AFL
Price
$124.61
Change
-$2.05 (-1.62%)
Updated
Aug 7 closing price
Capitalization
62.59B
87 days until earnings call
Intraday BUY SELL Signals
CNO
Price
$55.16
Change
-$0.32 (-0.58%)
Updated
Aug 7 closing price
Capitalization
5.1B
87 days until earnings call
Intraday BUY SELL Signals
GNW
Price
$9.69
Change
-$0.02 (-0.21%)
Updated
Aug 7 closing price
Capitalization
3.71B
94 days until earnings call
Intraday BUY SELL Signals
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AFL or CNO or GNW

AFL vs CNO vs GNW Comparison Chart in %
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A.I.Advisor
Aug 03, 2026

Which Stock Would AI Choose? Aflac (AFL) vs. CNO Financial Group (CNO) vs. Genworth Financial (GNW) Stock Comparison

Key Takeaways

  • Aflac (AFL) focuses on supplemental health and life insurance products, providing relatively stable cash flows through its established U.S. and Japanese operations.
  • CNO Financial Group (CNO) targets middle-market customers with life, health, and annuity products, showing sensitivity to interest rate environments and consumer spending patterns.
  • Genworth Financial (GNW) operates in long-term care, life insurance, and mortgage insurance, with performance influenced by claims experience and housing market trends.
  • Recent market activity has highlighted differences in sector exposure, with insurance peers reacting variably to macroeconomic signals such as interest rates and employment data.
  • Relative positioning among the three reflects contrasts in business model diversification, capital deployment strategies, and exposure to regulatory or demographic shifts.
  • Market sentiment remains tied to broader financial sector dynamics, with each stock exhibiting distinct volatility profiles during periods of economic uncertainty.

Introduction

This comparison examines three publicly traded insurance companies—Aflac (AFL), CNO Financial Group (CNO), and Genworth Financial (GNW)—to help traders and investors evaluate their relative positioning in the current market environment. These stocks operate in overlapping yet differentiated segments of the insurance industry, making them relevant for those seeking exposure to financial services with varying risk and growth characteristics. Professional investors monitoring sector rotation, as well as individual traders assessing insurance names for portfolio diversification, may find this analysis useful for understanding contrasts in business models, recent performance drivers, and market sentiment without favoring any single name.

AFL Overview and Recent Performance

Aflac Incorporated provides supplemental health and life insurance products primarily in the United States and Japan. The company’s business model emphasizes voluntary benefits that complement employer-sponsored coverage. In recent market activity, AFL has demonstrated resilience amid fluctuating interest rates and equity market conditions, supported by its established distribution channels and consistent premium income. Sentiment has been shaped by steady claims management and international exposure, with performance reflecting broader insurance sector responses to economic indicators rather than isolated company-specific events.

CNO Overview and Recent Performance

CNO Financial Group, Inc. offers life insurance, health insurance, and annuity products targeted at middle-market consumers. Its operations focus on protection and retirement solutions through multiple distribution channels. During recent market activity, CNO has shown responsiveness to interest rate movements and consumer behavior trends, with performance influenced by net investment income and policy persistency. Market sentiment has reflected the company’s positioning in a segment sensitive to economic cycles, resulting in measured price behavior aligned with peer insurance names.

GNW Overview and Recent Performance

Genworth Financial, Inc. provides long-term care insurance, life insurance, and mortgage insurance products. The company’s results are closely linked to demographic trends, claims experience in long-term care, and housing market conditions. In recent market activity, GNW has exhibited volatility tied to these factors, with sentiment affected by regulatory considerations and capital adequacy metrics. Performance has mirrored industry-wide reactions to macroeconomic variables, maintaining a profile consistent with its specialized product mix.

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Head-to-Head Comparison

The three companies differ in core business models: Aflac emphasizes supplemental coverage with international diversification, CNO targets middle-market protection and retirement products, and Genworth concentrates on long-term care alongside mortgage insurance. Growth drivers include demographic aging for all three, yet each faces distinct sensitivities—CNO to interest rates, Genworth to claims and housing cycles, and Aflac to currency and regulatory factors in Japan. Recent momentum has varied with sector sentiment, while risk factors encompass interest rate exposure, regulatory capital requirements, and policyholder behavior. Valuation sensitivity appears higher for names with greater long-duration liabilities, and market positioning reflects trade-offs between stability and cyclical exposure within the broader insurance sector.

