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

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

Company Profile

SymbolAFLGL
Company NameAflac IncorporatedGlobe Life Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceInsurance
Market Capitalization60.93 billion USD10.69 billion USD
ExchangeNYSENYSE
Listing DateMarch 17, 1980October 1, 1980
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolAFLGL
5-Day Price Return0.67%-0.67%
13-Week Price Return8.50%-3.35%
26-Week Price Return8.86%10.19%
52-Week Price Return3.53%20.57%
Month-to-Date Return6.67%-0.06%
Year-to-Date Return10.54%17.85%
10-Day Avg. Volume2.27M0.55M
3-Month Avg. Volume2.29M0.61M
3-Month Volatility15.57%17.85%
Beta0.660.49

Profitability

Return on Equity (TTM)

AFL

15.39%

Insurance Industry

Max
31.64%
Q3
19.22%
Median
14.77%
Q1
10.48%
Min
2.20%

AFL’s Return on Equity of 15.39% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

GL

21.07%

Insurance Industry

Max
31.64%
Q3
19.22%
Median
14.77%
Q1
10.48%
Min
2.20%

In the upper quartile for the Insurance industry, GL’s Return on Equity of 21.07% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

AFL vs. GL: A comparison of their Return on Equity (TTM) against the Insurance industry benchmark.

Net Profit Margin (TTM)

AFL

23.55%

Insurance Industry

Max
28.47%
Q3
15.63%
Median
10.40%
Q1
6.94%
Min
-3.51%

A Net Profit Margin of 23.55% places AFL in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

GL

19.36%

Insurance Industry

Max
28.47%
Q3
15.63%
Median
10.40%
Q1
6.94%
Min
-3.51%

A Net Profit Margin of 19.36% places GL in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

AFL vs. GL: A comparison of their Net Profit Margin (TTM) against the Insurance industry benchmark.

Operating Profit Margin (TTM)

AFL

29.97%

Insurance Industry

Max
35.59%
Q3
21.31%
Median
14.99%
Q1
10.34%
Min
-2.51%

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

GL

26.27%

Insurance Industry

Max
35.59%
Q3
21.31%
Median
14.99%
Q1
10.34%
Min
-2.51%

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

AFL vs. GL: A comparison of their Operating Profit Margin (TTM) against the Insurance industry benchmark.

Profitability at a Glance

SymbolAFLGL
Return on Equity (TTM)15.39%21.07%
Return on Assets (TTM)3.44%3.86%
Net Profit Margin (TTM)23.55%19.36%
Operating Profit Margin (TTM)29.97%26.27%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

AFL

0.11

Insurance Industry

Max
2.64
Q3
1.19
Median
0.53
Q1
0.15
Min
0.00

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

GL

0.62

Insurance Industry

Max
2.64
Q3
1.19
Median
0.53
Q1
0.15
Min
0.00

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

AFL vs. GL: A comparison of their Current Ratio (MRQ) against the Insurance industry benchmark.

Debt-to-Equity Ratio (MRQ)

AFL

0.30

Insurance Industry

Max
1.10
Q3
0.65
Median
0.35
Q1
0.23
Min
0.00

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

GL

0.48

Insurance Industry

Max
1.10
Q3
0.65
Median
0.35
Q1
0.23
Min
0.00

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

AFL vs. GL: A comparison of their Debt-to-Equity Ratio (MRQ) against the Insurance industry benchmark.

Interest Coverage Ratio (TTM)

AFL

33.57

Insurance Industry

Max
49.59
Q3
22.05
Median
9.63
Q1
3.42
Min
-5.73

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

GL

11.44

Insurance Industry

Max
49.59
Q3
22.05
Median
9.63
Q1
3.42
Min
-5.73

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

AFL vs. GL: A comparison of their Interest Coverage Ratio (TTM) against the Insurance industry benchmark.

Financial Strength at a Glance

SymbolAFLGL
Current Ratio (MRQ)0.110.62
Quick Ratio (MRQ)0.110.62
Debt-to-Equity Ratio (MRQ)0.300.48
Interest Coverage Ratio (TTM)33.5711.44

Growth

Revenue Growth

AFL vs. GL: 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. GL: 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

1.97%

Insurance Industry

Max
9.43%
Q3
5.10%
Median
3.57%
Q1
2.02%
Min
0.00%

AFL’s Dividend Yield of 1.97% 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.

GL

0.81%

Insurance Industry

Max
9.43%
Q3
5.10%
Median
3.57%
Q1
2.02%
Min
0.00%

GL’s Dividend Yield of 0.81% 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.

AFL vs. GL: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

Dividend Payout Ratio (TTM)

AFL

28.14%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
50.55%
Q1
22.12%
Min
0.00%

AFL’s Dividend Payout Ratio of 28.14% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

GL

7.35%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
50.55%
Q1
22.12%
Min
0.00%

GL’s Dividend Payout Ratio of 7.35% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

AFL vs. GL: A comparison of their Dividend Payout Ratio (TTM) against the Insurance industry benchmark.

Dividend at a Glance

SymbolAFLGL
Dividend Yield (TTM)1.97%0.81%
Dividend Payout Ratio (TTM)28.14%7.35%

Valuation

Price-to-Earnings Ratio (TTM)

AFL

14.31

Insurance Industry

Max
27.66
Q3
17.29
Median
12.59
Q1
9.86
Min
3.13

AFL’s P/E Ratio of 14.31 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

GL

9.04

Insurance Industry

Max
27.66
Q3
17.29
Median
12.59
Q1
9.86
Min
3.13

In the lower quartile for the Insurance industry, GL’s P/E Ratio of 9.04 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

AFL vs. GL: A comparison of their Price-to-Earnings Ratio (TTM) against the Insurance industry benchmark.

Price-to-Sales Ratio (TTM)

AFL

3.37

Insurance Industry

Max
3.39
Q3
1.95
Median
1.25
Q1
0.83
Min
0.22

AFL’s P/S Ratio of 3.37 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.

GL

1.75

Insurance Industry

Max
3.39
Q3
1.95
Median
1.25
Q1
0.83
Min
0.22

GL’s P/S Ratio of 1.75 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

AFL vs. GL: A comparison of their Price-to-Sales Ratio (TTM) against the Insurance industry benchmark.

Price-to-Book Ratio (MRQ)

AFL

2.08

Insurance Industry

Max
4.36
Q3
2.47
Median
1.77
Q1
1.18
Min
0.17

AFL’s P/B Ratio of 2.08 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.

GL

2.04

Insurance Industry

Max
4.36
Q3
2.47
Median
1.77
Q1
1.18
Min
0.17

GL’s P/B Ratio of 2.04 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.

AFL vs. GL: A comparison of their Price-to-Book Ratio (MRQ) against the Insurance industry benchmark.

Valuation at a Glance

SymbolAFLGL
Price-to-Earnings Ratio (TTM)14.319.04
Price-to-Sales Ratio (TTM)3.371.75
Price-to-Book Ratio (MRQ)2.082.04
Price-to-Free Cash Flow Ratio (TTM)23.198.35