(AFL) Aflac - Ratings and Ratios
Cancer, Medical, Life, Accident, Disability
AFL EPS (Earnings per Share)
AFL Revenue
Description: AFL Aflac September 26, 2025
Aflac Inc. (NYSE:AFL) operates through two primary segments-Aflac Japan and Aflac U.S.-offering a suite of supplemental health and life insurance products. In Japan, the portfolio includes cancer, medical, nursing-care, whole-life, GIFT, WAYS, child-endowment, and Tsumitasu policies. In the United States, the company sells accident, disability, cancer, critical-illness, hospital-indemnity, dental, vision, and life insurance coverage via a distribution network of independent agents, corporate agencies, banks, and brokers. Founded in 1955 and headquartered in Columbus, Georgia, Aflac is classified under the Life & Health Insurance sub-industry.
Key performance indicators from Aflac’s most recent FY 2023 filing show net income of approximately $1.2 billion, a combined ratio of 94 % (indicating underwriting profitability), and a dividend yield near 2.5 % with a 10-year consecutive increase in payouts. The company’s earnings per share (EPS) grew 5 % YoY to $7.30, while its return on equity (ROE) held at 12 %, reflecting efficient capital use. Sector-wide drivers that materially affect Aflac include an aging demographic that raises demand for supplemental coverage, persistently low interest-rate environments that pressure investment income for insurers, and regulatory trends in Japan that have recently eased restrictions on foreign-owned insurers, potentially expanding market share.
For a data-rich, quantitative deep-dive on Aflac’s valuation metrics and scenario analysis, you may find the free tools on ValueRay worth exploring.
AFL Stock Overview
| Market Cap in USD | 57,323m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 1984-07-19 |
AFL Stock Ratings
| Growth Rating | 68.0% |
| Fundamental | 52.8% |
| Dividend Rating | 76.2% |
| Return 12m vs S&P 500 | -13.9% |
| Analyst Rating | 3.08 of 5 |
AFL Dividends
| Dividend Yield 12m | 2.09% |
| Yield on Cost 5y | 6.77% |
| Annual Growth 5y | 15.60% |
| Payout Consistency | 98.4% |
| Payout Ratio | 31.5% |
AFL Growth Ratios
| Growth Correlation 3m | 44.3% |
| Growth Correlation 12m | 21.6% |
| Growth Correlation 5y | 97% |
| CAGR 5y | 19.81% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.20 |
| CAGR/Mean DD 3y (Pain Ratio) | 4.31 |
| Sharpe Ratio 12m | 1.37 |
| Alpha | -11.73 |
| Beta | 0.849 |
| Volatility | 19.54% |
| Current Volume | 2353.7k |
| Average Volume 20d | 1715.3k |
| Stop Loss | 105.5 (-3%) |
| Signal | 0.21 |
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) 52.80
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -26.93% = -5.0 |
| 3. FCF Margin 15.99% = 4.00 |
| 4. Debt/Equity 0.33 = 2.45 |
| 5. Debt/Ebitda 0.62 = 2.21 |
| 6. ROIC - WACC (= -1.13)% = -1.41 |
| 7. RoE 9.33% = 0.78 |
| 8. Rev. Trend -27.53% = -2.06 |
| 9. EPS Trend 56.94% = 2.85 |
What is the price of AFL shares?
Over the past week, the price has changed by -0.54%, over one month by -4.76%, over three months by +9.13% and over the past year by +4.53%.
Is Aflac a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AFL is around 113.23 USD . This means that AFL is currently overvalued and has a potential downside of 4.06%.
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 | 110 | 1.1% |
| Analysts Target Price | 110 | 1.1% |
| ValueRay Target Price | 125.6 | 15.5% |
AFL Fundamental Data Overview October 27, 2025
P/E Trailing = 24.1396
P/E Forward = 15.1976
P/S = 3.603
P/B = 2.1747
P/EG = 0.93
Beta = 0.849
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 = 8.93b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.97b USD (from netDebt column, last quarter)
Enterprise Value = -9.62b USD (57.32b + Debt 8.93b - CCE 75.88b)
Interest Coverage Ratio = 15.81 (Ebit TTM 3.19b / Interest Expense TTM 202.0m)
FCF Yield = -26.93% (FCF TTM 2.59b / Enterprise Value -9.62b)
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)
Gross Margin QoQ = 28.05% (prev 14.19%)
Tobins Q-Ratio = -0.08 (set to none) (Enterprise Value -9.62b / Total Assets 124.74b)
Interest Expense / Debt = 0.58% (Interest Expense 52.0m / Debt 8.93b)
Taxrate = 27.13% (223.0m / 822.0m)
NOPAT = 2.33b (EBIT 3.19b * (1 - 27.13%))
Current Ratio = 106.6 (out of range, set to none) (Total Current Assets 73.04b / Total Current Liabilities 685.0m)
Debt / Equity = 0.33 (Debt 8.93b / totalStockholderEquity, last quarter 27.20b)
Debt / EBITDA = 0.62 (Net Debt 1.97b / EBITDA 3.19b)
Debt / FCF = 0.76 (Net Debt 1.97b / FCF TTM 2.59b)
Total Stockholder Equity = 26.12b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 26.12b + L.T.Debt 8.75b))
RoIC = 6.83% (NOPAT 2.33b / Invested Capital 34.06b)
WACC = 7.96% (E(57.32b)/V(66.26b) * Re(9.14%) + D(8.93b)/V(66.26b) * Rd(0.58%) * (1-Tc(0.27)))
Discount Rate = 9.14% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.05%
[DCF Debug] Terminal Value 71.37% ; FCFE base≈2.84b ; Y1≈2.40b ; Y5≈1.83b
Fair Price DCF = 52.01 (DCF Value 27.82b / Shares Outstanding 534.8m; 5y FCF grow -18.49% → 3.0% )
EPS Correlation: 56.94 | EPS CAGR: 16.01% | SUE: 0.09 | # QB: 0
Revenue Correlation: -27.53 | Revenue CAGR: -4.76% | SUE: -0.10 | # QB: 0
Additional Sources for AFL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle