Aflac vs Manulife

This page compares Aflac and Manulife, examining their business models, financial performance, and market context to help readers understand their approaches and positioning in the industry. The content is neutral and accessible, focusing on structure, results, and context rather than advice. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AFL

Metric

MFC

$57.26B

Market Cap

$61.38B

0.62%

Potential Profit

-50.50%

Hold

Analyst Rating

Hold

Why It's Moving

Manulife Hits 52-Week High on Analyst Upgrades and Dividend Boost Amid Strong Fundamentals

Analysts piled on with upgrades, including CIBC to strong-buy on January 8 and consensus buy rating with $51.50 average target, highlighting growth potential.
Quarterly EPS of $0.84 beat estimates by $0.10, paired with 16.11% return on equity and $12.90B revenue, demonstrating resilient performance.
Quarterly dividend hiked to $0.44 per share for ~4.8% yield, reinforcing shareholder value while shares climbed steadily through mid-January.

Sentiment:

🐃Bullish

Manulife Hits 52-Week High on Analyst Upgrades and Dividend Boost Amid Strong Fundamentals

Analysts piled on with upgrades, including CIBC to strong-buy on January 8 and consensus buy rating with $51.50 average target, highlighting growth potential.
Quarterly EPS of $0.84 beat estimates by $0.10, paired with 16.11% return on equity and $12.90B revenue, demonstrating resilient performance.
Quarterly dividend hiked to $0.44 per share for ~4.8% yield, reinforcing shareholder value while shares climbed steadily through mid-January.

Sentiment:

🐃Bullish

Investment Analysis

Aflac

AFL

Pros

Aflac's Q3 2025 earnings per share increased by 15.3% year-over-year, significantly beating market expectations with an EPS of $2.49 versus the forecasted $1.77.
The company demonstrated strong revenue growth in Q3 2025, reaching $4.74 billion, surpassing expectations by over 8%.
Aflac maintains strong capital ratios and liquidity, supporting financial stability and operational flexibility.

Considerations

The Japan segment experienced a 4% decline in net earned premiums, indicating challenges in its largest market by sales proportion.
The stock has a moderate beta of 0.66, indicating some market sensitivity which could pose volatility risks in uncertain markets.
Investment gains contributed materially to recent earnings, suggesting some earnings volatility linked to market conditions.

Manulife

MFC

Pros

Manulife Financial has a diversified portfolio with operations spanning Asia, Canada, and the U.S., providing broad geographic exposure.
The company has a strong presence in wealth and asset management, supplementing its core insurance business and supporting growth.
Manulife has been investing in digital transformation initiatives to improve customer experience and operational efficiency.

Considerations

Manulife’s earnings are sensitive to market volatility and interest rate changes due to its asset-heavy insurance business model.
The company faces regulatory and macroeconomic risks related to its geographic diversification, including exposure to Asian markets.
Manulife’s profitability has been pressured by low interest rates over recent years, impacting investment income.

About The Companies

Aflac (AFL)

Aflac Inc. is a major player in the insurance world, providing financial protection to millions of people. The company's main business is offering supplemental health and life insurance, which is designed to help policyholders cover costs that their primary insurance might not. Aflac operates through two main segments: Aflac U.S. and Aflac Japan. Its presence in Japan is particularly noteworthy, where it stands as a leading provider of cancer and medical insurance policies. In the United States, its products serve as an extra layer of financial security for individuals who already have major medical coverage. This dual-market strategy has helped Aflac build a significant global footprint. As with any investment, it's important to remember that a company's past performance doesn't guarantee future returns, and the value of investments can go down as well as up.

Manulife (MFC)

Manulife Financial Corporation (MFC) is a Toronto-based multinational insurer and wealth manager operating in Canada, the United States (John Hancock) and across Asia. With a market capitalisation of approximately $53.85 billion, Manulife provides individual and group life and health insurance, retirement solutions, mutual funds and asset management. Its revenue mix includes insurance premiums, investment income and fee-based wealth-management revenue, so results are influenced by premiums, market returns, net flows and investment yields. Key considerations for investors are interest-rate sensitivity, equity-market exposure, currency movements and regulatory capital requirements tied to underwriting risks. The company has historically returned capital via dividends and buybacks, but distributions are subject to change. This summary is educational and not personalised investment advice; investors should assess suitability for their circumstances or consult a financial adviser.

Manulife (MFC) Next Earnings Date

Manulife Financial (MFC) is expected to report its next earnings on February 11, 2026, after market close. This release will cover the Q4 2025 fiscal quarter. Note that the date remains an estimate, as the company has not yet officially confirmed it.

Manulife (MFC) Next Earnings Date

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Comparison Snapshot

Why It's Moving

Manulife Hits 52-Week High on Analyst Upgrades and Dividend Boost Amid Strong Fundamentals

Manulife Hits 52-Week High on Analyst Upgrades and Dividend Boost Amid Strong Fundamentals