Aflac vs MetLife

Aflac and MetLife are presented on this page to compare their business models, financial performance, and market context. The comparison covers strategic approaches, risk profiles, product portfolios, and market positioning to help readers understand how the two insurers operate within the industry. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AFL

Metric

MET

$57.26B

Market Cap

$49.79B

0.62%

Potential Profit

20.71%

Hold

Analyst Rating

Buy

Investment Analysis

Aflac

AFL

Pros

Aflac delivered a strong Q3 2025 with EPS surpassing forecasts by over 40%, improving year-over-year by 15.3%.
The company maintains strong capital ratios and liquidity, supporting financial stability and operational flexibility.
Aflac benefits from diversified revenue streams across U.S. and Japan markets, with strategic initiatives including new product launches and technology upgrades.

Considerations

The Japan segment experienced a 4% decline in net earned premiums, indicating challenges in its key international market.
Aflac’s valuation metrics such as price-to-earnings and price-to-sales ratios are higher than MetLife, suggesting the stock might be relatively expensive.
Investment gains in Q3 included volatile components such as derivatives and foreign currency, potentially adding earnings volatility.

MetLife

MET

Pros

MetLife shows stronger valuation and enterprise metrics overall, including lower P/E and forward P/E ratios relative to Aflac.
The company has a lower price-to-sales ratio, suggesting a potentially more attractive valuation on sales metrics than Aflac.
MetLife operates with broader revenue diversification which gives it a competitive advantage across multiple insurance product lines.

Considerations

MetLife has exhibited higher stock price volatility compared to Aflac, reflecting potentially increased market risk.
Despite its size, MetLife’s maximum drawdown history is similar to Aflac’s, indicating comparable downside risk during market stress.
The lower book value per share compared to Aflac could imply less equity buffer against risks or slower growth in book value.

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.

MetLife (MET)

MetLife, Inc. is a major player in the global financial services industry, offering a broad range of products including insurance, annuities, employee benefits, and asset management. The company serves a diverse client base, from individuals to large institutions, across numerous countries. Its operations are structured into several key segments, covering the Americas, Asia, and Europe, the Middle East, and Africa (EMEA). This gives the company a significant footprint in both developed and emerging markets. For investors, MetLife represents a large, established organisation within the insurance sector. However, like any investment, its value can fluctuate based on market conditions, regulatory changes, and company performance, and returns are not guaranteed. It's important for potential investors to consider if this stock aligns with their own financial goals and risk tolerance.

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Comparison Snapshot