Aflac vs CNO Financial
AFL and CNO 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 CNO compare
Aflac is the larger company, worth 12 times as much as CNO Financial ($64.0B against $5.3B).
On earnings, CNO Financial is cheaper: it trades at 13.1× trailing earnings, against 18.6× for Aflac.
CNO Financial grew revenue faster over the last twelve months (2.3% versus −6.2% for Aflac).
Aflac keeps more of each dollar of sales as profit, with a net margin of 21.2% compared with 9.2% at CNO Financial.
Both pay dividends: Aflac yields 1.9% and CNO Financial 1.2%.
CNO Financial scores higher on the StockData Score (10 against 8 for Aflac), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | AFL | CNO |
|---|---|---|
| Size and price | ||
| Market cap | $64.0B | $5.3B |
| Share price | $127.61 | $57.47 |
| Change, 1 year | 11.3% | 38.0% |
| Change, 5 years | 130% | 140% |
| Beta (5Y) | 0.60 | 0.87 |
| Employees | 6,996 | 3,300 |
| StockData Score | ||
| Total score | 8 | 10 (better) |
| Valuation score | 2 | 2 |
| Growth score | 0 | 1 (better) |
| Performance score | 3 | 4 (better) |
| Health score | 0 | 0 |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 18.6× | 13.1× (better) |
| P/S | 3.9× | 1.2× (better) |
| P/B | 2.2× (better) | 2.3× |
| EV/EBITDA | – | 3.9× |
| Fair value | $119.86 | $57.70 |
| Margin of safety | −6.5% | 0.39% (better) |
| Growth | ||
| Revenue growth (TTM) | −6.2% | 2.3% (better) |
| Revenue growth, 5Y average | −5.0% | 3.3% (better) |
| Net income growth (TTM) | −15.4% | 30.8% (better) |
| EPS growth (TTM) | −10.4% | 41.3% (better) |
| EPS growth, 5Y average | 0.45% | 1.7% (better) |
| Profitability | ||
| Operating margin | – | 14.8% |
| Net margin | 21.2% (better) | 9.2% |
| Return on equity | 12.2% | 16.9% (better) |
| Return on invested capital | – | 45.4% |
| Financial health | ||
| Interest coverage | – | 3.1× |
| Altman Z-score | 1.30 (better) | 0.35 |
| Piotroski F-score | 4 | 5 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.9% (better) | 1.2% |
| Payout ratio | 33.7% | 15.9% |
| Years of dividend growth | 6 | 13 (better) |
| Dividend growth, 5Y average | 15.7% (better) | 7.3% |
| Buyback yield | 5.6% (better) | 4.5% |
| Shareholder yield | 7.5% (better) | 5.8% |
| Ownership | ||
| Held by institutions | 68.7% | 95.8% |
| Held by insiders | 0.70% | 3.4% |
| Insider net buying, 12 months | −$263M | −$18.4M (better) |
| Short interest, % of float | 1.8% | 2.9% |
Go deeper
- AFL stock overview
- AFL income statement
- AFL valuation and score
- CNO stock overview
- CNO income statement
- CNO valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.