Reviewing Aflac (NYSE:AFL) & Hamilton Insurance Group (NYSE:HG)

Hamilton Insurance Group (NYSE:HG) and Aflac (NYSE:AFL) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, risk, analyst recommendations, dividends, earnings, institutional ownership and valuation.

Analyst Ratings

This is a breakdown of recent ratings for Hamilton Insurance Group and Aflac, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Hamilton Insurance Group	0	3	4	2	2.89
Aflac	4	8	3	1	2.06

Hamilton Insurance Group currently has a consensus target price of $36.62, indicating a potential downside of 4.98%. Aflac has a consensus target price of $117.53, indicating a potential downside of 6.50%. Given Hamilton Insurance Group’s stronger consensus rating and higher possible upside, research analysts clearly believe Hamilton Insurance Group is more favorable than Aflac.

Profitability

This table compares Hamilton Insurance Group and Aflac’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Hamilton Insurance Group	16.83%	23.76%	6.64%
Aflac	21.24%	12.82%	3.30%

Risk and Volatility

Hamilton Insurance Group has a beta of 0.33, meaning that its stock price is 67% less volatile than the S&P 500. Comparatively, Aflac has a beta of 0.55, meaning that its stock price is 45% less volatile than the S&P 500.

Insider & Institutional Ownership

29.2% of Hamilton Insurance Group shares are owned by institutional investors. Comparatively, 67.4% of Aflac shares are owned by institutional investors. 3.0% of Hamilton Insurance Group shares are owned by company insiders. Comparatively, 0.8% of Aflac shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares Hamilton Insurance Group and Aflac”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Hamilton Insurance Group	$2.91 billion	1.31	$576.67 million	$5.23	7.37
Aflac	$16.87 billion	3.74	$3.65 billion	$6.86	18.32

Aflac has higher revenue and earnings than Hamilton Insurance Group. Hamilton Insurance Group is trading at a lower price-to-earnings ratio than Aflac, indicating that it is currently the more affordable of the two stocks.

Summary

Aflac beats Hamilton Insurance Group on 8 of the 15 factors compared between the two stocks.

About Hamilton Insurance Group

Hamilton Insurance Group is a global specialty insurance and reinsurance company headquartered in Bermuda. Founded in 2013, it operates through businesses in Bermuda, the United States and the United Kingdom. The company underwrites a range of property, casualty and specialty risks, offering insurance and reinsurance products to businesses and other clients. Its operations include Hamilton Re in Bermuda, Hamilton Global Specialty in London and Hamilton Select in the United States. Pina Albo became Hamilton Insurance Group’s chief executive officer in 2023.

About Aflac

Aflac Incorporated is an insurance company that provides supplemental health and life insurance to individuals and businesses. Its products are designed to help customers manage expenses that may not be covered by major medical insurance, including costs associated with accidents, cancer, critical illness and hospital stays. The company operates primarily in the United States and Japan. In the U.S., Aflac offers workplace benefits such as accident, disability, dental, vision and life insurance. In Japan, it provides products including cancer, medical and life insurance.