Aflac (AFL) Stock Overview
Through its subsidiaries, provides supplemental health and life insurance products. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 5/6 |
| Dividends | 5/6 |
AFL Community Fair Values
Create NarrativeSee what 62 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Aflac Incorporated Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$112.88 |
| 52 Week High | US$119.32 |
| 52 Week Low | US$96.95 |
| Beta | 0.65 |
| 1 Month Change | 2.17% |
| 3 Month Change | 0.83% |
| 1 Year Change | 6.96% |
| 3 Year Change | 67.01% |
| 5 Year Change | 101.18% |
| Change since IPO | 189,681.27% |
Recent News & Updates
AFL: Future Returns Will Balance Reinsurance Moves With Cautious Earnings Expectations
Narrative Update on Aflac The consensus analyst price target for Aflac has edged lower by a few dollars to $111.86, as analysts factor in more cautious revenue growth assumptions alongside slightly stronger profit margin and future P/E inputs. Analyst Commentary Recent research on Aflac reflects a mixed but mostly cautious tone, with several firms trimming price targets by small amounts and one lifting its target and reinitiating coverage at a neutral stance.AFL: Future Returns Will Reflect Mixed Earnings Outlook And Product Expansion
Aflac's updated fair value estimate has been trimmed from $113 to about $111.86 as analysts consolidate mixed price target moves. This reflects slightly softer assumptions on revenue growth, profit margins, and future P/E while still seeing support from recent target adjustments across major firms.AFL: Future Returns Will Reflect Capital Strength And Earnings Execution Risks
Narrative Update The analyst price target framework for Aflac now centers around $113. This reflects updated Street work, with some firms raising targets toward $118 and others trimming into the $101 to $120 range as analysts refresh earnings estimates and extend their valuation horizons.Recent updates
AFL: Future Returns Will Balance Reinsurance Moves With Cautious Earnings Expectations
Narrative Update on Aflac The consensus analyst price target for Aflac has edged lower by a few dollars to $111.86, as analysts factor in more cautious revenue growth assumptions alongside slightly stronger profit margin and future P/E inputs. Analyst Commentary Recent research on Aflac reflects a mixed but mostly cautious tone, with several firms trimming price targets by small amounts and one lifting its target and reinitiating coverage at a neutral stance.AFL: Future Returns Will Reflect Mixed Earnings Outlook And Product Expansion
Aflac's updated fair value estimate has been trimmed from $113 to about $111.86 as analysts consolidate mixed price target moves. This reflects slightly softer assumptions on revenue growth, profit margins, and future P/E while still seeing support from recent target adjustments across major firms.AFL: Future Returns Will Reflect Capital Strength And Earnings Execution Risks
Narrative Update The analyst price target framework for Aflac now centers around $113. This reflects updated Street work, with some firms raising targets toward $118 and others trimming into the $101 to $120 range as analysts refresh earnings estimates and extend their valuation horizons.AFL: Future Returns Will Balance Cybersecurity Fallout And Capital Strength
Narrative update on Aflac The analyst price target framework for Aflac shifts modestly higher toward the recent Street range, reflecting updated EPS roll forward work, a slightly adjusted future P/E assumption to 16.36x, and analysts' mixed but constructive views that blend a higher $118 target with several reductions closer to $101 to $120. Analyst Commentary Recent research on Aflac is mixed, with some bullish analysts nudging targets higher while more cautious voices trim expectations.AFL: Future Returns Will Weigh Cyber Breach Risks Against Capital Strength
Aflac's updated analyst price target edges higher to about $113, supported by analysts rolling their models to 2027 and 2028 EPS and fine tuning assumptions around slightly stronger profit margins and a modestly lower future P/E multiple. Analyst Commentary Recent Street research on Aflac highlights a mix of optimism and caution as analysts update their models and valuation frameworks out to 2027 and 2028.AFL: Future Returns Will Balance Cyber Risk And Capital Strength
Analysts now see Aflac's fair value edging up by $1 to $111.69 per share, reflecting adjusted price targets that factor in updated views on revenue growth, profit margins, and future P/E multiples. Analyst Commentary Bullish and cautious voices are both active around Aflac right now, with recent price target trims reflecting fine tuning of expectations rather than a wholesale shift in views on execution or valuation.AFL: Future Returns Will Reflect Capital Strength Versus Cyber And Insurance Headwinds
Narrative Update: Aflac The analyst price target for Aflac has been trimmed slightly, with a new fair value estimate of about $110.69 compared with $110.85 before. Analysts are factoring in updated sector views on life and P&C insurers, modest tweaks to revenue growth and margin assumptions, and only a small adjustment to future P/E expectations.Aflac's (NYSE:AFL) Dividend Will Be Increased To $0.61
Jan 30
Aflac: Priced For A Perfect Scenario
Jan 23AFL: Future Returns Will Balance Capital Strength With Cyber And Sector Headwinds
