(AFL) Aflac - Ratings and Ratios
Cancer, Medical, Life, Accident, Disability
AFL EPS (Earnings per Share)
AFL Revenue
Description: AFL Aflac
Aflac Incorporated is a leading provider of supplemental health and life insurance products, operating through two main segments: Aflac Japan and Aflac U.S. The company offers a diverse range of insurance products, including cancer, medical, and life insurance, as well as specialized products such as nursing care and critical illness insurance.
From a business perspective, Aflacs diversified product portfolio and strong distribution channels, including individual and corporate agencies, banks, and brokers, position the company for long-term growth. Key performance indicators (KPIs) such as policyholder growth rate, premium revenue growth, and loss ratio are crucial in evaluating the companys operational performance. Aflacs ability to maintain a strong brand presence in Japan and the U.S. is also vital, with metrics such as brand recognition and customer satisfaction playing a significant role.
In terms of financial performance, Aflacs return on equity (RoE) of 13.91% indicates a relatively strong profitability profile. Other key financial metrics, such as the companys dividend yield and payout ratio, are also important in assessing its attractiveness to income-seeking investors. With a market capitalization of $54.9 billion, Aflac is a sizable player in the life and health insurance industry, and its stock (AFL) is closely watched by investors and analysts alike.
To further evaluate Aflacs investment potential, it is essential to analyze its financial leverage, asset quality, and capital adequacy. Metrics such as the debt-to-equity ratio, asset yield, and risk-based capital (RBC) ratio provide valuable insights into the companys financial health and stability. By examining these KPIs, investors can gain a more comprehensive understanding of Aflacs strengths and weaknesses, ultimately informing their investment decisions.
AFL Stock Overview
| Market Cap in USD | 57,350m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 1984-07-19 |
AFL Stock Ratings
| Growth Rating | 49.6% |
| Fundamental | 47.4% |
| Dividend Rating | 73.7% |
| Return 12m vs S&P 500 | -15.5% |
| Analyst Rating | 3.08 of 5 |
AFL Dividends
| Dividend Yield 12m | 2.10% |
| Yield on Cost 5y | 6.70% |
| Annual Growth 5y | 12.30% |
| Payout Consistency | 99.9% |
| Payout Ratio | 31.5% |
AFL Growth Ratios
| Growth Correlation 3m | 60.5% |
| Growth Correlation 12m | -33.6% |
| Growth Correlation 5y | 97.2% |
| CAGR 5y | 24.54% |
| CAGR/Max DD 3y | 1.48 |
| CAGR/Mean DD 3y | 6.48 |
| Sharpe Ratio 12m | 1.67 |
| Alpha | -13.64 |
| Beta | 0.762 |
| Volatility | 20.67% |
| Current Volume | 1835k |
| Average Volume 20d | 2399k |
| Stop Loss | 105.1 (-3.1%) |
| Signal | -0.51 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (2.44b TTM) > 0 and > 6% of Revenue (6% = 972.2m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.59pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 446.5% (prev 529.0%; Δ -82.47pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 2.59b > Net Income 2.44b (YES >=105%, WARN >=100%) |
| Net Debt (1.97b) to EBITDA (3.19b) ratio: 0.62 <= 3.0 (WARN <= 3.5) |
| Current Ratio 106.6 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (538.4m) change vs 12m ago -5.01% (target <= -2.0% for YES) |
| Gross Margin 28.88% (prev 70.30%; Δ -41.42pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 13.23% (prev 16.21%; Δ -2.98pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 15.81 (EBITDA TTM 3.19b / Interest Expense TTM 202.0m) >= 6 (WARN >= 3) |
Altman Z'' 5.92
| (A) 0.58 = (Total Current Assets 73.04b - Total Current Liabilities 685.0m) / Total Assets 124.74b |
| (B) 0.42 = Retained Earnings (Balance) 52.59b / Total Assets 124.74b |
| (C) 0.03 = EBIT TTM 3.19b / Avg Total Assets 122.45b |
| (D) 0.54 = Book Value of Equity 52.24b / Total Liabilities 97.54b |
| Total Rating: 5.92 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 47.39
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -26.73% = -5.0 |
| 3. FCF Margin 15.99% = 4.00 |
| 4. Debt/Equity 0.32 = 2.45 |
| 5. Debt/Ebitda 2.77 = -1.42 |
| 6. ROIC - WACC 0.25% = 0.31 |
| 7. RoE 9.33% = 0.78 |
| 8. Rev. Trend -27.53% = -1.38 |
| 9. Rev. CAGR -4.76% = -0.79 |
| 10. EPS Trend -22.07% = -0.55 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of AFL shares?
