On the stock market since 1980, it operates in the world of money and finance. It has 12,694 employees. Now — the numbers.
This is an established company with proven profits.
An average decline of 5% a year over the last 4 years — the most striking risk in this picture.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
Clearly below the class average.
Growth: Sales growth trails the sector average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Executive Buying: The trades send no strong signal of confidence.
The stock trades below its recent peak — about 10% off the top. A pullback, not a collapse.
The net profit margin is 21% — still a thick cushion, though costs have been eating into it lately.
It pays out $2.35 per share each year — regular cash for whoever holds the stock.
Over the last 3 years, sales fell about 3% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
Over the last 12 months, executives reported 181 sells against just 30 buys. Not an alarm bell by itself, but a number worth watching.
On our five-subject report card, AFL sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: AFL is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.