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AFL vs BRK-B

AFL
Aflac Incorporated
BEARISH
Price
$109.72
Market Cap
$57.51B
Sector
Financial Services
AI Confidence
75%
BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AFL
16.09
BRK-B
15.46
Forward P/E
AFL
14.12
BRK-B
22.06
P/B Ratio
AFL
1.93
BRK-B
0.0
P/S Ratio
AFL
3.35
BRK-B
2.79
EV/EBITDA
AFL
12.86
BRK-B
-2.12

Profitability

Gross Margin
AFL
46.64%
BRK-B
26.15%
Operating Margin
AFL
33.56%
BRK-B
32.96%
Profit Margin
AFL
21.24%
BRK-B
18.03%
ROE
AFL
13.12%
BRK-B
9.81%
ROA
AFL
2.54%
BRK-B
5.11%

Growth

Revenue Growth
AFL
-9.9%
BRK-B
-0.7%
Earnings Growth
AFL
-22.9%
BRK-B
-2.5%

Financial Health

Debt/Equity
AFL
0.43
BRK-B
0.19
Current Ratio
AFL
1.07
BRK-B
7.07
Quick Ratio
AFL
0.95
BRK-B
6.62

Dividends

Dividend Yield
AFL
2.22%
BRK-B
--
Payout Ratio
AFL
34.02%
BRK-B
0.0%

AI Verdict

AFL BEARISH

AFL shows bearish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Concerns include weak profitability or high valuation.

Strengths
Strong profitability (21.2% margin)
Low debt with D/E ratio of 0.43
Risks
Weak financial trend (Piotroski F-Score: 3/9)
Declining revenue (-9.9%)
BRK-B NEUTRAL

The deterministic health profile is weak, highlighted by a Piotroski F-Score of 3/9, indicating deteriorating operational efficiency and profitability trends. While the company maintains a fortress balance sheet with a Debt/Equity ratio of 0.19 and a Current Ratio of 7.07, the stock is trading at a significant premium to its growth-based intrinsic value of $217.21. Negative YoY revenue and earnings growth, coupled with a bearish technical trend, offset the positive analyst sentiment and long-term historical performance.

Strengths
Exceptional liquidity with a Current Ratio of 7.07
Very low leverage (Debt/Equity 0.19)
Strong operating margins at 32.96%
Risks
Significant overvaluation relative to intrinsic value ($479.75 vs $217.21)
Negative YoY earnings growth (-2.50%) and revenue growth (-0.70%)
Weak Piotroski F-Score (3/9) suggesting declining financial health trends

Compare Another Pair

AFL vs BRK-B: Head-to-Head Comparison

This page compares Aflac Incorporated (AFL) and Berkshire Hathaway Inc. (BRK-B) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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