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AFL vs UNM
Which Stock Would AI Choose? Aflac Incorporated (AFL) vs. Unum Group (UNM) Stock Comparison
Key Takeaways
- AFL has outperformed UNM in recent market activity, with year-to-date gains near 5% compared to UNM's roughly 1%.
- AFL boasts a larger market capitalization of about $59 billion versus UNM's $12.5 billion, reflecting greater scale in supplemental insurance.
- Both stocks offer attractive dividend yields around 2%, with UNM slightly higher at 2.37% amid stable payouts.
- UNM trades at a lower forward P/E (price-to-earnings) ratio of 8.22 versus AFL's 14.53, suggesting potential value if growth accelerates.
- Recent analyst adjustments show mixed sentiment, with upcoming earnings for both likely to influence short-term momentum.
- AFL's international exposure, particularly in Japan, provides diversification contrasting UNM's focus on group benefits in core markets.
Introduction
Aflac Incorporated (AFL) and Unum Group (UNM) operate in the insurance sector, focusing on supplemental and group benefits that address gaps in traditional coverage. This comparison is relevant for investors seeking stability in financial services amid volatile markets, as both deliver steady dividends and low volatility profiles. Traders monitoring relative performance may find insights into momentum shifts, valuation trade-offs, and sector catalysts, particularly with earnings seasons approaching. Understanding their business models, recent trends, and head-to-head metrics aids informed positioning in insurance stocks.
AFL Overview and Recent Performance
Aflac Incorporated (AFL) specializes in supplemental insurance products, including accident, cancer, critical illness, and life coverage, sold primarily in the U.S. and Japan. Its business model emphasizes voluntary benefits that pay cash directly to policyholders, generating resilient premiums even in economic downturns. In recent weeks, AFL stock has traded near its 52-week high of $119.32, currently around $115 with a modest daily gain. Year-to-date performance stands at approximately 5%, supported by positive sentiment around Japan operations and corporate philanthropy initiatives like cancer support partnerships. A recent 5% pullback reflected broader market caution, but recovery signals strength, bolstered by a low beta of 0.65 (indicating lower volatility than the market) and upcoming Q1 earnings on April 29. Analyst views are mixed, with some maintaining underperform ratings amid valuation concerns.
UNM Overview and Recent Performance
Unum Group (UNM) provides financial protection benefits, including group disability, life, accident, and critical illness insurance, targeting employers in the U.S., U.K., and Poland. Its model centers on workplace solutions that protect income for workers facing illness or injury, with a strong emphasis on long-term disability coverage. Recently, UNM has shown modest gains, trading around $77.50 within a 52-week range of $68.28 to $83.13. Year-to-date returns hover near 1%, with one-year performance flat at 0.5%, reflecting steady but unremarkable momentum amid analyst price target adjustments. An ultra-low beta of 0.18 underscores exceptional stability, appealing to risk-averse investors. Sentiment has been influenced by prior earnings commentary on claims trends, though Q1 results due April 28 could provide catalysts for renewed interest.
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Head-to-Head Comparison
AFL and UNM both thrive in life and health insurance but differ in focus: AFL's individual supplemental policies offer Japan diversification, while UNM's group benefits emphasize U.S./U.K. workplace income protection. Growth drivers include AFL's higher revenue ($17B TTM vs. $13B) and EPS ($6.82 vs. $4.27), though UNM's lower forward P/E signals expected earnings acceleration. Recent momentum favors AFL with superior YTD and one-year returns, contrasting UNM's stability. Risk profiles highlight UNM's edge in lower beta (0.18 vs. 0.65), potentially reducing drawdowns, while AFL exposes investors to currency fluctuations. Market sentiment tilts toward AFL's scale and catalysts like Japan recovery, versus UNM's value appeal amid claims management scrutiny.
Tickeron AI Verdict
Tickeron’s AI models would likely favor AFL in the current environment, given its consistent trend strength, superior relative performance over recent periods, and robust scale with international buffers. UNM's compelling valuation and stability present trade-offs, but AFL's momentum and positioning suggest higher probability of near-term upside, particularly post-earnings, based on observable trend data and sector dynamics.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is AFL is a Buy and UNM is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
AFL’s FA Score shows that 1 FA rating(s) are green whileUNM’s FA Score has 2 green FA rating(s).
- AFL’s FA Score: 1 green, 4 red.