Over the past week, the price has changed by +1.95%, over one month by +3.44%, over three months by +6.12% and over the past year by +0.49%.
Is Aflac a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AFL is around 118.76 USD . This means that AFL is currently overvalued and has a potential downside of 9.55%.
Is AFL a buy, sell or hold?
- Strong Buy: 1
- Buy: 2
- Hold: 8
- Sell: 1
- Strong Sell: 1
What are the forecasts/targets for the AFL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 108.1 | -0.3% |
| Analysts Target Price | 108.1 | -0.3% |
| ValueRay Target Price | 131.5 | 21.3% |
Last update: 2025-09-11 04:30
AFL Fundamental Data Overview
CCE Cash And Equivalents = 75.88b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 24.1509
P/E Forward = 14.5985
P/S = 3.6046
P/B = 2.0898
P/EG = 0.93
Beta = 0.839
Revenue TTM = 16.20b USD
EBIT TTM = 3.19b USD
EBITDA TTM = 3.19b USD
Long Term Debt = 8.75b USD (from longTermDebt, last quarter)
Short Term Debt = 86.0m USD (from shortTermDebt, last quarter)
Debt = 8.84b USD (Calculated: Short Term 86.0m + Long Term 8.75b)
Net Debt = 1.97b USD (from netDebt column, last quarter)
Enterprise Value = -9.69b USD (57.35b + Debt 8.84b - CCE 75.88b)
Interest Coverage Ratio = 15.81 (Ebit TTM 3.19b / Interest Expense TTM 202.0m)
FCF Yield = -26.73% (FCF TTM 2.59b / Enterprise Value -9.69b)
FCF Margin = 15.99% (FCF TTM 2.59b / Revenue TTM 16.20b)
Net Margin = 15.04% (Net Income TTM 2.44b / Revenue TTM 16.20b)
Gross Margin = 28.88% ((Revenue TTM 16.20b - Cost of Revenue TTM 11.53b) / Revenue TTM)
Tobins Q-Ratio = -0.19 (set to none) (Enterprise Value -9.69b / Book Value Of Equity 52.24b)
Interest Expense / Debt = 0.59% (Interest Expense 52.0m / Debt 8.84b)
Taxrate = 15.18% (974.0m / 6.42b)
NOPAT = 2.71b (EBIT 3.19b * (1 - 15.18%))
Current Ratio = 106.6 (Total Current Assets 73.04b / Total Current Liabilities 685.0m)
Debt / Equity = 0.32 (Debt 8.84b / last Quarter total Stockholder Equity 27.20b)
Debt / EBITDA = 2.77 (Net Debt 1.97b / EBITDA 3.19b)
Debt / FCF = 3.41 (Debt 8.84b / FCF TTM 2.59b)
Total Stockholder Equity = 26.12b (last 4 quarters mean)
RoA = 1.95% (Net Income 2.44b, Total Assets 124.74b )
RoE = 9.33% (Net Income TTM 2.44b / Total Stockholder Equity 26.12b)
RoCE = 9.16% (Ebit 3.19b / (Equity 26.12b + L.T.Debt 8.75b))
RoIC = 7.96% (NOPAT 2.71b / Invested Capital 34.06b)
WACC = 7.71% (E(57.35b)/V(66.19b) * Re(8.82%)) + (D(8.84b)/V(66.19b) * Rd(0.59%) * (1-Tc(0.15)))
Shares Correlation 3-Years: -96.97 | Cagr: -1.45%
Discount Rate = 8.82% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 72.59% ; FCFE base≈2.84b ; Y1≈2.40b ; Y5≈1.83b
Fair Price DCF = 54.75 (DCF Value 29.28b / Shares Outstanding 534.8m; 5y FCF grow -18.49% → 3.0% )
Revenue Correlation: -27.53 | Revenue CAGR: -4.76%
Rev Growth-of-Growth: -16.78
EPS Correlation: -22.07 | EPS CAGR: 0.0%
EPS Growth-of-Growth: -84.89
Additional Sources for AFL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle