Skip to content
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 $116.29, about 51.1% overvalued vs fair value, +7.0% 1Y return, placing in the top 10% of its sector.
Metrics P/E 16.2× Rev Growth -8.8% ROE 13.1% Gross Margin 38.9% Div Yield 6.62%
$116.29
1.40%
As of April 28, 2026
Previous close • Vol 90d: 16.8%
52-Week Range
Market Cap
$60.05B
Enterprise Value
$62.21B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Excellent
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Excellent
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.aflac.com
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: $116.29 -51% vs base

Engine Room Money Flow™

Large Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$17.4B
-8.8%%
Claims & Losses
$-10.7B
-13.5%%
Acquisition & Admin Expenses
$-2.5B
Underwriting Result
$4.6B
-27.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
61.1%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.4B
201.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

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

Overall Moat Strength
74
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Underwriting Discipline

Strong
78
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing AFL's balance between Growth (17.5%), Profitability (49.9%), and Safety (32.6%). Growth 18% Safety 33% Profitability 50%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

30th percentile vs peers
30
Key Signals
Equity Growth YoY 18.7% 78p Rev Growth YoY -8.8% 17p EPS Growth YoY -29.2% 29p Revenue CAGR 3Y -3.1% 13p Asset Growth YoY -0.9% 17p
Strengths
  • Net Profit Margin in top 20% of peers (20.9%, 91th percentile)
  • ROA in top 20% of peers (4.5%, 95th percentile)
  • Operating Margin in top 20% of peers (26.6%, 91th percentile)
  • Equity/Assets in top 20% of peers (25.3%, 82th percentile)
Risks
  • Rev Growth YoY in bottom 20% of peers (-8.8%)

Profitability

86th percentile vs peers
86
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

56th percentile vs peers
56
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for AFLAC Incorporated.

Loading valuation model...
Unable to Compute Fair Value

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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$56.84
- - -
-51.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info