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

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

Company Profile

AFL is a standard domestic listing, while NMR trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

SymbolAFLNMR
Company NameAflac IncorporatedNomura Holdings, Inc.
CountryUnited StatesJapan
GICS SectorFinancialsFinancials
GICS IndustryInsuranceCapital Markets
Market Capitalization60.93 billion USD20.90 billion USD
ExchangeNYSENYSE
Listing DateMarch 17, 1980December 17, 2001
Security TypeCommon StockADR

Historical Performance

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

Historical Performance at a Glance

SymbolAFLNMR
5-Day Price Return0.67%-0.45%
13-Week Price Return8.50%2.91%
26-Week Price Return8.86%30.35%
52-Week Price Return3.53%23.08%
Month-to-Date Return6.67%-0.50%
Year-to-Date Return10.54%17.74%
10-Day Avg. Volume2.27M11.37M
3-Month Avg. Volume2.29M10.54M
3-Month Volatility15.57%28.95%
Beta0.66-0.01

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.

NMR

10.57%

Capital Markets Industry

Max
41.61%
Q3
22.56%
Median
13.62%
Q1
9.23%
Min
-4.25%

NMR’s Return on Equity of 10.57% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

AFL vs. NMR: A comparison of their Return on Equity (TTM) against their respective Insurance and Capital Markets industry benchmarks.

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.

NMR

8.05%

Capital Markets Industry

Max
69.91%
Q3
36.88%
Median
24.30%
Q1
13.14%
Min
-6.20%

Falling into the lower quartile for the Capital Markets industry, NMR’s Net Profit Margin of 8.05% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

AFL vs. NMR: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Capital Markets industry benchmarks.

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.

NMR

11.60%

Capital Markets Industry

Max
83.68%
Q3
47.64%
Median
32.36%
Q1
19.28%
Min
0.30%

NMR’s Operating Profit Margin of 11.60% is in the lower quartile for the Capital Markets industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

SymbolAFLNMR
Return on Equity (TTM)15.39%10.57%
Return on Assets (TTM)3.44%0.63%
Net Profit Margin (TTM)23.55%8.05%
Operating Profit Margin (TTM)29.97%11.60%
Gross Profit Margin (TTM)--43.38%

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.

NMR

0.28

Capital Markets Industry

Max
3.43
Q3
1.76
Median
1.00
Q1
0.60
Min
0.04

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

AFL vs. NMR: A comparison of their Current Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

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.

NMR

10.65

Capital Markets Industry

Max
6.12
Q3
2.78
Median
0.96
Q1
0.31
Min
0.00

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

AFL vs. NMR: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

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.

NMR

--

Capital Markets Industry

Max
107.59
Q3
50.42
Median
10.94
Q1
4.37
Min
-36.26

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

AFL vs. NMR: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Financial Strength at a Glance

SymbolAFLNMR
Current Ratio (MRQ)0.110.28
Quick Ratio (MRQ)0.110.28
Debt-to-Equity Ratio (MRQ)0.3010.65
Interest Coverage Ratio (TTM)33.57--

Growth

Revenue Growth

AFL vs. NMR: 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. NMR: 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.

NMR

3.32%

Capital Markets Industry

Max
8.63%
Q3
4.88%
Median
2.72%
Q1
1.41%
Min
0.00%

NMR’s Dividend Yield of 3.32% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

AFL vs. NMR: A comparison of their Dividend Yield (TTM) against their respective Insurance and Capital Markets industry benchmarks.

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.

NMR

66.06%

Capital Markets Industry

Max
188.84%
Q3
96.52%
Median
61.58%
Q1
31.74%
Min
0.00%

NMR’s Dividend Payout Ratio of 66.06% is within the typical range for the Capital Markets industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

SymbolAFLNMR
Dividend Yield (TTM)1.97%3.32%
Dividend Payout Ratio (TTM)28.14%66.06%

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.

NMR

9.16

Capital Markets Industry

Max
47.53
Q3
28.81
Median
16.62
Q1
12.06
Min
5.71

In the lower quartile for the Capital Markets industry, NMR’s P/E Ratio of 9.16 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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

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.

NMR

0.74

Capital Markets Industry

Max
13.23
Q3
6.65
Median
4.40
Q1
2.22
Min
0.03

In the lower quartile for the Capital Markets industry, NMR’s P/S Ratio of 0.74 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

AFL vs. NMR: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

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.

NMR

0.98

Capital Markets Industry

Max
10.83
Q3
5.27
Median
2.66
Q1
1.34
Min
0.37

NMR’s P/B Ratio of 0.98 is in the lower quartile for the Capital Markets 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. NMR: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Valuation at a Glance

SymbolAFLNMR
Price-to-Earnings Ratio (TTM)14.319.16
Price-to-Sales Ratio (TTM)3.370.74
Price-to-Book Ratio (MRQ)2.080.98
Price-to-Free Cash Flow Ratio (TTM)23.193.55