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AFLAC Incorporated (AFL) Company Overview

Company Analysis

AFLAC Incorporated AFL

A comprehensive view of key metrics, scores, and financial health for AFLAC Incorporated

Overview of Aflac Incorporated

AFL NYQ
Financial Services Insurance - Life Large Cap
Aflac Incorporated (AFL), is a Large Cap company, in the Insurance - Life industry, last closed at $108.71, about 47.7% overvalued vs fair value, +0.3% 1Y return, placing in the top 10% of its sector.
$108.71
-0.84%
As of March 13, 2026
Previous close • Vol 90d: 17.3%
52-Week Range
Market Cap
$56.13B
Enterprise Value
$58.30B
Overall Score
Scores locked

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Top Beats

Quick Facts

HQ Columbus, GA
Employees 12,716
Fiscal year Dec 31

Next Events

Earnings Apr 29 Call: Apr 30

Fair Value Snapshot

Bear Base Bull
$32
$57
$106
Current: $108.71 -48% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$220.0M
11.7%%
Interest Expense
$220.0M
Net Interest Income
$-197.0M
-1%%
Total Revenue
$17.4B
-8.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
20.9%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.4B
135.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating AFLAC Incorporated's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
81
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Strong
76
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing AFL's balance between Growth (16.7%), Profitability (48.5%), and Safety (34.8%). Growth 17% Safety 35% Profitability 49%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

27th percentile vs peers
28
Key Signals
EPS CAGR 3Y -0.5% 69p EPS Growth YoY -29.2% 31p Rev Growth YoY -8.8% 13p TSR 13.7% 37p Revenue CAGR 3Y -3.1% 13p
  • Interest Coverage Ratio in top 20% of peers (21.14, 86th percentile)
  • Superior capital returns - 3 return metrics above peer median
  • Operating Margin in top 20% of peers (26.6%, 91th percentile)
  • Roic in top 20% of peers (16.8%, 82th percentile)
  • Rev Growth Yoy in bottom 20% of peers (-8.8%)

Profitability

80th percentile vs peers
80
Key Signals
Strengths
Risks
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Safety

57th percentile vs peers
57
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for AFLAC Incorporated.

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This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$56.84
- - -
-47.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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