Compare Stocks › AAPL vs AFL
Apple Inc. (AAPL) vs Aflac Incorporated (AFL)
AAPL
Apple Inc.
$280.25
VS
AFL
Aflac Incorporated
$112.88
Rewards
AAPL
- ★Apple Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Apple Inc. scores 96/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
AFL
- ★Share count has been reduced by 16% over the past 4 years through buybacks, increasing each share's claim on earnings.
- ★PEG ratio of 0.00 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
Risks
AAPL
- ⚠FCF yield of 2.5% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠Insiders have sold $24.6M worth of stock in the past 3 months — significant insider liquidation.
AFL
- ⚠Altman Z-Score of 1.20 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠6 insider sales totaling $6.4M with no purchases in the past 3 months — insiders are reducing their exposure.
- ⚠Free cash flow has declined at a 13.0% CAGR over the past 4 years — a concerning trend.
Key Valuation Metrics
Learn more →AAPL
AFL
Valuation
$101.09B
Free Cash Flow
N/A
2.46%
FCF Yield
N/A
33.93
Trailing P/E
12.90
29.30
Forward P/E
14.67
Quality & Moat
60.20%
ROIC
11.17%
105.18%
ROE
12.17%
47.86%
Gross Margin
50.05%
1.56
PEG Ratio
0.00
Balance Sheet Safety
0.80
Debt / Equity
0.26
N/A
Interest Coverage
N/A
0.10
Net Debt / EBITDA
0.38
0.39%
Dividend Yield
2.16%
AAPL: 3Ties: 2AFL: 5
AAPLAFL
Historical Fundamentals
Learn more →AAPL
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
AFL
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →AAPL
$7.57
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$257.06B
Δ Market Cap
+$1.94T
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
AFL
$1.23
created per $1 retained over 3 years
Value Creator
Σ Retained
$10.50B
Δ Market Cap
+$12.93B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →AAPL
58.6% Overvalued
Price is 58.6% above estimated fair value
Current Price: $280.25
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $176.66
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
AFL
Insufficient Data
Enter initial FCF to calculate intrinsic value
Current Price: $112.88
Strongly undervalued
Strongly overvalued
Fair Value: $0.00
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AAPL
What growth rate is the market pricing in at $280?
+16.0%
Market-Implied Owner Earnings Growth
Standard FCF implies +17.4%
The market implies +16.0% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +17.4%, reflecting heavy growth investment.
AFL
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →AAPL
96/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
AFL
65/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving reinvestment efficiency would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →AAPL
-2.29
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
AFL
-2.40
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →AAPL
Insiders 1.6%Institutions 65.3%Retail & Other 33.0%
No. of Institutional Holders7,540
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
AFL
Insiders 10.9%Institutions 60.0%Retail & Other 29.1%
No. of Institutional Holders2,095
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →AAPL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
AFL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →AAPL
3
Sells (3M)
11
Sells (12M)
Total value (12M): $112.79M
PAREKH KEVAN
Chief Financial Officer
$421,850
@ $275.00 · 2026-04-23
O'BRIEN DEIRDRE
Officer
$7.66M
@ $255.35 · 2026-04-02
COOK TIMOTHY D
Chief Executive Officer
$16.51M
@ $254.23 · 2026-04-02
KONDO CHRISTOPHER
Officer
$1.02M
@ $271.23 · 2025-11-07
PAREKH KEVAN
Chief Financial Officer
$1.04M
