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AFL vs. EG: Aflac vs. Everest Stock Comparison

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

Company profile comparison for Aflac (AFL) and Everest (EG)
Profile ItemAFLEG
NameAflac IncorporatedEverest Group, Ltd.
Country/RegionUnited StatesBermuda
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryLife & Health InsuranceReinsurance
Market Capitalization61.36 billion USD15.23 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980October 3, 1995
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFL
EG
GSPC
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Aflac (AFL) vs. Everest (EG), 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 Everest (EG). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Aflac (AFL) and Everest (EG)
MetricAFLEG
Total Return (1Y)12.21%28.99%
Total Return (3Y, Annualized)18.21%4.67%
Total Return (5Y, Annualized)20.06%10.80%

Risk Profile

Drawdown History

AFL
EG
GSPC
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Aflac (AFL) vs. Everest (EG), 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 Everest (EG). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Aflac (AFL) and Everest (EG)
MetricAFLEG
Volatility (1Y, Annualized)17.13%21.71%
Beta (5Y)0.550.23
Max Drawdown (5Y)-19.86%-23.84%
Avg. Volume (3M)1.93M382.05K

Risk-Adjusted Performance

Risk-Return Positioning

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AFL and EG 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 Everest (EG)
MetricAFLEG
Sharpe Ratio (1Y)0.461.14
Sortino Ratio (1Y)0.681.77

Profitability

ROE (TTM)

Both Aflac (AFL) at 12.17% and Everest (EG) at 12.77% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

AFL

Insurance industry group

12.17%

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

EG

Insurance industry group

12.77%

Max
41.68%
Q3
22.04%
Median
14.81%
EG
12.77%
Q1
8.79%
Min
-10.66%
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Aflac (AFL) vs. Everest (EG): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Aflac (AFL) at 21.24% retains a top-quartile share of revenue as profit, ahead of Everest (EG) at 11.68%, which keeps about the industry-typical share.

AFL

Insurance industry group

21.24%

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

EG

Insurance industry group

11.68%

Max
29.92%
Q3
17.03%
EG
11.68%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Aflac (AFL) vs. Everest (EG): 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 Everest (EG) 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 Everest (EG)
MetricAFLEG
ROE (TTM)12.17%12.77%
ROA (TTM)2.39%2.43%
Net Margin (TTM)21.24%11.68%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Both Aflac (AFL) at -9.27% and Everest (EG) at 0.83% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

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

EPS Growth

Everest (EG) at 18.94% 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. Everest (EG): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Aflac (AFL) and Everest (EG)
MetricAFLEG
Revenue Growth (YoY)-9.27%0.83%
Revenue Growth (3Y CAGR)-3.23%12.84%
EPS Growth (YoY)-29.18%18.94%
EPS Growth (3Y CAGR)-0.53%35.51%

Financial Strength

Current Ratio (MRQ)

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

Dividends

Dividend Yield (TTM)

Both Aflac (AFL) at 1.91% and Everest (EG) at 1.91% 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%

EG

Insurance industry group

1.91%

Max
5.12%
Q3
2.15%
EG
1.91%
Median
0.98%
Q1
0.00%
Min
0.00%
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Aflac (AFL) vs. Everest (EG): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Aflac (AFL) at 35.18% and Everest (EG) at 16.81% 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%

EG

Insurance industry group

16.81%

Max
76.67%
Q3
35.18%
EG
16.81%
Median
14.74%
Q1
0.00%
Min
0.00%
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Aflac (AFL) vs. Everest (EG): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Aflac (AFL) and Everest (EG)
MetricAFLEG
Dividend Yield (TTM)1.91%1.91%
Dividend Payout Ratio (TTM)35.18%16.81%

Valuation

P/E Ratio (TTM)

Everest (EG) at 8.64 sits in the cheaper P/E ratio quartile, while Aflac (AFL) at 18.11 is closer to its industry’s usual earnings multiple — a discount for EG, though growth and earnings durability still matter.

AFL

Insurance industry group

18.11

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

EG

Insurance industry group

8.64

Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
EG
8.64
Min
2.32
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Aflac (AFL) vs. Everest (EG): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

Everest (EG) at 0.94 is priced about in line with its industry on P/S ratio, while Aflac (AFL) at 3.70 sits in the pricier quartile — AFL costs more per dollar of sales.

AFL

Insurance industry group

3.70

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

EG

Insurance industry group

0.94

Max
4.03
Q3
2.25
Median
1.23
EG
0.94
Q1
0.85
Min
0.07
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Aflac (AFL) vs. Everest (EG): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Everest (EG) at 1.08 sits in the lower P/B ratio quartile against book while Aflac (AFL) at 2.10 is valued near its industry’s middle — EG is cheaper on assets, though weigh it against ROE and asset quality.

AFL

Insurance industry group

2.10

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

EG

Insurance industry group

1.08

Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
EG
1.08
Min
0.30
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Aflac (AFL) vs. Everest (EG): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Aflac (AFL) and Everest (EG)
MetricAFLEG
P/E Ratio (TTM)18.118.64
P/S Ratio (TTM)3.700.94
P/B Ratio (MRQ)2.101.08
Free Cash Flow Yield (TTM)----