Aflac vs Principal Financial
Aflac and Principal Financial are similar in size: $17.16bn and $15.63bn of revenue in their latest fiscal years. Principal Financial grew faster (-3.1% against -9.3%). Aflac kept more of each dollar of sales as profit: a net margin of 21.2% against 7.6%. Aflac carries less debt relative to equity (28.5% against 33.3%).
| Latest fiscal year | AflacAFL, 2025 | Principal FinancialPFG, 2025 |
|---|---|---|
| Revenue | $17.16bn | $15.63bn |
| Revenue growth | -9.3% | -3.1% |
| Net income | $3.65bn | $1.19bn |
| Operating margin | — | — |
| Net margin | 21.2% | 7.6% |
| Return on equity | 13.1% | 10.3% |
| Free cash flow | — | — |
| Cash | $6.25bn | $4.43bn |
| Total debt | $8.41bn | $3.96bn |
| Debt to equity | 28.5% | 33.3% |
| Dividend per share | $2.35 | $3.08 |
| Dividend yield | — | — |
| Share buybacks | $3.53bn | $903m |
| Employees | 6,996 | 19,700 |
| Market value | $62.17bn | $23.96bn |
| Price vs our value range | — | — |
| Moat score | 80 (Strong) | 39 (Weak) |
| Insider trades, 12 months | 0 buys, 233 sales | 1 buys, 12 sales |