@ $247.39 · 2025-10-16
O'BRIEN DEIRDRE
Officer
$11.07M
@ $257.39 · 2025-10-02
ADAMS KATHERINE L
General Counsel
$12.10M
@ $256.79 · 2025-10-02
COOK TIMOTHY D
Chief Executive Officer
$33.38M
@ $256.81 · 2025-10-02
LEVINSON ARTHUR D
Director
$20.89M
@ $232.07 · 2025-08-28
O'BRIEN DEIRDRE
Officer
$7.77M
@ $223.20 · 2025-08-08
KONDO CHRISTOPHER
Officer
$933,955
@ $208.19 · 2025-05-12
PAREKH KEVAN
Chief Financial Officer
$941,420
@ $206.00 · 2025-04-23
COOK TIMOTHY D
Chief Executive Officer
$24.18M
@ $223.65 · 2025-04-02
ADAMS KATHERINE L
General Counsel
$8.68M
@ $223.67 · 2025-04-02
WILLIAMS JEFFREY E
Chief Operating Officer
$7.95M
@ $224.01 · 2025-04-02
LEVINSON ARTHUR D
Director
$343,147
@ $226.35 · 2025-02-03
LEVINSON ARTHUR D
Director
$45.46M
@ $227.32 · 2024-11-19
KONDO CHRISTOPHER
Officer
$945,233
@ $228.87 · 2024-11-18
MAESTRI LUCA
Chief Financial Officer
$13.43M
@ $226.52 · 2024-10-04
O'BRIEN DEIRDRE
Officer
$13.84M
@ $226.87 · 2024-10-02
ADAMS KATHERINE L
General Counsel
$13.80M
@ $226.20 · 2024-10-02
WILLIAMS JEFFREY E
Chief Operating Officer
$13.55M
@ $226.86 · 2024-10-02
COOK TIMOTHY D
Chief Executive Officer
$50.28M
@ $224.46 · 2024-10-02
KONDO CHRISTOPHER
Officer
$1.96M
@ $225.00 · 2024-08-15
KONDO CHRISTOPHER
Officer
$1.12M
@ $216.50 · 2024-08-09
ADAMS KATHERINE L
General Counsel
$20.64M
@ $206.44 · 2024-08-05
LEVINSON ARTHUR D
Director
$14.37M
@ $191.58 · 2024-05-30
KONDO CHRISTOPHER
Officer
$951,785
@ $190.40 · 2024-05-15
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
AFL
6
Sells (3M)
18
Sells (12M)
Total value (12M): $15.10M
LAKE CHARLES D II
Officer
$536,365
@ $107.27 · 2026-03-25
KOIDE MASATOSHI
Officer
$1.70M
@ $109.93 · 2026-03-11
LAKE CHARLES D II
Officer
$1.71M
@ $109.93 · 2026-03-11
MOSKOWITZ JOSEPH L
Director
$66,054
@ $110.09 · 2026-03-09
BEAVER STEVEN KENT
Officer
$839,015
@ $113.58 · 2026-02-20
BRODEN MAX
Chief Financial Officer
$1.53M
@ $117.67 · 2026-02-06
BEAVER STEVEN KENT
Officer
$601,520
@ $109.53 · 2025-12-12
BEAVER STEVEN KENT
Officer
$377,166
@ $109.26 · 2025-12-05
TILLMAN AUDREY BOONE
Officer
$1.78M
@ $112.00 · 2025-11-18
MOSKOWITZ JOSEPH L
Director
$89,404
@ $113.75 · 2025-11-17
TILLMAN AUDREY BOONE
Officer
$397,325
@ $115.10 · 2025-11-14
MOSKOWITZ JOSEPH L
Director
$114,000
@ $114.00 · 2025-11-07
SIMARD FREDERIC JEAN GUY
Officer
$193,725
@ $112.50 · 2025-11-06
MOSKOWITZ JOSEPH L
Director
$102,570
@ $102.57 · 2025-08-08
KOIDE MASATOSHI
Officer
$3.91M
@ $105.59 · 2025-05-20
COLLINS ARTHUR REGINALD
Director
$290,689
@ $105.71 · 2025-05-15
KENNY THOMAS J
Director
$762,238
@ $106.34 · 2025-05-09
MOSKOWITZ JOSEPH L
Director
$106,790
@ $106.79 · 2025-05-08
LAKE CHARLES D II
Officer
$5.69M
@ $107.44 · 2025-03-10
MOSKOWITZ JOSEPH L
Director
$107,630
@ $107.63 · 2025-03-07
KOIDE MASATOSHI
Officer
$2.36M
@ $107.63 · 2025-03-07
TILLMAN AUDREY BOONE
Officer
$2.56M
@ $103.40 · 2024-12-27
MOSKOWITZ JOSEPH L
Director
$64,998
@ $108.33 · 2024-11-08
MOSKOWITZ JOSEPH L
Director
$59,730
@ $99.55 · 2024-08-08
KENNY THOMAS J
Director
$197,890
@ $98.94 · 2024-08-07
LAKE CHARLES D II
Officer
$1.96M
@ $87.47 · 2024-05-21
MOSKOWITZ JOSEPH L
Director
$50,904
@ $84.84 · 2024-05-08
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →AAPL
😏Greed(71/100)
"Market is optimistic — be cautious and ensure you have a margin of safety"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
AFL
😏Greed(62/100)
"Market is optimistic — be cautious and ensure you have a margin of safety"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →AAPL
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Greed (71)
AFL
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Greed (62)