AFL vs. USB: A Head-to-Head Stock Comparison
UpdatedHere’s a clear look at AFL and USB, comparing key factors like performance, valuation metrics, dividends, and financial strength.
Company Overview
AFL’s market capitalization stands at 56.05 billion USD, while USB’s is 69.75 billion USD, indicating their market valuations are broadly comparable.
With betas of 0.81 for AFL and 1.02 for USB, both stocks show similar sensitivity to overall market movements.
| Symbol | AFL | USB |
|---|---|---|
| Company Name | Aflac Incorporated | U.S. Bancorp |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Life | Banks - Regional |
| CEO | Mr. Daniel Paul Amos | Ms. Gunjan Kedia |
| Price | 103.68 USD | 44.77 USD |
| Market Cap | 56.05 billion USD | 69.75 billion USD |
| Beta | 0.81 | 1.02 |
| Exchange | NYSE | NYSE |
| IPO Date | March 17, 1980 | May 3, 1973 |
| ADR | No | No |
Performance Comparison
This chart compares the performance of AFL and USB over the past year by tracking the growth of an initial $10,000 investment in each (starting one year ago).
Data is adjusted for dividends and splits.
Valuation Metrics Comparison
This section compares the market valuation of AFL and USB. Key takeaways regarding their valuation, when viewed within their industry context, are presented in the commentary that follows.
- AFL’s Price-to-Book (P/B) ratio of 2.14 is very high. This often indicates that the market values the company significantly above its net asset value, usually reflecting strong profitability, valuable intangible assets (like brand or patents), or high expectations for future growth.
| Symbol | AFL | USB |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 15.72 | 10.43 |
| Forward PEG Ratio (TTM) | 2.38 | 1.01 |
| Price-to-Sales Ratio (P/S, TTM) | 3.28 | 1.64 |
| Price-to-Book Ratio (P/B, TTM) | 2.14 | 1.16 |
| EV-to-EBITDA (TTM) | 13.34 | 10.39 |
| EV-to-Sales (TTM) | 3.43 | 2.27 |
Dividend Comparison
USB provides a dividend yield of 4.44%, which is significantly higher than AFL’s 2.08%, highlighting its commitment to more generous shareholder payouts.
| Symbol | AFL | USB |
|---|---|---|
| Dividend Yield (TTM) | 2.08% | 4.44% |
Financial Strength Metrics Comparison
Explore the financial strength details for AFL and USB in the table below.
| Symbol | AFL | USB |
|---|---|---|
| Current Ratio (TTM) | -- | 0.27 |
| Quick Ratio (TTM) | -- | 0.27 |
| Debt-to-Equity Ratio (TTM) | 0.29 | 1.28 |
| Debt-to-Asset Ratio (TTM) | 0.06 | 0.11 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.57 | 2.90 |
| Interest Coverage Ratio (TTM) | 21.95 | 0.56 |