Narrative Update on Aflac Aflac's updated analyst price target edges lower to about $111, as analysts moderate expectations for revenue growth and margins while still citing capital strength, cash flow, and sector consolidation as key supports. Analyst Commentary Recent research on Aflac reflects a mix of optimism about capital strength and cash flow, alongside caution around industry headwinds and valuation expectations.AFL: Future Returns Will Reflect Stable Earnings Power And Capital Returns Balancing Cyber Risks
Analysts made only a small adjustment to their Aflac fair value estimate, with the target price moving from about $111.08 to $111.31 as they factor in recent price target revisions across the sector, softer pricing trends in some insurance lines, and generally steady modeling updates following calm recent earnings seasons. Analyst Commentary Street research around Aflac reflects a mix of optimism on company specific execution and caution around broader insurance pricing trends, which feeds into relatively modest adjustments to fair value estimates.AFL: Future Performance Will Reflect Claims Tailwinds And Balanced Capital Return Execution
Analysts have modestly raised their price targets on Aflac, with recent upward revisions ranging from approximately $5 to $6 per share. They cite better than expected life insurance earnings, favorable claims experience, and resilient earnings trends despite macro uncertainties.AFL: Future Performance Will Reflect Strength In Claims And Distribution Execution
Aflac's analyst price target increased modestly, with recent updates reflecting improved life insurance earnings and stable macro conditions as key factors cited by analysts. Analyst Commentary Recent updates from street research highlight several factors influencing Aflac's valuation targets, with analysts weighing both potential growth drivers and areas of caution.Aflac's (NYSE:AFL) Dividend Will Be $0.58
Nov 18AFL: Future Earnings Outlook Will Reflect Improving Claims And Distribution Strength
The analyst price target for Aflac has increased modestly, with a $1 uptick in fair value to $111.00. Analysts point to stable industry conditions and improving claims experience supporting the outlook.AFL: Earnings Stability And Strong Buybacks Will Support Balanced Outlook
Analysts have increased their price targets for Aflac, with upward revisions ranging from $1 to $6 per share. They cite stable earnings performance, as well as positive impacts from new product sales and favorable claims experience.Custom Cancer Insurance And Digital Underwriting Will Drive Future Expansion
Aflac's analyst price target has been increased from $108.31 to $110.00. Analysts cite steady improvements in revenue growth, profit margins, and favorable claims experience as key factors supporting the upward revision.Custom Cancer Insurance And Digital Underwriting Will Drive Future Expansion
Aflac's analyst price target has been raised slightly, with an increase of $2 to $108. Analysts highlight strong Q2 sales driven by new product rollouts and improved net interest income.Aflac Incorporated Just Missed Earnings - But Analysts Have Updated Their Models
May 03
Aflac's Shares Are Overvalued
Jan 08Insurer Aflac Quacks Away At Policy Growth And Low Debt Risk
Nov 02Aflac: Double Digit Dividend Growth And Strong Portfolio Of Investments
Aug 26Aflac Incorporated: Good Positioning But Risks From Japan
Apr 22Aflac: Growing Cancer Cases Will Lead To Higher Revenues
Apr 09Aflac: A Dividend Aristocrat To Watch
Feb 08Shareholder Returns
| AFL | US Insurance | US Market | |
|---|---|---|---|
| 7D | -1.5% | -1.0% | 0.8% |
| 1Y | 7.0% | -8.2% | 27.8% |
Return vs Industry: AFL exceeded the US Insurance industry which returned -8.3% over the past year.
Return vs Market: AFL underperformed the US Market which returned 27.7% over the past year.
Price Volatility
| AFL volatility | |
|---|---|
| AFL Average Weekly Movement | 2.6% |
| Insurance Industry Average Movement | 4.4% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.3% |
| 10% least volatile stocks in US Market | 3.2% |
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 (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1955 | 12,716 | Dan Amos | www.aflac.com |
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It 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
| AFL fundamental statistics | |
|---|---|
| Market cap | US$57.63b |
| Earnings (TTM) | US$4.64b |
| Revenue (TTM) | US$18.11b |
12.4x
P/E Ratio3.2x
P/S RatioIs AFL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| AFL income statement (TTM) | |
|---|---|
| Revenue | US$18.11b |
| Cost of Revenue | US$9.05b |
| Gross Profit | US$9.07b |
| Other Expenses | US$4.43b |
| Earnings | US$4.64b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Aug 06, 2026
| Earnings per share (EPS) | 9.08 |
| Gross Margin | 50.05% |
| Net Profit Margin | 25.60% |
| Debt/Equity Ratio | 26.4% |
How did AFL perform over the long term?
See historical performance and comparisonDividends
2.2%
Current Dividend Yield19%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/03 07:30 |
| End of Day Share Price | 2026/05/01 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 30 analysts. 9 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 |
|---|---|
| Jay Gelb | Barclays |
| Taylor Scott | Barclays |
| Jack Matten | BMO Capital Markets Equity Research |