AFL vs. EG: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFL and EG, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
AFL’s market capitalization of 56.54 billion USD is substantially larger than EG’s 14.35 billion USD, indicating a significant difference in their market valuations.
AFL’s beta of 0.81 points to significantly higher volatility compared to EG (beta: 0.52), suggesting AFL has greater potential for both gains and losses relative to market movements.
| Symbol | AFL | EG |
|---|---|---|
| Company Name | Aflac Incorporated | Everest Re Group, Ltd. |
| Country | US | BM |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Life | Insurance - Reinsurance |
| CEO | Daniel Paul Amos | Mark Kociancic |
| Price | 104.57 USD | 337.48 USD |
| Market Cap | 56.54 billion USD | 14.35 billion USD |
| Beta | 0.81 | 0.52 |
| Exchange | NYSE | NYSE |
| IPO Date | March 17, 1980 | October 3, 1995 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AFL and EG 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.
Profitability
Return on Equity
AFL
13.91%
Insurance - Life Industry
- Max
- 23.38%
- Q3
- 14.56%
- Median
- 11.23%
- Q1
- 1.67%
- Min
- -5.23%
AFL’s Return on Equity of 13.91% is on par with the norm for the Insurance - Life industry, indicating its profitability relative to shareholder equity is typical for the sector.
EG
5.91%
Insurance - Reinsurance Industry
- Max
- 18.30%
- Q3
- 14.16%
- Median
- 8.39%
- Q1
- 7.08%
- Min
- 5.91%
EG’s Return on Equity of 5.91% is in the lower quartile for the Insurance - Reinsurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
Return on Invested Capital
AFL
2.99%
Insurance - Life Industry
- Max
- 6.30%
- Q3
- 3.33%
- Median
- 2.16%
- Q1
- 0.68%
- Min
- -0.10%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Life industry.
EG
7.42%
Insurance - Reinsurance Industry
- Max
- 126.30%
- Q3
- 60.66%
- Median
- 7.25%
- Q1
- 3.18%
- Min
- 0.62%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Reinsurance industry.
Net Profit Margin
AFL
21.03%
Insurance - Life Industry
- Max
- 21.20%
- Q3
- 11.59%
- Median
- 7.10%
- Q1
- 3.79%
- Min
- 2.14%
A Net Profit Margin of 21.03% places AFL in the upper quartile for the Insurance - Life industry, signifying strong profitability and more effective cost management than most of its peers.
EG
4.89%
Insurance - Reinsurance Industry
- Max
- 21.27%
- Q3
- 12.90%
- Median
- 9.40%
- Q1
- 5.62%
- Min
- 3.77%
Falling into the lower quartile for the Insurance - Reinsurance industry, EG’s Net Profit Margin of 4.89% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
Operating Profit Margin
AFL
25.70%
Insurance - Life Industry
- Max
- 38.96%
- Q3
- 37.28%
- Median
- 14.06%
- Q1
- 8.95%
- Min
- -1.68%
In the Insurance - Life industry, Operating Profit Margin is often not the primary measure of operational efficiency.
EG
4.12%
Insurance - Reinsurance Industry
- Max
- 17.83%
- Q3
- 15.41%
- Median
- 8.11%
- Q1
- 5.86%
- Min
- 4.12%
EG’s Operating Profit Margin of 4.12% is in the lower quartile for the Insurance - Reinsurance industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
Profitability at a Glance
| Symbol | AFL | EG |
|---|---|---|
| Return on Equity (TTM) | 13.91% | 5.91% |
| Return on Assets (TTM) | 2.99% | 1.46% |
| Return on Invested Capital (TTM) | 2.99% | 7.42% |
| Net Profit Margin (TTM) | 21.03% | 4.89% |
| Operating Profit Margin (TTM) | 25.70% | 4.12% |
| Gross Profit Margin (TTM) | 79.82% | 100.00% |
Financial Strength
Current Ratio
AFL
--
Insurance - Life Industry
- Max
- 843.97
- Q3
- 821.68
- Median
- 6.06
- Q1
- 3.15
- Min
- 0.47
Current Ratio data for AFL is currently unavailable.
EG
9.00
Insurance - Reinsurance Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
EG has a Current Ratio of 9.00, but industry benchmarks for the Insurance - Reinsurance sector are currently unavailable for comparison.
Debt-to-Equity Ratio
AFL
0.29
Insurance - Life Industry
- Max
- 0.86
- Q3
- 0.83
- Median
- 0.55
- Q1
- 0.37
- Min
- 0.27
Falling into the lower quartile for the Insurance - Life industry, AFL’s Debt-to-Equity Ratio of 0.29 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
EG
--
Insurance - Reinsurance Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
Debt-to-Equity Ratio data for EG is currently unavailable.
Interest Coverage Ratio
AFL
21.96
Insurance - Life Industry
- Max
- 37.82
- Q3
- 19.50
- Median
- 6.25
- Q1
- 2.29
- Min
- -0.76
AFL’s Interest Coverage Ratio of 21.96 is in the upper quartile for the Insurance - Life industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.
