AFL vs. MET: Aflac vs. MetLife Stock Comparison

June 13, 2026

This page compares Aflac (AFL) with MetLife (MET) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.

Performance

Cumulative Growth

AFL

MET

Aflac (AFL) vs. MetLife (MET): 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 MetLife (MET). Returns over one year are annualized.

Performance at a Glance

Performance metrics for Aflac (AFL) and MetLife (MET)
Metric	AFL	MET
1-Year Return	17.23%	15.85%

Risk

Drawdown

AFL

MET

Aflac (AFL) vs. MetLife (MET): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Risk at a Glance

Risk metrics for Aflac (AFL) and MetLife (MET)
Metric	AFL	MET
1-Year Volatility	17.06%	23.21%
Beta	0.60	0.77
3-Month Avg. Volume	2.42M	3.49M

Company Profile

Aflac (AFL) and MetLife (MET) are both classified in the Life & Health Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Company profile comparison for Aflac (AFL) and MetLife (MET)
Profile Item	AFL	MET
Name	Aflac Inc.	MetLife Inc.
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Insurance	Insurance
GICS Industry	Insurance	Insurance
GICS Sub-Industry	Life & Health Insurance	Life & Health Insurance
Market Capitalization	59.96 billion USD	57.16 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	March 17, 1980	April 5, 2000
Security Type	Common Stock	Common Stock

Valuation

Price-to-Earnings Ratio (TTM)

Aflac (AFL) at 13.46 is near its industry’s usual P/E ratio, while MetLife (MET) at 17.18 sits in the richer quartile — MET needs stronger growth or earnings quality to justify the premium.

AFL

Insurance industry group

13.46

Max: 25.24
Q3: 16.46
AFL: 13.46
Median: 12.28
Q1: 8.66
Min: 3.44

MET

Insurance industry group

17.18

Max: 25.24
MET: 17.18
Q3: 16.46
Median: 12.28
Q1: 8.66
Min: 3.44

Aflac (AFL) vs. MetLife (MET): A comparison of their P/E ratio against the Insurance industry group benchmark.

Price-to-Sales Ratio (TTM)

MetLife (MET) at 0.74 looks cheap on sales in the lower P/S ratio quartile, while Aflac (AFL) at 3.31 looks rich in the upper quartile — a clear gap in price per dollar of revenue.

AFL

Insurance industry group

3.31

Max: 3.96
AFL: 3.31
Q3: 2.13
Median: 1.17
Q1: 0.82
Min: 0.13

MET

Insurance industry group

0.74

Max: 3.96
Q3: 2.13
Median: 1.17
Q1: 0.82
MET: 0.74
Min: 0.13

Aflac (AFL) vs. MetLife (MET): A comparison of their P/S ratio against the Insurance industry group benchmark.

Price-to-Book Ratio (MRQ)

On P/B ratio, both Aflac (AFL) at 2.01 and MetLife (MET) at 2.10 are valued close to their industries’ norm against book — neither stands out from peers.

AFL

Insurance industry group

2.01

Max: 3.70
Q3: 2.21
AFL: 2.01
Median: 1.61
Q1: 1.12
Min: -0.14

MET

Insurance industry group

2.10

Max: 3.70
Q3: 2.21
MET: 2.10
Median: 1.61
Q1: 1.12
Min: -0.14

Aflac (AFL) vs. MetLife (MET): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation at a Glance

Valuation metrics for Aflac (AFL) and MetLife (MET)
Metric	AFL	MET
Price-to-Earnings Ratio (TTM)	13.46	17.18
Price-to-Sales Ratio (TTM)	3.31	0.74
Price-to-Book Ratio (MRQ)	2.01	2.10
Free Cash Flow Yield	--	--

Profitability

Return on Equity (TTM)

Both Aflac (AFL) at 16.47% and MetLife (MET) at 13.01% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

AFL

Insurance industry group

16.47%

Max: 38.88%
Q3: 22.34%
AFL: 16.47%
Median: 14.13%
Q1: 9.51%
Min: -6.23%

MET

Insurance industry group

13.01%

Max: 38.88%
Q3: 22.34%
Median: 14.13%
MET: 13.01%
Q1: 9.51%
Min: -6.23%

Aflac (AFL) vs. MetLife (MET): A comparison of their ROE against the Insurance industry group benchmark.

