Aflac Incorporated

AFL Financial Services Insurance - Life NYSE

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$111.29

+$0.25 (+0.23%)

Open: $110.29 | High: $111.48 | Low: $108.98 | Prev Close: $111.04

Market Cap: $57.47B

Volume: 1.6M | Avg: 2.4M

Last updated: March 09, 2026 at 02:00 AM
Investment Rating
B+

Neutral

Overall Score: 60/100

Rating Breakdown:
DCF Score 3/5
60%
Neutral
ROE Score 4/5
80%
Buy
ROA Score 4/5
80%
Buy
D/E Score 3/5
60%
Neutral
P/E Score 2/5
40%
Sell
P/B Score 2/5
40%
Sell
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Stock Score Analysis
E

Stock Score: 490

Comprehensive Quality Assessment

Component Breakdown:
Efficiency 30
Financial Health 65
Growth 0
Market Sentiment 10
Risk 50
Lower is better
Valuation 35
Momentum 0
View Full Stock Score Dashboard
Valuation Metrics
Valuation Ratios
P/E Ratio 16.32
P/B Ratio 2.00
P/S Ratio 3.31
EPS $6.82
Beta 0.65
Shares Outstanding 516.37M
Price Range & Moving Averages
52-Week High $119.32
52-Week Low $96.95
SMA 50 $111.65
SMA 200 $107.91
Dividend Information
Dividend Yield 2.11%
Annual Dividend $2.35
Earnings
Next Earnings April 29, 2026 08:00 PM ET
Financial Ratios
Margins
Gross Margin 38.7%
Operating Margin 26.3%
Net Margin 21.0%
Returns
ROE 13.1%
ROA 3.1%
Liquidity & Leverage
Debt/Equity 0.29
Current Ratio 0.00
Quick Ratio 0.00
Balance Sheet
Total Assets $116.47B
Total Liabilities $86.98B
Total Equity $29.49B
Cash $6.25B
Total Debt $8.41B
Net Debt $2.16B
Income Statement
Revenue $17.44B
Gross Profit $6.79B
Operating Income $4.64B
Net Income $3.65B
EBITDA $5.53B
Revenue/Share $32.75
Cash Flow
Operating CF $2.56B
CapEx N/A
Free Cash Flow $2.56B
Book Value/Share $55.64
Tangible Book/Share $38.59
Equity/Share $55.64
Technical Indicators
RSI (14) 27.55 Oversold
MACD
-0.29 Signal: 0.24
Volatility 20.15%
Trading Signal Oversold
Performance & Returns
Total Returns
1 Year +4.57%
Risk-Adjusted Returns
Sharpe Ratio 0.1 Fair
Volatility (Ann.) 16.98% Low Risk
vs S&P 500 (SPY)
AFL (1Y) +4.57%
S&P 500 (1Y) +13.03%
Alpha (Excess Return) -8.47%
Risk-free rate: 4.5% (3-month US Treasury) • Based on 199 trading days
Sector Comparison (Financial Services)
Compared to 157 peers in Financial Services
Metric AFL Sector Avg Percentile
P/E Ratio 16.32 47.88 33%
P/B Ratio 2.0 4.21 46%
ROE (%) 13.05% 19.82% 42%
Net Margin (%) 21.00% 18.71% 69%
Stock Score 490 429.0 64%
1Y Return (%) +4.57 % +8.00 % 40%
Percentile: 0% = worst in sector, 100% = best in sector
📊 Historical Price Analysis (Last 200 Days)

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Technical Analysis
Ticker Close SMA 5 SMA 8 SMA 13 SMA 50 SMA 200 RSI (14) MACD Volatility (%) Volume Signal SMA Decision
AFL $111.29 $111.27 $111.80 $112.23 $111.56 $107.89 27.55 -0.29 20.15% 380638 Strong Short Bearish Stack
Candlestick Patterns

There wasn't any recognizable pattern for the AFL stock

News Sentiment
📊 Ticker 📰 Headline 💭 Sentiment 📡 Source 🔗 URL
AFL Aflac (NYSE:AFL) Major Shareholder Post Holdings Co. Ltd. Japan Sells 19,300 Shares Neutral defenseworld.net Read More
AFL Aflac Incorporated $AFL Shares Sold by Barclays PLC Neutral defenseworld.net Read More
AFL Aflac (AFL) Down 5.5% Since Last Earnings Report: Can It Rebound? Neutral zacks.com Read More
AFL Elo Mutual Pension Insurance Co Increases Position in Aflac Incorporated $AFL Positive defenseworld.net Read More
AFL Best Dividend Aristocrats For March 2026 Neutral seekingalpha.com Read More
Recent Insider Trading

No recent insider trading data available for AFL

Company Information

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. The company was founded in 1955 and is based in Columbus, Georgia.

CEO Daniel Paul Amos
Employees 12694
Country US
IPO Date 1980-03-17
Exchange NYSE
Website https://www.aflac.com
Sector Financial Services
Industry Insurance - Life
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Rating Metrics Explained
DCF Score (Discounted Cash Flow)

Measures the intrinsic value of the stock based on projected future cash flows. A higher score indicates the stock is undervalued relative to its DCF valuation.

ROE Score (Return on Equity)

Evaluates how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better profitability and management effectiveness.

ROA Score (Return on Assets)

Measures how efficiently a company uses its assets to generate profit. A higher ROA means better asset utilization and operational efficiency.

D/E Score (Debt-to-Equity)

Assesses the company's financial leverage and risk. Lower debt-to-equity ratios indicate less financial risk and better balance sheet health.

P/E Score (Price-to-Earnings)

Compares stock price to earnings per share. A lower P/E ratio may indicate the stock is undervalued, while a higher ratio could suggest overvaluation or growth expectations.

P/B Score (Price-to-Book)

Compares market price to book value per share. Lower P/B ratios may indicate undervaluation relative to the company's net asset value.

Rating Recommendations:

Each metric is scored on a scale of 1-5, where the scores are determined by comparing the company's performance against industry benchmarks and historical data:

  • Strong Buy (5/5): Excellent score - strong positive indicator
    • The metric significantly outperforms industry averages (top 20% of companies)
    • Indicates exceptional financial health or attractive valuation in that category
  • Buy (4/5): Good score - positive indicator
    • Above-average performance (top 40% of companies)
    • Shows strong fundamentals with room for improvement
  • Neutral (3/5): Average score - neutral indicator
    • Performance in line with industry median (middle 20%)
    • Neither significantly positive nor negative signal
  • Sell (2/5): Below average - negative indicator
    • Below-average performance (bottom 40% of companies)
    • Suggests weakness in this particular metric
  • Strong Sell (1/5): Poor score - strong negative indicator
    • Significantly underperforms industry (bottom 20%)
    • Indicates potential risk or overvaluation in that category
Note: The overall rating combines all six component scores to provide a comprehensive investment assessment. No single metric should be used in isolation for investment decisions.