1AFL Stock Overview

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

1AFL fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	1/6
Past Performance	2/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 31.9% below our estimate of its fair value

Earnings are forecast to grow 3.25% per year

Pays a reliable dividend of 2.24%

Risk Analysis

Shares are highly illiquid

Significant insider selling over the past 3 months

Community vs My Fair Value

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Aflac Incorporated Competitors

Poste Italiane

BIT:PST

€23.1b

Assicurazioni Generali

BIT:G

€48.9b

Unipol Assicurazioni

BIT:UNI

€11.3b

MetLife

NYSE:MET

US$50.7b

Price History & Performance

Summary of share price highs, lows and changes for Aflac
Historical stock prices
Current Share Price	US$92.76
52 Week High	US$0
52 Week Low	US$0
Beta	0.80
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	179.23%
Change since IPO	92.65%

Recent updates

Shareholder Returns

	1AFL	IT Insurance	IT Market
7D	n/a	1.3%	1.0%
1Y	n/a	47.7%	11.1%

Return vs Industry: Insufficient data to determine how 1AFL performed against the Italian Insurance industry.

Return vs Market: Insufficient data to determine how 1AFL performed against the Italian Market.

Price Volatility

Is 1AFL's price volatile compared to industry and market?
1AFL volatility
1AFL Average Weekly Movement	n/a
Insurance Industry Average Movement	3.7%
Market Average Movement	5.3%
10% most volatile stocks in IT Market	8.6%
10% least volatile stocks in IT Market	3.3%

Stable Share Price: 1AFL's share price has been volatile over the past 3 months compared to the Italian market.

Volatility Over Time: Insufficient data to determine 1AFL's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1955	12,694	Dan Amos	www.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?
1AFL fundamental statistics
Market cap	€49.54b
Earnings (TTM)	€3.17b
Revenue (TTM)	€14.90b

15.6x

P/E Ratio

3.3x

P/S Ratio

Is 1AFL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1AFL income statement (TTM)
Revenue	US$16.89b
Cost of Revenue	US$9.23b
Gross Profit	US$7.66b
Other Expenses	US$4.06b
Earnings	US$3.59b

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Aug 05, 2025

Earnings per share (EPS)	6.62
Gross Margin	45.33%
Net Profit Margin	21.27%
Debt/Equity Ratio	29.4%

How did 1AFL perform over the long term?

See historical performance and comparison

Dividends

2.2%

Current Dividend Yield

32%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/02 17:54
End of Day Share Price	2025/05/02 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 33 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Ishan Majumdar	Baptista Research
Taylor Scott	Barclays
Jay Gelb	Barclays

Aflac BIT:1AFL Stock Report