Stocks / AFL vs STEL

AFL vs STEL: Which Stock Is the Better Buy?

AFLAC Incorporated and Stellar Bancorp, Inc. side by side — fundamentals from SEC filings, refreshed nightly. Sector: Financial Services.

On the fundamentals, STEL earns a higher net margin (24.3% vs 21.2%); AFL has the stronger return on equity (12.4% vs 6.2%); AFL trades cheaper on earnings (14.6× vs 18.6×). On the filings, STEL carries fewer potential red flags (0 vs 1). Full numbers below — the stronger figure on each row is in green.

AI verdict — AFL vs STEL, 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)Stellar Bancorp, Inc. (STEL)
Market cap$2.0B
Revenue (latest FY)$17.16B$423.80M
Net income (latest FY)$3.65B$102.87M
Revenue growth (5y CAGR)-5.0%
Net margin21.2%24.3%
Return on equity12.4%6.2%
P/E ratio14.618.6
Dividend yield1.9%1.6%
Profitable years (of last 10)1010
Positive free cash flowYes

Verify the comparison

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

Compare with another company:

See the full AFL vs STEL 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 STEL's full financials →

More comparisons

Frequently asked questions

Which is bigger, AFL or STEL?

Market capitalization data is not available for both companies.

Which grows faster, AFL or STEL?

Five-year growth data is not available for both companies.

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.

Keep exploring

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