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AFL vs. WRB: Aflac vs. W. R. Berkley Stock Comparison

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

Company profile comparison for Aflac (AFL) and W. R. Berkley (WRB)
Profile ItemAFLWRB
NameAflac IncorporatedW. R. Berkley Corporation
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryLife & Health InsuranceProperty & Casualty Insurance
Market Capitalization61.36 billion USD27.95 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980October 23, 1973
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFL
WRB
GSPC
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Aflac (AFL) vs. W. R. Berkley (WRB), 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 W. R. Berkley (WRB). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Aflac (AFL) and W. R. Berkley (WRB). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Aflac (AFL) and W. R. Berkley (WRB)
MetricAFLWRB
Total Return (1Y)12.21%4.12%
Total Return (3Y, Annualized)18.21%21.96%
Total Return (5Y, Annualized)20.06%18.80%

Risk Profile

Drawdown History

AFL
WRB
GSPC
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Aflac (AFL) vs. W. R. Berkley (WRB), 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 W. R. Berkley (WRB). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Aflac (AFL) and W. R. Berkley (WRB)
MetricAFLWRB
Volatility (1Y, Annualized)17.13%22.41%
Beta (5Y)0.550.21
Max Drawdown (5Y)-19.86%-26.29%
Avg. Volume (3M)1.93M2.52M

Risk-Adjusted Performance

Risk-Return Positioning

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AFL and WRB 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 W. R. Berkley (WRB)
MetricAFLWRB
Sharpe Ratio (1Y)0.46-0.01
Sortino Ratio (1Y)0.68-0.01

Profitability

ROE (TTM)

Both Aflac (AFL) at 12.17% and W. R. Berkley (WRB) at 19.26% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

AFL

Insurance industry group

12.17%

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

WRB

Insurance industry group

19.26%

Max
41.68%
Q3
22.04%
WRB
19.26%
Median
14.81%
Q1
8.79%
Min
-10.66%
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Aflac (AFL) vs. W. R. Berkley (WRB): 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 W. R. Berkley (WRB) at 12.53%, 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%

WRB

Insurance industry group

12.53%

Max
29.92%
Q3
17.03%
WRB
12.53%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Aflac (AFL) vs. W. R. Berkley (WRB): 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 W. R. Berkley (WRB) 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 W. R. Berkley (WRB)
MetricAFLWRB
ROE (TTM)12.17%19.26%
ROA (TTM)2.39%3.43%
Net Margin (TTM)21.24%12.53%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

W. R. Berkley (WRB) at 6.93% 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. W. R. Berkley (WRB): A comparison of their Revenue Growth across different time periods.

EPS Growth

W. R. Berkley (WRB) at 2.06% 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. W. R. Berkley (WRB): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Aflac (AFL) and W. R. Berkley (WRB)
MetricAFLWRB
Revenue Growth (YoY)-9.27%6.93%
Revenue Growth (3Y CAGR)-3.23%9.28%
EPS Growth (YoY)-29.18%2.06%
EPS Growth (3Y CAGR)-0.53%10.55%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Aflac (AFL) in Insurance and W. R. Berkley (WRB) 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 W. R. Berkley (WRB) 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 W. R. Berkley (WRB)
MetricAFLWRB
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Aflac (AFL) at 1.91% and W. R. Berkley (WRB) at 0.49% 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%

WRB

Insurance industry group

0.49%

Max
5.12%
Q3
2.15%
Median
0.98%
WRB
0.49%
Q1
0.00%
Min
0.00%
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Aflac (AFL) vs. W. R. Berkley (WRB): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Aflac (AFL) at 35.18% and W. R. Berkley (WRB) at 8.03% 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%

WRB

Insurance industry group

8.03%

Max
76.67%
Q3
35.18%
Median
14.74%
WRB
8.03%
Q1
0.00%
Min
0.00%
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Aflac (AFL) vs. W. R. Berkley (WRB): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Aflac (AFL) and W. R. Berkley (WRB)
MetricAFLWRB
Dividend Yield (TTM)1.91%0.49%
Dividend Payout Ratio (TTM)35.18%8.03%

Valuation

P/E Ratio (TTM)

Both Aflac (AFL) at 18.11 and W. R. Berkley (WRB) at 15.90 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

WRB

Insurance industry group

15.90

Max
28.37
Q3
18.75
WRB
15.90
Median
12.23
Q1
9.08
Min
2.32
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Aflac (AFL) vs. W. R. Berkley (WRB): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

W. R. Berkley (WRB) at 1.88 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

WRB

Insurance industry group

1.88

Max
4.03
Q3
2.25
WRB
1.88
Median
1.23
Q1
0.85
Min
0.07
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Aflac (AFL) vs. W. R. Berkley (WRB): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Aflac (AFL) at 2.10 is valued about in line with its industry on P/B ratio, while W. R. Berkley (WRB) at 3.04 carries an above-peer premium to book — WRB is pricier on assets.

AFL

Insurance industry group

2.10

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

WRB

Insurance industry group

3.04

Max
5.07
WRB
3.04
Q3
2.79
Median
1.76
Q1
1.23
Min
0.30
Loading chart…
Aflac (AFL) vs. W. R. Berkley (WRB): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Aflac (AFL) and W. R. Berkley (WRB)
MetricAFLWRB
P/E Ratio (TTM)18.1115.90
P/S Ratio (TTM)3.701.88
P/B Ratio (MRQ)2.103.04
Free Cash Flow Yield (TTM)----