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Aflac IncorporatedNYSE:AFL Stock Report

Market Cap US$57.2b
Share Price
US$106.86
My Fair Value
US$108
1.1% undervalued intrinsic discount
1Y-3.2%
7D-0.5%
Portfolio Value
​
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Aflac Incorporated

NYSE:AFL Stock Report

Market Cap: US$57.2b

Aflac (AFL) Stock Overview

Through its subsidiaries, provides supplemental health and life insurance products. More details

AFL fundamental analysis
Snowflake Score
Valuation2/6
Future Growth2/6
Past Performance1/6
Financial Health3/6
Dividends5/6

Rewards

Trading at 29.6% below our estimate of its fair value

Earnings are forecast to grow 16.77% per year

Pays a reliable dividend of 2.17%

Risk Analysis

Profit margins (15.3%) are lower than last year (28.3%)


AFL Community Fair Values

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See what 54 others think this stock is worth. Follow their fair value or set your own to get alerts.

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Aflac

Custom Cancer Insurance And Digital Underwriting Will Drive Future Expansion

Key Takeaways Product innovation and digitalization expand Aflac's market reach, support topline growth, and improve operational efficiency and customer engagement. Investment portfolio diversification and new distribution strategies enhance earnings stability and drive sustained long-term income growth.
View narrative
US$108.08
FV
1.1% undervalued intrinsic discount
5.07%
Revenue growth p.a.
1users have liked this narrative
0users have commented on this narrative
30users have followed this narrative
5 days ago author updated this narrative
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Aflac Incorporated Competitors

Price History & Performance

Summary of share price highs, lows and changes for Aflac
Historical stock prices
Current Share PriceUS$106.86
52 Week HighUS$115.50
52 Week LowUS$96.95
Beta0.81
1 Month Change8.94%
3 Month Change2.68%
1 Year Change-3.17%
3 Year Change79.90%
5 Year Change182.25%
Change since IPO179,560.05%

Recent News & Updates

Aflac: Q2 Earnings Indicate Slowing Growth (Rating Downgrade)

Aug 22

Recent updates

Aflac: Q2 Earnings Indicate Slowing Growth (Rating Downgrade)

Aug 22

Aflac Incorporated Just Missed Earnings - But Analysts Have Updated Their Models

May 03
Aflac Incorporated Just Missed Earnings - But Analysts Have Updated Their Models

Benign Growth For Aflac Incorporated (NYSE:AFL) Underpins Its Share Price

Apr 27
Benign Growth For Aflac Incorporated (NYSE:AFL) Underpins Its Share Price

Aflac's Shares Are Overvalued

Jan 08

Aflac (NYSE:AFL) Is Paying Out A Larger Dividend Than Last Year

Jan 08
Aflac (NYSE:AFL) Is Paying Out A Larger Dividend Than Last Year

Aflac (NYSE:AFL) Has Announced That It Will Be Increasing Its Dividend To $0.58

Dec 19
Aflac (NYSE:AFL) Has Announced That It Will Be Increasing Its Dividend To $0.58

Aflac Incorporated (NYSE:AFL) Looks Inexpensive But Perhaps Not Attractive Enough

Dec 12
Aflac Incorporated (NYSE:AFL) Looks Inexpensive But Perhaps Not Attractive Enough

Insurer Aflac Quacks Away At Policy Growth And Low Debt Risk

Nov 02

Aflac: Double Digit Dividend Growth And Strong Portfolio Of Investments

Aug 26

Aflac Incorporated: Good Positioning But Risks From Japan

Apr 22

Aflac: Growing Cancer Cases Will Lead To Higher Revenues

Apr 09

Aflac: A Dividend Aristocrat To Watch

Feb 08

Aflac: Still A Very Interesting Dividend-Growth Play

Jan 17

Aflac: Should Be Part Of Any Dividend Growth Portfolio

Dec 19

Aflac Q3: Why High Valuation May Be Signaling A Stock Split (Rating Upgrade)

Dec 05

Aflac: Hold Rating Reaffirmed, A Dividend Grower With High Stock Price

Nov 08

Aflac: An Incredible Dividend Aristocrat That Every Dividend Investor Should Own

Oct 03

Shareholder Returns

AFLUS InsuranceUS Market
7D-0.5%-0.3%0.5%
1Y-3.2%1.3%15.7%

Return vs Industry: AFL underperformed the US Insurance industry which returned 1.3% over the past year.

Return vs Market: AFL underperformed the US Market which returned 15.7% over the past year.

Price Volatility

Is AFL's price volatile compared to industry and market?
AFL volatility
AFL Average Weekly Movement2.5%
Insurance Industry Average Movement4.1%
Market Average Movement6.4%
10% most volatile stocks in US Market17.2%
10% least volatile stocks in US Market3.0%

Stable Share Price: AFL has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: AFL's weekly volatility (2%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
195512,694Dan Amoswww.aflac.com

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. The company operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan.

Aflac Incorporated Fundamentals Summary

How do Aflac's earnings and revenue compare to its market cap?
AFL fundamental statistics
Market capUS$57.15b
Earnings (TTM)US$2.44b
Revenue (TTM)US$15.91b
23.5x
P/E Ratio
3.6x
P/S Ratio

Is AFL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
AFL income statement (TTM)
RevenueUS$15.91b
Cost of RevenueUS$9.33b
Gross ProfitUS$6.59b
Other ExpensesUS$4.15b
EarningsUS$2.44b

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Nov 04, 2025

Earnings per share (EPS)4.56
Gross Margin41.39%
Net Profit Margin15.32%
Debt/Equity Ratio54.7%

How did AFL perform over the long term?

See historical performance and comparison

Dividends

2.2%
Current Dividend Yield
49%
Payout Ratio

Does AFL pay a reliable dividends?

See AFL dividend history and benchmarks
When do you need to buy AFL by to receive an upcoming dividend?
Aflac dividend dates
Ex Dividend DateAug 20 2025
Dividend Pay DateSep 02 2025
Days until Ex dividend13 days
Days until Dividend pay date0 days

Does AFL pay a reliable dividends?

See AFL dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/09/01 18:31
End of Day Share Price 2025/08/29 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Aflac Incorporated is covered by 34 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jay GelbBarclays
Taylor ScottBarclays
Jack MattenBMO Capital Markets Equity Research