Stock · AFL · Financial Services
United States · Large Cap · listed since 1984 · Revenue 12 mo. $18.1B
Price as of 11/06/2026
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products.
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.
Original text from the data provider
Summary
52.2 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €24.8B, market value €55.5B (P/B 2.2). At a 9% discount rate, the premium over book value only pays off with a lasting 20.1% return on equity.
Required return on equity per year
20.1%
no perpetual growth
Price to book 2.24×, above its usual range.
Middle half of 20 quarters: 1.78× to 2.13×, median 2.01×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q1 → Q2 2026
2 more unchanged: Revenue, 12 mo., Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 12.36% | 12.46% | Rank 49 |
| Return on capital (Greenblatt) | 6.98% | 59.04% | Rank 18 |
| EBIT margin | 26.61% | 23.06% | Rank 58 |
| FCF margin | 14.65% | 19.82% | Rank 37 |
| Gross margin | 38.93% | 65.53% | Rank 14 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | −8.84% | 7.39% | Rank 13 |
| Earnings growth, 3 years per year | −0.36% | 15.20% | Rank 14 |
| Earnings growth, 5 years per year | 0.54% | 15.17% | Rank 11 |
| Sustainable growth (ROE × retained earnings) | 0.00% | 1.25% | Rank 6 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 5.52% | 6.47% | Rank 38 |
| FCF yield | 4.13% | 7.16% | Rank 31 |
| EV/saleslower is better | −0.01 | 2.82 | Rank 86 |
| EV/EBITlower is betterdoes not count towards the rank | −0.03 | 14.24 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | −0.49% | 7.80% | Rank 36 |
| Share price, 6 months | 10.17% | 8.71% | Rank 57 |
| Share price, 3 months | 4.69% | 0.45% | Rank 66 |
| Distance from 52-week high | −4.24% | −10.68% | Rank 79 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | −0.40% | 1.23% | Rank 78 |
| Change in share countlower is better | −5.84% | −0.60% | Rank 92 |
| Dividend streak in years | 38 | 5 | