FISV vs. AFL
FISV (Fiserv, Inc) and AFL (Aflac Incorporated) are both stocks. FISV operates in Software - Application (Technology), while AFL operates in Insurance - Life (Financial Services). Over the past 10 years, FISV returned 0.17%/yr vs 15.84%/yr for AFL. At a 0.34 correlation, their price movements are largely independent.
Performance
FISV vs. AFL - Performance Comparison
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Returns By Period
In the year-to-date period, FISV achieves a -19.93% return, which is significantly lower than AFL's 7.95% return. Over the past 10 years, FISV has underperformed AFL with an annualized return of 0.17%, while AFL has yielded a comparatively higher 15.84% annualized return.
FISV
- 1D
- 1.36%
- 1M
- 2.69%
- YTD
- -19.93%
- 6M
- -21.77%
- 1Y
- -67.99%
- 3Y*
- -23.21%
- 5Y*
- -13.37%
- 10Y*
- 0.17%
AFL
- 1D
- 1.16%
- 1M
- 2.54%
- YTD
- 7.95%
- 6M
- 8.17%
- 1Y
- 17.23%
- 3Y*
- 21.87%
- 5Y*
- 18.60%
- 10Y*
- 15.84%
FISV vs. AFL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FISV Fiserv, Inc | -19.93% | -67.30% | 54.64% | 31.43% | -2.62% | -8.84% | -1.53% | 57.34% | 12.09% | 23.38% |
AFL Aflac Incorporated | 7.95% | 8.94% | 28.08% | 17.36% | 26.41% | 34.55% | -13.60% | 18.55% | 6.20% | 29.02% |
Correlation
The correlation between FISV and AFL is 0.28, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.28 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.35 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.41 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.42 |
Correlation (All Time) Calculated using the full available price history since Mar 26, 1990 | 0.34 |
The correlation between FISV and AFL shifts across timeframes, from 0.28 (1 year) to 0.42 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
FISV:
$28.79B
AFL:
$60.64B
FISV:
$5.91
AFL:
$8.76
FISV:
9.10
AFL:
13.45
FISV:
0.25
AFL:
3.49
FISV:
1.38
AFL:
3.42
FISV:
1.10
AFL:
2.70
FISV:
$21.09B
AFL:
$18.22B
FISV:
$9.52B
AFL:
$8.70B
FISV:
$7.75B
AFL:
$6.67B
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Return for Risk
FISV vs. AFL — Risk / Return Rank
FISV
AFL
FISV vs. AFL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fiserv, Inc (FISV) and Aflac Incorporated (AFL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FISV | AFL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.23 | ||
| Sortino ratioReturn per unit of downside risk | -3.31 | ||
| Omega ratioGain probability vs. loss probability | 0.64 | 1.18 | -0.54 |
| Calmar ratioReturn relative to maximum drawdown | -0.97 | 1.90 | -2.87 |
| Martin ratioReturn relative to average drawdown | -1.29 | 4.72 | -6.00 |
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Drawdowns
FISV vs. AFL - Drawdown Comparison
The maximum FISV drawdown since its inception was -77.98%, smaller than the maximum AFL drawdown of -82.71%. Use the drawdown chart below to compare losses from any high point for FISV and AFL.
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Drawdown Indicators
| FISV | AFL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -77.98% | -82.71% | +4.73% |
Max Drawdown (1Y)Largest decline over 1 year | -70.17% | -9.11% | -61.06% |
Max Drawdown (3Y)Largest decline over 3 years | -77.98% | -13.56% | -64.42% |
Max Drawdown (5Y)Largest decline over 5 years | -77.98% | -19.86% | -58.12% |
Max Drawdown (10Y)Largest decline over 10 years | -77.98% | -54.89% | -23.09% |
Current DrawdownCurrent decline from peak | -77.38% | -0.37% | -77.01% |
Average DrawdownAverage peak-to-trough decline | -11.18% | -11.65% | +0.47% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 52.85% | 3.66% | +49.19% |
Volatility
FISV vs. AFL - Volatility Comparison
Fiserv, Inc (FISV) has a higher volatility of 11.15% compared to Aflac Incorporated (AFL) at 5.65%. This indicates that FISV's price experiences larger fluctuations and is considered to be riskier than AFL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FISV | AFL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 11.15% | 5.65% | +5.50% |
Volatility (6M)Calculated over the trailing 6-month period | 26.49% | 12.28% | +14.21% |
Volatility (1Y)Calculated over the trailing 1-year period | 55.98% | 17.07% | +38.91% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 35.61% | 20.93% | +14.68% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 31.62% | 25.76% | +5.86% |
Dividends
FISV vs. AFL - Dividend Comparison
FISV has not paid dividends to shareholders, while AFL's dividend yield for the trailing twelve months is around 2.02%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AFL Aflac Incorporated | 2.02% | 2.10% | 1.93% | 2.04% | 2.22% | 2.26% | 2.52% | 2.04% | 2.28% | 1.98% | 2.39% | 2.64% |
FISV Fiserv, Inc | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
FISV vs. AFL - Financials Comparison
This section allows you to compare key financial metrics between Fiserv, Inc and Aflac Incorporated. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FISV vs. AFL - Profitability Comparison
FISV - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Fiserv, Inc reported a gross profit of 0.00 and revenue of 5.03B. Therefore, the gross margin over that period was 0.0%.
AFL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported a gross profit of 2.48B and revenue of 4.32B. Therefore, the gross margin over that period was 57.5%.
FISV - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Fiserv, Inc reported an operating income of 918.00M and revenue of 5.03B, resulting in an operating margin of 18.3%.
AFL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported an operating income of 1.23B and revenue of 4.32B, resulting in an operating margin of 28.4%.
FISV - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Fiserv, Inc reported a net income of 571.00M and revenue of 5.03B, resulting in a net margin of 11.4%.
AFL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported a net income of 1.02B and revenue of 4.32B, resulting in a net margin of 23.6%.
Frequently Asked Questions
FISV and AFL have a correlation of 0.28, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FISV has higher volatility (11.15%) compared to AFL (5.65%). In terms of maximum drawdown, FISV dropped -77.98% vs AFL's -82.71%.
AFL currently has the higher Sharpe Ratio (1.02 vs -1.22), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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