billion USD20.94 billion USD
ExchangeNYSENYSE
Listing DateMarch 17, 1980September 24, 2014
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolAFLCFG
5-Day Price Return3.34%4.10%
13-Week Price Return0.12%16.73%
26-Week Price Return2.54%0.48%
52-Week Price Return4.46%22.91%
Month-to-Date Return6.38%1.74%
Year-to-Date Return2.18%10.95%
10-Day Avg. Volume2.79M4.24M
3-Month Avg. Volume2.32M5.19M
3-Month Volatility18.33%26.16%
Beta0.861.17

Profitability

Return on Equity (TTM)

AFL

9.33%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

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.

CFG

6.41%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

CFG’s Return on Equity of 6.41% 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. CFG: 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
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

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.

CFG

24.56%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

CFG’s Net Profit Margin of 24.56% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

AFL vs. CFG: 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
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

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

CFG

31.45%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

CFG’s Operating Profit Margin of 31.45% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolAFLCFG
Return on Equity (TTM)9.33%6.41%
Return on Assets (TTM)1.99%0.73%
Net Profit Margin (TTM)15.32%24.56%
Operating Profit Margin (TTM)21.35%31.45%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

AFL

0.11

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
Q1
0.15
Min
0.00

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

CFG

--

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. CFG: 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
0.22
Min
0.00

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

CFG

0.45

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

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

AFL vs. CFG: 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
20.84
Median
9.56
Q1
3.34
Min
-5.73

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

CFG

--

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

Financial Strength at a Glance

SymbolAFLCFG
Current Ratio (MRQ)0.11--
Quick Ratio (MRQ)0.11--
Debt-to-Equity Ratio (MRQ)0.330.45
Interest Coverage Ratio (TTM)33.57--

Growth

Revenue Growth

AFL vs. CFG: 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. CFG: 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

2.04%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

AFL’s Dividend Yield of 2.04% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

CFG

4.28%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

CFG’s Dividend Yield of 4.28% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

AFL vs. CFG: 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
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
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.

CFG

55.84%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

CFG’s Dividend Payout Ratio of 55.84% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

SymbolAFLCFG
Dividend Yield (TTM)2.04%4.28%
Dividend Payout Ratio (TTM)34.55%55.84%

Valuation

Price-to-Earnings Ratio (TTM)

AFL

23.06

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

A P/E Ratio of 23.06 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.

CFG

13.04

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

A P/E Ratio of 13.04 places CFG in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

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

Price-to-Sales Ratio (TTM)

AFL

3.53

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

AFL’s P/S Ratio of 3.53 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

CFG

1.48

Banks Industry

Max
5.06
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. CFG: 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
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

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.

CFG

0.77

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

CFG’s P/B Ratio of 0.77 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. CFG: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Valuation at a Glance

SymbolAFLCFG
Price-to-Earnings Ratio (TTM)23.0613.04
Price-to-Sales Ratio (TTM)3.531.48
Price-to-Book Ratio (MRQ)2.100.77
Price-to-Free Cash Flow Ratio (TTM)21.6915.00