AFL vs. SFB: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFL and SFB, 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 SFB’s 11.03 billion USD, indicating a significant difference in their market valuations.
With betas of 0.81 for AFL and 1.09 for SFB, both stocks show similar sensitivity to overall market movements.
| Symbol | AFL | SFB |
|---|---|---|
| Company Name | Aflac Incorporated | Stifel Financial Corporation 5.20% Senior Notes due 2047 |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Life | Investment - Banking & Investment Services |
| CEO | Daniel Paul Amos | None |
| Price | 104.57 USD | 21 USD |
| Market Cap | 56.54 billion USD | 11.03 billion USD |
| Beta | 0.81 | 1.09 |
| Exchange | NYSE | NYSE |
| IPO Date | March 17, 1980 | October 17, 2017 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AFL and SFB 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.
SFB
11.33%
Investment - Banking & Investment Services Industry
- Max
- 11.33%
- Q3
- 9.82%
- Median
- 6.95%
- Q1
- 1.70%
- Min
- -7.08%
In the upper quartile for the Investment - Banking & Investment Services industry, SFB’s Return on Equity of 11.33% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
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.
SFB
2.76%
Investment - Banking & Investment Services Industry
- Max
- 9.59%
- Q3
- 7.88%
- Median
- 1.38%
- Q1
- -3.64%
- Min
- -7.80%
Return on Invested Capital is often not a primary measure of capital efficiency in the Investment - Banking & Investment Services 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.
SFB
11.29%
Investment - Banking & Investment Services Industry
- Max
- 45.80%
- Q3
- 30.83%
- Median
- 9.16%
- Q1
- -2.60%
- Min
- -38.28%
SFB’s Net Profit Margin of 11.29% is aligned with the median group of its peers in the Investment - Banking & Investment Services industry. This indicates its ability to convert revenue into profit is typical for the sector.
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.
SFB
24.92%
Investment - Banking & Investment Services Industry
- Max
- 81.43%
- Q3
- 42.20%
- Median
- 12.51%
- Q1
- -8.30%
- Min
- -22.17%
SFB’s Operating Profit Margin of 24.92% is around the midpoint for the Investment - Banking & Investment Services industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | AFL | SFB |
|---|---|---|
| Return on Equity (TTM) | 13.91% | 11.33% |
| Return on Assets (TTM) | 2.99% | 1.56% |
| Return on Invested Capital (TTM) | 2.99% | 2.76% |
| Net Profit Margin (TTM) | 21.03% | 11.29% |
| Operating Profit Margin (TTM) | 25.70% | 24.92% |
| Gross Profit Margin (TTM) | 79.82% | 81.86% |
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.
SFB
--
Investment - Banking & Investment Services Industry
- Max
- 1.44
- Q3
- 1.42
- Median
- 0.81
- Q1
- 0.28
- Min
- 0.03
Current Ratio data for SFB is currently unavailable.
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.
SFB
0.27
Investment - Banking & Investment Services Industry
- Max
- 1.86
- Q3
- 1.69
- Median
- 1.12
- Q1
- 0.65
- Min
- 0.27
Falling into the lower quartile for the Investment - Banking & Investment Services industry, SFB’s Debt-to-Equity Ratio of 0.27 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
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.
SFB
1.88
Investment - Banking & Investment Services Industry
- Max
- 10.11
- Q3
- 5.15
- Median
- 1.31
- Q1
- -0.12
- Min
- -0.75
SFB’s Interest Coverage Ratio of 1.88 is positioned comfortably within the norm for the Investment - Banking & Investment Services industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | AFL | SFB |
|---|---|---|
| Current Ratio (TTM) | -- | -- |
| Quick Ratio (TTM) | -- | -- |
| Debt-to-Equity Ratio (TTM) | 0.29 | 0.27 |
| Debt-to-Asset Ratio (TTM) | 0.06 | 0.04 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.57 | -0.97 |
| Interest Coverage Ratio (TTM) | 21.95 | 1.88 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AFL and SFB. 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.
SFB
1.61%
Investment - Banking & Investment Services Industry
- Max
- 8.37%
- Q3
- 8.00%
- Median
- 7.73%
- Q1
- 4.20%
- Min
- 0.00%
SFB’s Dividend Yield of 1.61% is in the lower quartile for the Investment - Banking & Investment Services industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
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.
SFB
47.45%
Investment - Banking & Investment Services Industry
- Max
- 116.00%
- Q3
- 105.02%
- Median
- 47.45%
- Q1
- 0.00%
- Min
- 0.00%
SFB’s Dividend Payout Ratio of 47.45% is within the typical range for the Investment - Banking & Investment Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | AFL | SFB |
|---|---|---|
| Dividend Yield (TTM) | 2.07% | 1.61% |
| Dividend Payout Ratio (TTM) | 31.03% | 47.45% |
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.
SFB
18.43
Investment - Banking & Investment Services Industry
- Max
- 17.50
- Q3
- 15.38
- Median
- 13.59
- Q1
- 9.39
- Min
- 0.41
At 18.43, SFB’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Investment - Banking & Investment Services 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.
SFB
0.79
Investment - Banking & Investment Services Industry
- Max
- 5.52
- Q3
- 5.29
- Median
- 5.05
- Q1
- 2.90
- Min
- 0.75
In the lower quartile for the Investment - Banking & Investment Services industry, SFB’s Forward PEG Ratio of 0.79 is a positive indicator. It suggests that the stock may be attractively valued relative to its expected earnings growth.
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.
SFB
2.04
Investment - Banking & Investment Services Industry
- Max
- 6.72
- Q3
- 5.60
- Median
- 3.30
- Q1
- 1.69
- Min
- 0.00
The P/S Ratio is often not a primary valuation tool in the Investment - Banking & Investment Services 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.
SFB
2.01
Investment - Banking & Investment Services Industry
- Max
- 1.91
- Q3
- 1.39
- Median
- 1.21
- Q1
- 0.97
- Min
- 0.90
At 2.01, SFB’s P/B Ratio is at an extreme premium to the Investment - Banking & Investment Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | AFL | SFB |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 15.85 | 18.43 |
| Forward PEG Ratio (TTM) | 2.40 | 0.79 |
| Price-to-Sales Ratio (P/S, TTM) | 3.31 | 2.04 |
| Price-to-Book Ratio (P/B, TTM) | 2.16 | 2.01 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 23.10 | 45.93 |
| EV-to-EBITDA (TTM) | 13.45 | 6.94 |
| EV-to-Sales (TTM) | 3.46 | 1.79 |