Aflac vs Principal Financial
AFL and PFG side by side, both in accident and health insurance and medical. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AFL and PFG compare
Aflac is the larger company, worth 2.6 times as much as Principal Financial ($62.1B against $23.9B).
On earnings, Principal Financial is cheaper: it trades at 12.4× trailing earnings, against 13.3× for Aflac.
Aflac grew revenue faster over the last twelve months (13.6% versus 5.2% for Principal Financial).
Aflac keeps more of each dollar of sales as profit, with a net margin of 26.9% compared with 11.9% at Principal Financial.
Both pay dividends: Aflac yields 1.9% and Principal Financial 2.9%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | AFL | PFG |
|---|---|---|
| Size and price | ||
| Market cap | $62.1B | $23.9B |
| Share price | $123.89 | $111.63 |
| Change, 1 year | 17.2% | 35.4% |
| Change, 5 years | 118% | 61.9% |
| Beta (5Y) | 0.60 | 0.98 |
| Employees | 6,996 | 20K |
| StockData Score | ||
| Total score | 13 | 13 |
| Valuation score | 3 | 4 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 5 (better) | 3 |
| Health score | 0 | 2 (better) |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 13.3× | 12.4× (better) |
| P/S | 3.4× | 1.4× (better) |
| P/B | 2.0× | 2.0× (better) |
| Fair value | $138.43 | $129.39 |
| Margin of safety | 10.5% | 13.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 13.6% (better) | 5.2% |
| Revenue growth, 5Y average | −5.0% | 1.2% (better) |
| Net income growth (TTM) | 99.5% (better) | 25.6% |
| EPS growth (TTM) | 112% (better) | 31.2% |
| EPS growth, 5Y average | 0.45% | 0.78% (better) |
| Profitability | ||
| Net margin | 26.9% (better) | 11.9% |
| Return on equity | 16.9% (better) | 16.8% |
| Financial health | ||
| Debt / equity | – | 0.02 |
| Altman Z-score | 1.27 (better) | 0.17 |
| Piotroski F-score | 4 | 5 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.9% | 2.9% (better) |
| Payout ratio | 24.6% | 35.5% |
| Years of dividend growth | 6 (better) | 3 |
| Dividend growth, 5Y average | 15.7% | – |
| Buyback yield | 6.1% (better) | 3.8% |
| Shareholder yield | 8.0% (better) | 6.7% |
| Ownership | ||
| Held by institutions | 68.7% | 79.8% |
| Held by insiders | 0.70% | 0.76% |
| Insider net buying, 12 months | −$226M | −$5.4M (better) |
| Short interest, % of float | 2.3% | 3.9% |
Go deeper
- AFL stock overview
- AFL income statement
- AFL valuation and score
- PFG stock overview
- PFG income statement
- PFG valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.