Inside the research
Aflac Incorporated
AFL Research profile · latest available data
Price overview
$113.72
▼ -0.29 (-0.3%)
| 52w hi | $128.90 |
|---|---|
| 52w lo | $103.54 |
| Vol | 1.66M |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.09
| Short | -0.03 |
|---|---|
| Medium | +0.11 |
| Long | +0.31 |
computed 2026-09-27
Key fundamentals
Aflac Incorporated
Financial Services · Insurance - Life
| Market cap | $57.01B |
|---|---|
| Enterprise value | $64.25B |
| Trailing P/E | 12.27x |
| Forward P/E | 15.08x |
| EV / EBITDA | 10.59x |
| P / S (ttm) | 3.16x |
| Profit margin | 26.9% |
| Return on equity | 16.9% |
| Revenue growth | -1.0% |
| Earnings growth | +46.8% |
| Debt / equity | 53.37 |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.33 | |
| Sector | +0.02 | |
| Technical | -0.02 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
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. Its Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company also provides hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as cafeteria plans. It sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.
Risk Metrics
| Beta vs SPX | 0.34 |
|---|---|
| Corr SPX | 0.28 |
| Annual vol | 19.8% |
| Annual ret | +4.6% |
| Sharpe | 0.23 |
| Max DD | -14.9% |
Window: 504 trading days (504 obs)
Analyst Coverage
| Mean PT | $111.79 |
|---|---|
| High / Low | $126.00 / $99.00 |
| Median | $112.50 |
| Analysts | 14 |
| Strong Buy | 2 | |
|---|---|---|
| Buy | 1 | |
| Hold | 8 | |
| Sell | 2 | |
| Strong Sell | 1 |
Recent rating actions
| 2026-05-05 | Wells Fargo | → Equal-Weight |
| 2026-05-01 | Piper Sandler | → Overweight |
| 2026-04-30 | Barclays | → Underweight |
| 2026-04-13 | Mizuho | → Underperform |
| 2026-04-10 | Wells Fargo | → Equal-Weight |
| 2026-04-10 | Keefe, Bruyette & Woods | → Market Perform |
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-08-06 | Earnings Release, Reg FD Disclosure… | read |
| 2026-06-30 | Other Material Event | read |
| 2026-05-28 | Other Material Event, Exhibits | read |
| 2026-05-14 | Other Material Event, Exhibits | read |
| 2026-05-07 | Shareholder Vote | read |
| 2026-04-29 | Earnings Release, Reg FD Disclosure… | read |
| 2026-02-04 | Earnings Release, Reg FD Disclosure… | read |
| 2025-11-04 | Earnings Release, Reg FD Disclosure… | read |
| 2025-08-27 | Material Obligation | read |
| 2025-08-05 | Earnings Release, Exhibits | read |
| 2025-06-20 | Other Material Event | read |
| 2025-06-05 | Other Material Event, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-10 | MOSKOWITZ JOSEPH L | Sell | 600 | $74.46K | |
| 2026-06-22 | MOSKOWITZ JOSEPH L | Option exercise | 20.30K | $905.31K | |
| 2026-06-22 | MOSKOWITZ JOSEPH L | Sell | 4.60K | $536.08K | |
| 2026-06-22 | MOSKOWITZ JOSEPH L | Sell | 7.77K | $905.54K |
Flow & Concentration
| Insider 180d net | -$1.52M |
|---|---|
| Insider buys / sells | 0 / 3 |
| Insider bias | Neutral |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
Dividends
| Yield (TTM) | 1.05% |
|---|---|
| $ / share (TTM) | $1.19 |
| 5y CAGR | +15.7% |
Annual dividend per share
| 2021 | $1.32 |
|---|---|
| 2022 | $1.60 |
| 2023 | $1.68 |
| 2024 | $2.00 |
| 2025 | $2.32 |
| 2026 | $0.61 |
SEC Filings
The Long Run
FY 2009–2025 · 17 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $17.16B | -0.4% | |
| Operating income | $4.42B | +2.3% | |
| Net income | $4.66B | +4.7% | |
| Cash from ops | $3.19B | -2.7% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $114.24 | $114.46 | $113.02 | $113.72 | 1.66M |
| Sep 24 | $115.77 | $116.10 | $113.81 | $114.01 | 1.60M |
| Sep 23 | $114.06 | $116.19 | $114.04 | $115.23 | 1.93M |
| Sep 22 | $115.02 | $115.06 | $114.12 | $114.60 | 2.00M |
| Sep 21 | $116.41 | $116.73 | $114.99 | $115.18 | 1.89M |
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