- UNM’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
AFL’s TA Score shows that 3 TA indicator(s) are bullish while UNM’s TA Score has 3 bullish TA indicator(s).
- AFL’s TA Score: 3 bullish, 6 bearish.
- UNM’s TA Score: 3 bullish, 4 bearish.
Price Growth
AFL (@Life/Health Insurance) experienced а -0.35% price change this week, while UNM (@Life/Health Insurance) price change was -1.35% for the same time period.
The average weekly price growth across all stocks in the @Life/Health Insurance industry was +0.14%. For the same industry, the average monthly price growth was +2.21%, and the average quarterly price growth was +2.92%.
Reported Earning Dates
AFL is expected to report earnings on Aug 06, 2026.
UNM is expected to report earnings on Jul 28, 2026.
Industries' Descriptions
@Life/Health Insurance (+0.14% weekly)Life insurance companies mainly sell policies that pay a death benefit as a lump sum upon the death of the insured to their beneficiaries. Life insurance policies may be sold as term life, (which guarantees payment of a stated death benefit and expires at the end of a specified term) or permanent /typically whole life (which is more expensive but lasts a lifetime and carries a cash accumulation component). Life insurance firms may also sell long-term disability policies that help to replace the insured individual’s income if they become sick or disabled. Health insurance, on the other hand, helps pay for medical expenses. Anthem, Inc., MetLife, Inc. and Aflac Incorporated are some of the largest U.S. companies in this industry.
| AFL | UNM | AFL / UNM | |
| Capitalization | 59.3B | 14.5B | 409% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 6.807 | 18.286 | 37% |
| P/E Ratio | 13.32 | 19.61 | 68% |
| Revenue | 18.3B | 13.2B | 139% |
| Total Cash | 71.5B | 35.5B | 201% |
| Total Debt | 7.91B | 3.76B | 210% |
AFL | UNM | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 74 | 30 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 66 Overvalued | 45 Fair valued | |
PROFIT vs RISK RATING 1..100 | 4 | 4 | |
SMR RATING 1..100 | 71 | 91 | |
PRICE GROWTH RATING 1..100 | 51 | 44 | |
P/E GROWTH RATING 1..100 | 70 | 10 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
UNM's Valuation (45) in the Life Or Health Insurance industry is in the same range as AFL (66). This means that UNM’s stock grew similarly to AFL’s over the last 12 months.
UNM's Profit vs Risk Rating (4) in the Life Or Health Insurance industry is in the same range as AFL (4). This means that UNM’s stock grew similarly to AFL’s over the last 12 months.
AFL's SMR Rating (71) in the Life Or Health Insurance industry is in the same range as UNM (91). This means that AFL’s stock grew similarly to UNM’s over the last 12 months.
UNM's Price Growth Rating (44) in the Life Or Health Insurance industry is in the same range as AFL (51). This means that UNM’s stock grew similarly to AFL’s over the last 12 months.
UNM's P/E Growth Rating (10) in the Life Or Health Insurance industry is somewhat better than the same rating for AFL (70). This means that UNM’s stock grew somewhat faster than AFL’s over the last 12 months.
| AFL | UNM | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 32% | 2 days ago 47% |
| Stochastic ODDS (%) | 2 days ago 47% | 2 days ago 51% |
| Momentum ODDS (%) | 2 days ago 44% | N/A |
| MACD ODDS (%) | 2 days ago 36% | 2 days ago 79% |
| TrendWeek ODDS (%) | 2 days ago 39% | 2 days ago 44% |
| TrendMonth ODDS (%) | 2 days ago 33% | 2 days ago 70% |
| Advances ODDS (%) | 14 days ago 56% | 12 days ago 70% |
| Declines ODDS (%) | 6 days ago 38% | 6 days ago 43% |
| BollingerBands ODDS (%) | 6 days ago 57% | 2 days ago 47% |
| Aroon ODDS (%) | 2 days ago 61% | 2 days ago 67% |
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AFL and
Correlation & Price change
A.I.dvisor indicates that over the last year, AFL has been loosely correlated with CNO. These tickers have moved in lockstep 65% of the time. This A.I.-generated data suggests there is some statistical probability that if AFL jumps, then CNO could also see price increases.
UNM and
Correlation & Price change
A.I.dvisor indicates that over the last year, UNM has been loosely correlated with CNO. These tickers have moved in lockstep 64% of the time. This A.I.-generated data suggests there is some statistical probability that if UNM jumps, then CNO could also see price increases.