Stocks / AFL vs CFR

AFL vs CFR: Which Stock Is the Better Buy?

AFLAC Incorporated and Cullen/Frost Bankers, Inc. side by side — fundamentals from SEC filings, refreshed nightly. Sector: Financial Services.

On the fundamentals, CFR grows revenue faster (10.0% vs -5.0%); CFR earns a higher net margin (27.7% vs 21.2%); CFR has the stronger return on equity (14.0% vs 12.4%). Both carry 1 potential red flag in the filings. Full numbers below — the stronger figure on each row is in green.

AI verdict — AFL vs CFR, read from the filings

The stronger business, the cheaper stock, and the risks — synthesised from both companies’ SEC filings, every figure computed not guessed. Not investment advice.

 AFLAC Incorporated (AFL)Cullen/Frost Bankers, Inc. (CFR)
Market cap$9.0B
Revenue (latest FY)$17.16B$2.32B
Net income (latest FY)$3.65B$641.88M
Revenue growth (5y CAGR)-5.0%10.0%
Net margin21.2%27.7%
Return on equity12.4%14.0%
P/E ratio14.614.0
Dividend yield1.9%2.9%
Profitable years (of last 10)1010
Positive free cash flowYes

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Use the filing period and source shown by each tool before treating two figures as comparable.

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See the full AFL vs CFR breakdown

Both companies across 19 years of income statement, balance sheet and cash flow — with ratios, health checks and Ask, the SEC-grounded research assistant. Free, no account needed.

Open AFL's full financials →   Open CFR's full financials →

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Frequently asked questions

Which is bigger, AFL or CFR?

Market capitalization data is not available for both companies.

Which grows faster, AFL or CFR?

Over the last five fiscal years, Cullen/Frost Bankers, Inc. grew revenue faster — 10.0%/yr versus -5.0%/yr, computed from SEC-filed statements.

Where does this data come from?

All figures are computed from official SEC filings (10-K), refreshed nightly. This is a data comparison, not investment advice.

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AFL fundamentals → · CFR fundamentals → · All 1,500+ companies → · Free screener →