(AFL) Aflac - Overview
Sector: Financial Services | Industry: Insurance - Life | Exchange: NYSE (USA) | Market Cap: 58.669m USD | Total Return: 5.4% in 12m
Health Insurance, Life Insurance, Disability Insurance
Total Rating 52
Safety 79
Buy Signal 0.90
Insurance - Life
Industry Rotation: +0.7
Industry Rotation: +0.7
Market Cap:
58.7B
Avg Turnover: 231M USD
Avg Turnover: 231M USD
ATR:
1.87%
Peers RS (IBD): 50.0
Peers RS (IBD): 50.0
Risk 5d forecast
Volatility19.5%
Rel. Tail Risk-3.36%
Reward TTM
Sharpe Ratio0.24
Alpha1.58
Character TTM
Beta0.116
Beta Downside0.201
Drawdowns 3y
Max DD13.56%
CAGR/Max DD1.59
EPS (Earnings per Share)
EPS CAGR: 2.71%
EPS Trend: 57.5%
EPS Trend: 57.5%
Last SUE: -0.41
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: -1.95%
Rev. Trend: -27.3%
Rev. Trend: -27.3%
Last SUE: -0.26
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: AFL Aflac
Aflac Incorporated offers supplemental health and life insurance. The company operates in two primary segments: Aflac Japan and Aflac U.S.
Aflac Japan provides various insurance products, including cancer, medical, and whole life policies, within the Japanese market. The Japanese insurance sector is characterized by an aging population, increasing demand for health and long-term care coverage.
Aflac U.S. focuses on accident, disability, cancer, and critical illness insurance products in the United States. Supplemental insurance typically pays benefits directly to policyholders, complementing major medical coverage.
Aflac distributes its products through multiple channels, including agencies, banks, and independent brokers. For further analysis on Aflacs operational efficiency and market position, consider exploring ValueRays detailed reports.
- Yen-dollar exchange rate impacts Aflac Japans translated earnings
- US healthcare policy changes affect supplemental insurance demand
- Investment portfolio performance drives net investment income
- Regulatory scrutiny on insurance product sales increases compliance costs
Piotroski VR‑10 (Strict)
5.0
| Net Income: 3.65b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.11 > 1.0 |
| NWC/Revenue: 36.41% < 20% (prev 18.03%; Δ 18.38% < -1%) |
| CFO/TA 0.02 > 3% & CFO 2.56b > Net Income 3.65b |
| Net Debt (2.16b) to EBITDA (5.53b): 0.39 < 3 |
| Current Ratio: 5.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (532.0m) vs 12m ago -5.84% < -2% |
| Gross Margin: 38.65% > 18% (prev 0.41%; Δ 3.82k% > 0.5%) |
| Asset Turnover: 14.84% > 50% (prev 16.27%; Δ -1.43% > 0%) |
| Interest Coverage Ratio: 21.0 > 6 (EBITDA TTM 5.53b / Interest Expense TTM 220.0m) |
Altman Z''
2.83
| A: 0.05 (Total Current Assets 7.80b - Total Current Liabilities 1.48b) / Total Assets 116.47b |
| B: 0.47 (Retained Earnings 54.68b / Total Assets 116.47b) |
| C: 0.04 (EBIT TTM 4.62b / Avg Total Assets 117.02b) |
| D: 0.65 (Book Value of Equity 56.27b / Total Liabilities 86.98b) |
| Altman-Z'' Score: 2.83 = A |
Beneish M
-2.90
| DSRI: 1.18 (Receivables 835.0m/779.0m, Revenue 17.36b/19.13b) |
| GMI: 1.06 (GM 38.65% / 40.85%) |
| AQI: 0.97 (AQ_t 0.93 / AQ_t-1 0.96) |
| SGI: 0.91 (Revenue 17.36b / 19.13b) |
| TATA: 0.01 (NI 3.65b - CFO 2.56b) / TA 116.47b) |
| Beneish M-Score: -2.90 (Cap -4..+1) = A |
What is the price of AFL shares?
As of April 15, 2026, the stock is trading at USD 111.94 with a total of 1,109,041 shares traded.
Over the past week, the price has changed by +1.28%, over one month by +2.59%, over three months by +2.14% and over the past year by +5.40%.
Over the past week, the price has changed by +1.28%, over one month by +2.59%, over three months by +2.14% and over the past year by +5.40%.
Is AFL a buy, sell or hold?
Aflac has received a consensus analysts rating of 3.08.
