AFL Stock Overview
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$57.80|
|52 Week High||US$67.20|
|52 Week Low||US$51.28|
|1 Month Change||-7.37%|
|3 Month Change||-3.05%|
|1 Year Change||2.76%|
|3 Year Change||12.39%|
|5 Year Change||53.36%|
|Change since IPO||4,819.15%|
Recent News & Updates
Results: Aflac Incorporated Exceeded Expectations And The Consensus Has Updated Its Estimates
A week ago, Aflac Incorporated ( NYSE:AFL ) came out with a strong set of first-quarter numbers that could potentially...
|AFL||US Insurance||US Market|
Return vs Industry: AFL matched the US Insurance industry which returned 2.5% over the past year.
Return vs Market: AFL exceeded the US Market which returned -13.2% over the past year.
|AFL Average Weekly Movement||3.6%|
|Insurance Industry Average Movement||5.0%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: AFL is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: AFL's weekly volatility (4%) has been stable over the past year.
About the Company
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan.
Aflac Fundamentals Summary
|AFL fundamental statistics|
Is AFL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|AFL income statement (TTM)|
|Cost of Revenue||US$12.74b|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||6.31|
|Net Profit Margin||18.89%|
How did AFL perform over the long term?See historical performance and comparison
2.8%Current Dividend Yield
Is Aflac undervalued compared to its fair value and its price relative to the market?
Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: AFL ($57.8) is trading below our estimate of fair value ($123.39)
Significantly Below Fair Value: AFL is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: AFL is good value based on its Price-To-Earnings Ratio (9.2x) compared to the US Insurance industry average (11.1x).
PE vs Market: AFL is good value based on its Price-To-Earnings Ratio (9.2x) compared to the US market (14.9x).
Price to Earnings Growth Ratio
PEG Ratio: AFL's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: AFL is overvalued based on its Price-To-Book Ratio (1.3x) compared to the US Insurance industry average (1x).
How is Aflac forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AFL's earnings are forecast to decline over the next 3 years (-0.9% per year).
Earnings vs Market: AFL's earnings are forecast to decline over the next 3 years (-0.9% per year).
High Growth Earnings: AFL's earnings are forecast to decline over the next 3 years.
Revenue vs Market: AFL's revenue is expected to decline over the next 3 years (-0.8% per year).
High Growth Revenue: AFL's revenue is forecast to decline over the next 3 years (-0.8% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AFL's Return on Equity is forecast to be low in 3 years time (11.5%).
How has Aflac performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AFL has high quality earnings.
Growing Profit Margin: AFL's current net profit margins (18.9%) are lower than last year (24.1%).
Past Earnings Growth Analysis
Earnings Trend: AFL's earnings have grown by 7.1% per year over the past 5 years.
Accelerating Growth: AFL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: AFL had negative earnings growth (-26.2%) over the past year, making it difficult to compare to the Insurance industry average (-2.6%).
Return on Equity
High ROE: AFL's Return on Equity (13.8%) is considered low.
How is Aflac's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: AFL's short term assets ($9.4B) do not cover its short term liabilities ($14.7B).
Long Term Liabilities: AFL's short term assets ($9.4B) do not cover its long term liabilities ($102.9B).
Debt to Equity History and Analysis
Debt Level: AFL's net debt to equity ratio (13.6%) is considered satisfactory.
Reducing Debt: AFL's debt to equity ratio has increased from 32.9% to 34% over the past 5 years.
Debt Coverage: AFL's debt is well covered by operating cash flow (49.2%).
Interest Coverage: AFL's interest payments on its debt are well covered by EBIT (22.5x coverage).
What is Aflac current dividend yield, its reliability and sustainability?
Dividend Score 5/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AFL's dividend (2.77%) is higher than the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: AFL's dividend (2.77%) is low compared to the top 25% of dividend payers in the US market (4.06%).
Stability and Growth of Payments
Stable Dividend: AFL's dividends per share have been stable in the past 10 years.
Growing Dividend: AFL's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its low payout ratio (22.7%), AFL's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its low cash payout ratio (20.8%), AFL's dividend payments are well covered by cash flows.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dan Amos (69 yo)
Mr. Daniel Paul Amos, also known as Dan, has been Chief Executive Officer of Aflac Incorporated and Aflac since 1990. He has been Chairman of Aflac Incorporated since 2001 and also has been its Director si...
CEO Compensation Analysis
Compensation vs Market: Dan's total compensation ($USD15.73M) is about average for companies of similar size in the US market ($USD13.26M).
Compensation vs Earnings: Dan's compensation has been consistent with company performance over the past year.
Experienced Management: AFL's management team is seasoned and experienced (8 years average tenure).
Experienced Board: AFL's board of directors are considered experienced (7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: AFL insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Aflac Incorporated's employee growth, exchange listings and data sources
- Name: Aflac Incorporated
- Ticker: AFL
- Exchange: NYSE
- Founded: 1955
- Industry: Life and Health Insurance
- Sector: Insurance
- Implied Market Cap: US$36.769b
- Shares outstanding: 644.16m
- Website: https://www.aflac.com
Number of Employees
- Aflac Incorporated
- 1932 Wynnton Road
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/25 00:00|
|End of Day Share Price||2022/05/25 00:00|
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 here.