Tickeron AI Verdict

Based on observable factors such as trend consistency, relative stability, and positioning within current market conditions, Tickeron’s AI would likely assign a modest probabilistic preference to Aflac (AFL) among the three, citing its diversified revenue streams and historically steadier performance profile. CNO (CNO) and Genworth (GNW) present contrasting risk-return characteristics that could appeal under different scenarios. This assessment reflects data-driven pattern recognition rather than forward-looking guarantees.

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

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COMPARISON
Comparison
Aug 09, 2026
Stock price -- (AFL: $124.61CNO: $55.16GNW: $9.69)
Brand notoriety: AFL and CNO are not notable and GNW is notable
The three companies represent the Life/Health Insurance industry
Current volume relative to the 65-day Moving Average: AFL: 104%, CNO: 67%, GNW: 96%
Market capitalization -- AFL: $62.59B, CNO: $5.1B, GNW: $3.71B
$AFL is valued at $62.59B, while CNO has a market capitalization of $5.1B, and GNW's market capitalization is $3.71B. The market cap for tickers in this @Life/Health Insurance ranges from $154.94B to $0. The average market capitalization across the @Life/Health Insurance industry is $19.34B.

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 whileCNO’s FA Score has 2 green FA rating(s), and GNW’s FA Score reflects 1 green FA rating(s).

  • AFL’s FA Score: 1 green, 4 red.
  • CNO’s FA Score: 2 green, 3 red.
  • GNW’s FA Score: 1 green, 4 red.
According to our system of comparison, CNO and GNW are a better buy in the long-term than AFL.

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 2 TA indicator(s) are bullish while CNO’s TA Score has 4 bullish TA indicator(s), and GNW’s TA Score reflects 4 bullish TA indicator(s).

  • AFL’s TA Score: 2 bullish, 6 bearish.
  • CNO’s TA Score: 4 bullish, 4 bearish.
  • GNW’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, CNO is a better buy in the short-term than GNW, which in turn is a better option than AFL.

Price Growth

AFL (@Life/Health Insurance) experienced а -2.25% price change this week, while CNO (@Life/Health Insurance) price change was +0.13% , and GNW (@Life/Health Insurance) price fluctuated -1.42% for the same time period.

The average weekly price growth across all stocks in the @Life/Health Insurance industry was -1.21%. For the same industry, the average monthly price growth was +0.44%, and the average quarterly price growth was +4.37%.

Reported Earning Dates

AFL is expected to report earnings on Nov 04, 2026.

CNO is expected to report earnings on Nov 04, 2026.

GNW is expected to report earnings on Nov 11, 2026.

Industries' Descriptions

@Life/Health Insurance (-1.21% 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.

SUMMARIES
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FUNDAMENTALS
Fundamentals
AFL($62.6B) has a higher market cap than CNO($5.1B) and GNW($3.71B). CNO and GNW has higher P/E ratio than AFL: CNO (19.02) and GNW (18.63) vs AFL (13.44). CNO YTD gains are higher at: 30.902 vs. AFL (14.193) and GNW (7.309). GNW has less debt than CNO and AFL: GNW (1.51B) vs CNO (4.3B) and AFL (7.91B). AFL has higher revenues than GNW and CNO: AFL (18.3B) vs GNW (7.07B) and CNO (4.51B).
AFLCNOGNW
Capitalization62.6B5.1B3.71B
EBITDAN/AN/AN/A
Gain YTD14.19330.9027.309
P/E Ratio13.4419.0218.63
Revenue18.3B4.51B7.07B
Total Cash71.5BN/A8.51B
Total Debt7.91B4.3B1.51B
FUNDAMENTALS RATINGS
AFL vs CNO vs GNW: Fundamental Ratings
AFL
CNO
GNW
OUTLOOK RATING
1..100
882088
VALUATION
overvalued / fair valued / undervalued
1..100
68
Overvalued
54
Fair valued
52
Fair valued
PROFIT vs RISK RATING
1..100
347
SMR RATING
1..100
718892
PRICE GROWTH RATING
1..100
354148
P/E GROWTH RATING
1..100
912039
SEASONALITY SCORE
1..100
505050

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.