Net Profit Margin (TTM)

Aflac (AFL) at 25.60% keeps a top-quartile share of each sales dollar as profit, while MetLife (MET) at 4.67% keeps a bottom-quartile share.

AFL

Insurance industry group

25.60%

Max: 38.86%
AFL: 25.60%
Q3: 19.36%
Median: 11.07%
Q1: 5.09%
Min: -2.80%

MET

Insurance industry group

4.67%

Max: 38.86%
Q3: 19.36%
Median: 11.07%
Q1: 5.09%
MET: 4.67%
Min: -2.80%

Aflac (AFL) vs. MetLife (MET): A comparison of their net margin against the Insurance industry group benchmark.

Operating Profit Margin (TTM)

Neither side reports a meaningful operating margin: for Aflac (AFL) in Insurance and MetLife (MET) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability at a Glance

Profitability metrics for Aflac (AFL) and MetLife (MET)
Metric	AFL	MET
Return on Equity (TTM)	16.47%	13.01%
Return on Assets (TTM)	3.09%	0.45%
Net Profit Margin (TTM)	25.60%	4.67%
Operating Profit Margin (TTM)	--	--
Gross Profit Margin (TTM)	--	--

Growth

Revenue Growth

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

Revenue Growth at a Glance

Revenue growth metrics for Aflac (AFL) and MetLife (MET)
Metric	AFL	MET
1-Year Revenue Growth	-9.27%	7.88%
3-Year Revenue CAGR	-3.23%	3.92%

EPS Growth

Aflac (AFL) vs. MetLife (MET): A comparison of their EPS Growth across different time periods.

EPS Growth at a Glance

EPS growth metrics for Aflac (AFL) and MetLife (MET)
Metric	AFL	MET
1-Year EPS Growth	-29.18%	-21.04%
3-Year EPS CAGR	-0.53%	18.50%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Aflac (AFL) in Insurance and MetLife (MET) 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-to-Equity Ratio (MRQ)

debt-to-equity ratio is set aside for both: Aflac (AFL) in Insurance and MetLife (MET) 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 at a Glance

Financial strength metrics for Aflac (AFL) and MetLife (MET)
Metric	AFL	MET
Current Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

MetLife (MET) at 2.67% delivers top-quartile income for its industry, while Aflac (AFL) at 2.07% pays a more typical yield — both are credible income propositions, MET the richer one.

AFL

Insurance industry group

2.07%

Max: 5.43%
Q3: 2.64%
AFL: 2.07%
Median: 1.35%
Q1: 0.00%
Min: 0.00%

MET

Insurance industry group

2.67%

Max: 5.43%
MET: 2.67%
Q3: 2.64%
Median: 1.35%
Q1: 0.00%
Min: 0.00%

Aflac (AFL) vs. MetLife (MET): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Aflac (AFL) at 26.86% pays out a band-typical share of earnings, while MetLife (MET) at 43.91% distributes more than its industry norm — less retained, thinner cover.

AFL

Insurance industry group

26.86%

Max: 86.52%
Q3: 35.43%
AFL: 26.86%
Median: 14.92%
Q1: 0.00%
Min: 0.00%

MET

Insurance industry group

43.91%

Max: 86.52%
MET: 43.91%
Q3: 35.43%
Median: 14.92%
Q1: 0.00%
Min: 0.00%

Aflac (AFL) vs. MetLife (MET): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividends at a Glance

Dividend metrics for Aflac (AFL) and MetLife (MET)
Metric	AFL	MET
Dividend Yield (TTM)	2.07%	2.67%
Dividend Payout Ratio (TTM)	26.86%	43.91%