COMP <GO>
AFL vs BAC // 10Y YIELD & FRED MACRO BETA
AFLAC Incorporated (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: AFL 7
— BAC 6
▲ 10Y YIELD & FRED MACRO BETA LEADER: AFL
LAST: $123.89 (+0.28%) • MKT CAP: $61.94B
macro-sensitivity
0.91
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
macro-sensitivity
0.90
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AFL VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AFL | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 5.90% | 2.50% | +3.40 | AFL | /roic <GO> |
| EV/EBITDA & P/E Valuation | 18.1x | 30.2x | -12.10 | AFL | /valuation <GO> |
| Free Cash Flow Yield | 2.88% | 2.10% | +0.78 | AFL | /fcf-yield <GO> |
| Operating Margin | 25.90% | 32.90% | -7.00 | BAC | /operating-margins <GO> |
| Net Profit Margin | 21.20% | 27.00% | -5.80 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | -9.30% | 6.80% | -16.10 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.93% | 0.00% | +1.93 | AFL | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.52 | 0.45 | +1.07 | AFL | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 7/9 | -2.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.60% | 6.60% | 0.00 | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 67.4 | 27.7 | +39.73 | AFL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.91 | 0.90 | +0.01 | AFL | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.8x | 10.9x | +4.90 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $61.94B | $357.61B | -$295.67B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AFL REV | BAC REV | AFL GROSS % | BAC GROSS % | AFL FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $17.16B | $113.10B | 44.0% | 44.0% | $1.78B | $7.52B |
| FY 2024 | $18.93B | $105.86B | 44.0% | 44.0% | $1.86B | -$13.57B |
| FY 2023 | $18.70B | $102.77B | 44.0% | 44.0% | $2.35B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AFL // BETA 0.91
BAC // BETA 0.90