GNW's Valuation (52) in the Life Or Health Insurance industry is in the same range as CNO (54) and is in the same range as AFL (68). This means that GNW's stock grew similarly to CNO’s and similarly to AFL’s over the last 12 months.

AFL's Profit vs Risk Rating (3) in the Life Or Health Insurance industry is in the same range as CNO (4) and is in the same range as GNW (7). This means that AFL's stock grew similarly to CNO’s and similarly to GNW’s over the last 12 months.

AFL's SMR Rating (71) in the Life Or Health Insurance industry is in the same range as CNO (88) and is in the same range as GNW (92). This means that AFL's stock grew similarly to CNO’s and similarly to GNW’s over the last 12 months.

AFL's Price Growth Rating (35) in the Life Or Health Insurance industry is in the same range as CNO (41) and is in the same range as GNW (48). This means that AFL's stock grew similarly to CNO’s and similarly to GNW’s over the last 12 months.

CNO's P/E Growth Rating (20) in the Life Or Health Insurance industry is in the same range as GNW (39) and is significantly better than the same rating for AFL (91). This means that CNO's stock grew similarly to GNW’s and significantly faster than AFL’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
AFLCNOGNW
RSI
ODDS (%)
Bearish Trend 3 days ago
37%
Bearish Trend 3 days ago
63%
Bearish Trend 3 days ago
58%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
44%
Bearish Trend 3 days ago
44%
Bullish Trend 3 days ago
85%
Momentum
ODDS (%)
Bearish Trend 3 days ago
42%
Bullish Trend 3 days ago
60%
Bearish Trend 3 days ago
73%
MACD
ODDS (%)
Bearish Trend 3 days ago
38%
Bullish Trend 3 days ago
63%
Bearish Trend 3 days ago
59%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
39%
Bullish Trend 3 days ago
62%
Bearish Trend 3 days ago
59%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
54%
Bullish Trend 3 days ago
61%
Bullish Trend 3 days ago
60%
Advances
ODDS (%)
Bullish Trend 4 days ago
55%
Bullish Trend 5 days ago
63%
Bullish Trend 12 days ago
67%
Declines
ODDS (%)
Bearish Trend 6 days ago
38%
Bearish Trend 3 days ago
48%
Bearish Trend 5 days ago
59%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
48%
Bearish Trend 3 days ago
59%
Bullish Trend 3 days ago
74%
Aroon
ODDS (%)
Bullish Trend 3 days ago
51%
Bullish Trend 3 days ago
59%
Bullish Trend 3 days ago
60%
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AFL
Daily Signal:
Gain/Loss:
CNO
Daily Signal:
Gain/Loss:
GNW
Daily Signal:
Gain/Loss:
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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.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To AFL
1D Price
Change %
AFL100%
-1.62%
CNO - AFL
65%
Loosely correlated
-0.58%
GNW - AFL
47%
Loosely correlated
-0.21%
MET - AFL
46%
Loosely correlated
-2.18%
UNM - AFL
45%
Loosely correlated
+0.84%
PRI - AFL
44%
Loosely correlated
-1.54%
More

CNO and

Correlation & Price change

A.I.dvisor indicates that over the last year, CNO has been loosely correlated with JXN. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if CNO jumps, then JXN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CNO
1D Price
Change %
CNO100%
-0.58%
JXN - CNO
63%
Loosely correlated
-2.53%
PRU - CNO
62%
Loosely correlated
-0.18%
MET - CNO
61%
Loosely correlated
-2.18%
GNW - CNO
61%
Loosely correlated
-0.21%
LNC - CNO
61%
Loosely correlated
-1.37%
More

GNW and

Correlation & Price change

A.I.dvisor indicates that over the last year, GNW has been loosely correlated with CNO. These tickers have moved in lockstep 60% of the time. This A.I.-generated data suggests there is some statistical probability that if GNW jumps, then CNO could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To GNW
1D Price
Change %
GNW100%
-0.21%
CNO - GNW
60%
Loosely correlated
-0.58%
MET - GNW
50%
Loosely correlated
-2.18%
LNC - GNW
49%
Loosely correlated
-1.37%
GL - GNW
48%
Loosely correlated
-1.17%
JXN - GNW
48%
Loosely correlated
-2.53%
More