COMPARE · Data as of August 28, 2026
AFL vs PRU
Verdict: Side-by-side breakdown using the Bull Rankings model. AFL scored 69.0, PRU scored 73.0 — PRU leads.
Compare another set
AFL
Aflac Incorporated
65.5Fin
$116.52 · $58.4B
fundamentals as of
Strength gap
6.2
PRU leads
PRU
Prudential Financial, Inc.
71.7Fin
$120.19 · $41.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestPRU10.9x
- Fastest growthAFL-9.3%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
AFL
PRU
-9.3%D
Rev
-13.7%D
12.6xB
P/E
10.9xA-
16.9%B+
ROE
12.0%B
1.93B
P/B
1.32B+
2.1%B
Yield
4.7%B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
AFLAflac Incorporated
Why now
Insurance - Life · market cap $58.4b. 11% off the 52-week high of $130.22. Revenue -9% — in contraction; any catalyst that reverses this triggers re-rating. 15 sell-side analysts rate this a Hold with a mean 1-yr target of $118.53 (implying +2% upside).
Moat
Net margin 27% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. $58.4b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Revenue contracting -9% — the operational turn is not yet visible in the top line. Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
PRUPrudential Financial, Inc.
Why now
Insurance - Life · market cap $41.5b. 6% off the 52-week high of $127.72. Revenue -14% — in contraction; any catalyst that reverses this triggers re-rating. PEG 0.88 — paying under fair value for the growth rate. 15 sell-side analysts rate this a Hold with a mean 1-yr target of $113.40 (implying -6% upside).
Moat
ROE 12% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Revenue contracting -14% — the operational turn is not yet visible in the top line. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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