Quick Summary — AFL scores higher on quality with 8.5/10 vs CNO's 7.1/10. AFL trades at $113.63 while CNO trades at $46.85. Both analyzed daily using SEC EDGAR data across 13 institutional models.
AFL scores higher with a 8.5/10 quality rating vs CNO's 7.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.
At $113.63, AFL trades +34.1% above its Bayesian DCF fair value of $74.84, while CNO at $46.85 trades +31.0% below its estimate of $61.38. AFL shows a wider gap between price and intrinsic value.
AFL earns a Quality of Company score of 8.5/10 compared to CNO's 7.1/10. This moderate difference suggests one company has an edge in fundamental quality, though both may offer investment merit depending on valuation. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.
AFL carries a SAFE value trap risk (17/100) while CNO shows SAFE risk (12/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.
Both AFL and CNO operate in Insurance - Life, which has 19 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).
11 hidden models compare AFL vs CNO differently — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more. Some may disagree with the 2 you see above.
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