Sifting through countless of stocks in the Insurance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in MetLife, Inc. or Aflac Incorporated because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how MetLife, Inc. and Aflac Incorporated compare based on key financial metrics to determine which better meets your investment needs.

About MetLife, Inc. and Aflac Incorporated

MetLife, Inc., a financial services company, provides insurance, annuities, employee benefits, and asset management services worldwide. It operates in six segments: Group Benefits; Retirement and Income Solutions; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings. The company offers life, dental, group short-and long-term disability, paid family and medical leave, individual disability, accidental death and dismemberment, accident and health, vision, and pet insurance, as well as prepaid legal plans; administrative services-only arrangements to employers; and general and separate account, and synthetic guaranteed interest contracts, as well as private floating rate funding agreements. It also provides pension risk transfers, institutional income annuities, structured settlements, and capital markets investment products; and other products and services, such as life insurance products and funding agreements for funding postretirement benefits, as well as company, bank, or trust-owned life insurance used to finance nonqualified benefit programs for executives. In addition, it offers fixed, indexed-linked, and variable annuities; pension products; regular savings products; whole and term life, endowments, universal and variable life, and group life products; longevity and funded reinsurance solutions; credit insurance products; accident & health products covering hospitalization, cancer, critical illness, income protection, and scheduled medical reimbursement plans; and protection against long-term health care services. The company was incorporated in 1999 and is based in New York, New York.

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan. Its Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company also provides hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as cafeteria plans. It sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.

Latest Insurance and MetLife, Inc., Aflac Incorporated Stock News

As of September 1, 2026, MetLife, Inc. had a $60.0 billion market capitalization, compared to the Insurance median of $7.2 million. MetLife, Inc.’s stock is up 22.3% in 2026, in the previous five trading days and up 16.05% in the past year.

Currently, MetLife, Inc.’s price-earnings ratio is 18.1. MetLife, Inc.’s trailing 12-month revenue is $79.4 billion with a 4.6% net profit margin. Year-over-year quarterly sales growth most recently was 10.5%. Analysts expect adjusted earnings to reach $9.839 per share for the current fiscal year. MetLife, Inc. currently has a 2.5% dividend yield.

As of September 1, 2026, Aflac Incorporated had a $58.2 billion market cap, putting it in the 94th percentile of all stocks. Aflac Incorporated’s stock is up 6.3% in 2026, down 0.2% in the previous five trading days and up 8.57% in the past year.

Currently, Aflac Incorporated’s price-earnings ratio is 12.4. Aflac Incorporated’s trailing 12-month revenue is $18.1 billion with a 26.9% net profit margin. Year-over-year quarterly sales growth most recently was -1.0%. Analysts expect adjusted earnings to reach $7.015 per share for the current fiscal year. Aflac Incorporated currently has a 2.1% dividend yield.

How We Compare MetLife, Inc. and Aflac Incorporated Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at MetLife, Inc. and Aflac Incorporated’s stock grades to see how they measure up against one another.

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MetLife, Inc. and Aflac Incorporated Stock Value Grades

Company	Ticker	Value
MetLife, Inc.	MET	B
Aflac Incorporated	AFL	C

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

MetLife, Inc. has a Value Score of 78, which is Value. Aflac Incorporated has a Value Score of 54, which is Average.

The Value Stock Winner: MetLife, Inc.

As you can clearly see from the Value Grade breakdown above, MetLife, Inc. is considered to have better value than Aflac Incorporated. For investors who focus solely on a company’s valuation, MetLife, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

MetLife, Inc. and Aflac Incorporated Growth Grades

Company	Ticker	Growth
MetLife, Inc.	MET	B
Aflac Incorporated	AFL	F

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

MetLife, Inc. has a Growth Score of 73, which is Strong. Aflac Incorporated has a Growth Score of 16, which is Very Weak.

The Growth Grade Winner: MetLife, Inc.

As you can clearly see from the Growth Grade breakdown above, MetLife, Inc. has a more attractive growth grade than Aflac Incorporated. For investors who focus solely on how a company is growing relative to other companies in the same industry, MetLife, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

MetLife, Inc. and Aflac Incorporated’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
MetLife, Inc.	MET	C
Aflac Incorporated	AFL	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

MetLife, Inc. has a Earnings Estimate Score of 52, which is Neutral. Aflac Incorporated has a Earnings Estimate Score of 28, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither MetLife, Inc. or Aflac Incorporated has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if MetLife, Inc. or Aflac Incorporated is the better investment when it comes to estimate revisions.

Other MetLife, Inc. and Aflac Incorporated Grades

In addition to Value, Growth and Estimate Revisions, A+ Investor also provides grades for Momentum and Quality.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether MetLife, Inc. and Aflac Incorporated pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, MetLife, Inc. or Aflac Incorporated Stock?

Overall, MetLife, Inc. stock has a Value Score of 78, Growth Score of 73 and Estimate Revisions Score of 52.

Aflac Incorporated stock has a Value Score of 54, Growth Score of 16 and Estimate Revisions Score of 28.

Comparing MetLife, Inc. and Aflac Incorporated’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.