Therefor, it is recommend to hold AFL.
- StrongBuy: 1
- Buy: 2
- Hold: 8
- Sell: 1
- StrongSell: 1
What are the forecasts/targets for the AFL price?
| Analysts Target Price | 112.1 | 0.2% |
Aflac (AFL) - Fundamental Data Overview
as of 15 April 2026
P/E Trailing = 16.4135 P/E Forward = 14.5349
P/S = 3.4182
P/B = 1.9591
P/EG = 1.1813
Revenue TTM = 17.36b USD
EBIT TTM = 4.62b USD
EBITDA TTM = 5.53b USD
Long Term Debt = 8.41b USD (from longTermDebt, last quarter)
Short Term Debt = 399.0m USD (from shortTermDebt, two quarters ago)
Debt = 8.41b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.16b USD (from netDebt column, last quarter)
Enterprise Value = 60.83b USD (58.67b + Debt 8.41b - CCE 6.25b)
Interest Coverage Ratio = 21.0 (Ebit TTM 4.62b / Interest Expense TTM 220.0m)
EV/FCF = 23.81x (Enterprise Value 60.83b / FCF TTM 2.56b)
FCF Yield = 4.20% (FCF TTM 2.56b / Enterprise Value 60.83b)
FCF Margin = 14.72% (FCF TTM 2.56b / Revenue TTM 17.36b)
Net Margin = 21.00% (Net Income TTM 3.65b / Revenue TTM 17.36b)
Gross Margin = 38.65% ((Revenue TTM 17.36b - Cost of Revenue TTM 10.65b) / Revenue TTM)
Gross Margin QoQ = 59.91% (prev 43.90%)
Tobins Q-Ratio = 0.52 (Enterprise Value 60.83b / Total Assets 116.47b)
Interest Expense / Debt = 0.73% (Interest Expense 61.0m / Debt 8.41b)
Taxrate = 12.28% (193.0m / 1.57b)
NOPAT = 4.05b (EBIT 4.62b * (1 - 12.28%))
Current Ratio = 5.28 (Total Current Assets 7.80b / Total Current Liabilities 1.48b)
Debt / Equity = 0.29 (Debt 8.41b / totalStockholderEquity, last quarter 29.49b)
Debt / EBITDA = 0.39 (Net Debt 2.16b / EBITDA 5.53b)
Debt / FCF = 0.85 (Net Debt 2.16b / FCF TTM 2.56b)
Total Stockholder Equity = 27.93b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.12% (Net Income 3.65b / Total Assets 116.47b)
RoE = 13.05% (Net Income TTM 3.65b / Total Stockholder Equity 27.93b)
RoCE = 12.71% (EBIT 4.62b / Capital Employed (Equity 27.93b + L.T.Debt 8.41b))
RoIC = 11.17% (NOPAT 4.05b / Invested Capital 36.28b)
WACC = 5.67% (E(58.67b)/V(67.08b) * Re(6.39%) + D(8.41b)/V(67.08b) * Rd(0.73%) * (1-Tc(0.12)))
Discount Rate = 6.39% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -4.63%
[DCF] Terminal Value 84.76% ; FCFF base≈2.62b ; Y1≈2.26b ; Y5≈1.80b
[DCF] Fair Price = 101.4 (EV 54.40b - Net Debt 2.16b = Equity 52.23b / Shares 515.2m; r=6.0% [WACC]; 5y FCF grow -16.45% → 3.0% )
EPS Correlation: 57.51 | EPS CAGR: 2.71% | SUE: -0.41 | # QB: 0
Revenue Correlation: -27.26 | Revenue CAGR: -1.95% | SUE: -0.26 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.84 | Chg7d=-0.030 | Chg30d=-0.031 | Revisions Net=-3 | Analysts=11
EPS current Year (2026-12-31): EPS=7.27 | Chg7d=-0.085 | Chg30d=-0.091 | Revisions Net=-3 | Growth EPS=-3.0% | Growth Revenue=-1.9%
EPS next Year (2027-12-31): EPS=7.72 | Chg7d=-0.052 | Chg30d=-0.054 | Revisions Net=+0 | Growth EPS=+6.2% | Growth Revenue=+1.6%
[Analyst] Revisions Ratio: -1.00 (0 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.8% (Discount Rate 7.9% - Earnings Yield 6.1%)
[Growth] Growth Spread = -7.6% (Analyst -5.8% - Implied 1.8%)
External Resources