EG
4.77
Insurance - Reinsurance Industry
- Max
- 22.46
- Q3
- 18.27
- Median
- 5.57
- Q1
- 4.93
- Min
- 3.41
In the lower quartile for the Insurance - Reinsurance industry, EG’s Interest Coverage Ratio of 4.77 indicates a tighter cushion for servicing debt, suggesting less financial flexibility than many of its competitors.
Financial Strength at a Glance
| Symbol | AFL | EG |
|---|---|---|
| Current Ratio (TTM) | -- | 9.00 |
| Quick Ratio (TTM) | -- | 9.00 |
| Debt-to-Equity Ratio (TTM) | 0.29 | -- |
| Debt-to-Asset Ratio (TTM) | 0.06 | -- |
| Net Debt-to-EBITDA Ratio (TTM) | 0.57 | -71.23 |
| Interest Coverage Ratio (TTM) | 21.95 | 4.77 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AFL and EG. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AFL
2.07%
Insurance - Life Industry
- Max
- 10.36%
- Q3
- 4.76%
- Median
- 2.40%
- Q1
- 1.51%
- Min
- 0.00%
AFL’s Dividend Yield of 2.07% is consistent with its peers in the Insurance - Life industry, providing a dividend return that is standard for its sector.
EG
2.37%
Insurance - Reinsurance Industry
- Max
- 2.38%
- Q3
- 1.52%
- Median
- 0.33%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 2.37%, EG offers a more attractive income stream than most of its peers in the Insurance - Reinsurance industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio
AFL
31.03%
Insurance - Life Industry
- Max
- 203.94%
- Q3
- 64.38%
- Median
- 29.88%
- Q1
- 19.14%
- Min
- 0.00%
AFL’s Dividend Payout Ratio of 31.03% is within the typical range for the Insurance - Life industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
EG
40.35%
Insurance - Reinsurance Industry
- Max
- 40.35%
- Q3
- 23.76%
- Median
- 7.09%
- Q1
- 1.73%
- Min
- 0.00%
EG’s Dividend Payout Ratio of 40.35% is in the upper quartile for the Insurance - Reinsurance industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
Dividend at a Glance
| Symbol | AFL | EG |
|---|---|---|
| Dividend Yield (TTM) | 2.07% | 2.37% |
| Dividend Payout Ratio (TTM) | 31.03% | 40.35% |
Valuation
Price-to-Earnings Ratio
AFL
15.85
Insurance - Life Industry
- Max
- 17.82
- Q3
- 16.08
- Median
- 12.43
- Q1
- 7.33
- Min
- 3.69
AFL’s P/E Ratio of 15.85 is within the middle range for the Insurance - Life industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
EG
16.95
Insurance - Reinsurance Industry
- Max
- 16.92
- Q3
- 16.06
- Median
- 12.86
- Q1
- 8.23
- Min
- 5.12
At 16.95, EG’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance - Reinsurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
Forward P/E to Growth Ratio
AFL
2.40
Insurance - Life Industry
- Max
- 3.81
- Q3
- 1.95
- Median
- 0.97
- Q1
- 0.53
- Min
- 0.24
A Forward PEG Ratio of 2.40 places AFL in the upper quartile for the Insurance - Life industry. This suggests the stock is potentially expensive compared to its peers relative to its growth forecast, which may warrant caution.
EG
0.71
Insurance - Reinsurance Industry
- Max
- 1.52
- Q3
- 1.04
- Median
- 0.71
- Q1
- 0.38
- Min
- 0.20
EG’s Forward PEG Ratio of 0.71 is within the middle range of its peers in the Insurance - Reinsurance industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
AFL
3.31
Insurance - Life Industry
- Max
- 3.84
- Q3
- 2.89
- Median
- 1.06
- Q1
- 0.63
- Min
- 0.31
AFL’s P/S Ratio of 3.31 is in the upper echelon for the Insurance - Life 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.
EG
0.83
Insurance - Reinsurance Industry
- Max
- 1.18
- Q3
- 1.07
- Median
- 0.91
- Q1
- 0.83
- Min
- 0.62
The P/S Ratio is often not a primary valuation tool in the Insurance - Reinsurance industry.
Price-to-Book Ratio
AFL
2.16
Insurance - Life Industry
- Max
- 3.87
- Q3
- 2.13
- Median
- 1.49
- Q1
- 0.95
- Min
- 0.38
AFL’s P/B Ratio of 2.16 is in the upper tier for the Insurance - Life 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.
EG
1.02
Insurance - Reinsurance Industry
- Max
- 1.19
- Q3
- 1.18
- Median
- 1.08
- Q1
- 0.93
- Min
- 0.73
EG’s P/B Ratio of 1.02 is within the conventional range for the Insurance - Reinsurance 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.
Valuation at a Glance
| Symbol | AFL | EG |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 15.85 | 16.95 |
| Forward PEG Ratio (TTM) | 2.40 | 0.71 |
| Price-to-Sales Ratio (P/S, TTM) | 3.31 | 0.83 |
| Price-to-Book Ratio (P/B, TTM) | 2.16 | 1.02 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 23.10 | 2.93 |
| EV-to-EBITDA (TTM) | 13.45 | 581.26 |
| EV-to-Sales (TTM) | 3.46 | 0.74 |