AFLAflac

$120.51+15% 1Y

$120.51

$104.0652 weeks$129.52

Is the business good?

Mixed

The checks split: nothing decisive, though margins widening.

1 good, 1 neutral, 2 without data

Margin direction, 3 years+2.1 pts

Operating margin has widened over the past few years, the business is getting more profitable per dollar of sales.

Where ROE comes from4% ROA

Margin-driven, fat margins on slower asset turns. ROE 15% = margin × turnover × leverage.

All from derived.

Where this answer is blind. The F-score rewards improvement, so an already-elite company can score mid-pack.

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