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AFL vs JPM

AFL
Aflac Incorporated
BEARISH
Price
$109.72
Market Cap
$57.51B
Sector
Financial Services
AI Confidence
75%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AFL
16.09
JPM
15.68
Forward P/E
AFL
14.12
JPM
13.42
P/B Ratio
AFL
1.93
JPM
2.47
P/S Ratio
AFL
3.35
JPM
5.03
EV/EBITDA
AFL
12.86
JPM
--

Profitability

Gross Margin
AFL
46.64%
JPM
0.0%
Operating Margin
AFL
33.56%
JPM
41.06%
Profit Margin
AFL
21.24%
JPM
33.91%
ROE
AFL
13.12%
JPM
16.13%
ROA
AFL
2.54%
JPM
1.35%

Growth

Revenue Growth
AFL
-9.9%
JPM
2.5%
Earnings Growth
AFL
-22.9%
JPM
-3.6%

Financial Health

Debt/Equity
AFL
0.43
JPM
--
Current Ratio
AFL
1.07
JPM
--
Quick Ratio
AFL
0.95
JPM
--

Dividends

Dividend Yield
AFL
2.22%
JPM
1.91%
Payout Ratio
AFL
34.02%
JPM
28.97%

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%)
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

AFL vs JPM: Head-to-Head Comparison

This page compares Aflac Incorporated (AFL) and JPMorgan Chase & Co. (JPM) 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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