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AFL vs. TRV: Aflac vs. Travelers Stock Comparison

How do Aflac (AFL) and Travelers (TRV) 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 Travelers (TRV) both belong to the Insurance industry, though AFL is classified under Life & Health Insurance while TRV falls under Property & Casualty Insurance.

Company profile comparison for Aflac (AFL) and Travelers (TRV)
Profile ItemAFLTRV
NameAflac IncorporatedThe Travelers Companies, Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryLife & Health InsuranceProperty & Casualty Insurance
Market Capitalization61.36 billion USD80.98 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980November 17, 1975
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFL
TRV
GSPC
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Aflac (AFL) vs. Travelers (TRV), 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 Travelers (TRV). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Aflac (AFL) and Travelers (TRV)
MetricAFLTRV
Total Return (1Y)12.21%43.06%
Total Return (3Y, Annualized)18.21%35.01%
Total Return (5Y, Annualized)20.06%22.46%

Risk Profile

Drawdown History

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

Risk Metrics

Risk profile metrics for Aflac (AFL) and Travelers (TRV)
MetricAFLTRV
Volatility (1Y, Annualized)17.13%20.86%
Beta (5Y)0.550.39
Max Drawdown (5Y)-19.86%-18.90%
Avg. Volume (3M)1.93M1.46M

Risk-Adjusted Performance

Risk-Return Positioning

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AFL and TRV 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 Travelers (TRV)
MetricAFLTRV
Sharpe Ratio (1Y)0.461.86
Sortino Ratio (1Y)0.683.16

Profitability

ROE (TTM)

Travelers (TRV) at 27.50% sits in the top ROE quartile, while Aflac (AFL) at 12.17% is closer to the peer norm — stronger capital efficiency for TRV.

AFL

Insurance industry group

12.17%

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

TRV

Insurance industry group

27.50%

Max
41.68%
TRV
27.50%
Q3
22.04%
Median
14.81%
Q1
8.79%
Min
-10.66%
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Aflac (AFL) vs. Travelers (TRV): 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 Travelers (TRV) at 17.03%, 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%

TRV

Insurance industry group

17.03%

Max
29.92%
TRV
17.03%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Aflac (AFL) vs. Travelers (TRV): 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 Travelers (TRV) 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 Travelers (TRV)
MetricAFLTRV
ROE (TTM)12.17%27.50%
ROA (TTM)2.39%4.73%
Net Margin (TTM)21.24%17.03%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Travelers (TRV) at 5.17% is around its peer norm for revenue growth, while Aflac (AFL) at -9.27% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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

EPS Growth

Travelers (TRV) at 27.76% 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. Travelers (TRV): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Aflac (AFL) and Travelers (TRV)
MetricAFLTRV
Revenue Growth (YoY)-9.27%5.17%
Revenue Growth (3Y CAGR)-3.23%9.79%
EPS Growth (YoY)-29.18%27.76%
EPS Growth (3Y CAGR)-0.53%32.58%

Financial Strength

Current Ratio (MRQ)

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

Dividends

Dividend Yield (TTM)

Both Aflac (AFL) at 1.91% and Travelers (TRV) at 1.17% 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%

TRV

Insurance industry group

1.17%

Max
5.12%
Q3
2.15%
TRV
1.17%
Median
0.98%
Q1
0.00%
Min
0.00%
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Aflac (AFL) vs. Travelers (TRV): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Aflac (AFL) at 35.18% and Travelers (TRV) at 12.36% 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%

TRV

Insurance industry group

12.36%

Max
76.67%
Q3
35.18%
Median
14.74%
TRV
12.36%
Q1
0.00%
Min
0.00%
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Aflac (AFL) vs. Travelers (TRV): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Aflac (AFL) and Travelers (TRV)
MetricAFLTRV
Dividend Yield (TTM)1.91%1.17%
Dividend Payout Ratio (TTM)35.18%12.36%

Valuation

P/E Ratio (TTM)

Both Aflac (AFL) at 18.11 and Travelers (TRV) at 10.39 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

AFL

Insurance industry group

18.11

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

TRV

Insurance industry group

10.39

Max
28.37
Q3
18.75
Median
12.23
TRV
10.39
Q1
9.08
Min
2.32
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Aflac (AFL) vs. Travelers (TRV): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

Travelers (TRV) at 1.66 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

TRV

Insurance industry group

1.66

Max
4.03
Q3
2.25
TRV
1.66
Median
1.23
Q1
0.85
Min
0.07
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Aflac (AFL) vs. Travelers (TRV): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Aflac (AFL) at 2.10 and Travelers (TRV) at 2.79 are valued close to their industries’ norm against book — neither stands out from peers.

AFL

Insurance industry group

2.10

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

TRV

Insurance industry group

2.79

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

Valuation Metrics

Valuation metrics for Aflac (AFL) and Travelers (TRV)
MetricAFLTRV
P/E Ratio (TTM)18.1110.39
P/S Ratio (TTM)3.701.66
P/B Ratio (MRQ)2.102.79
Free Cash Flow Yield (TTM)----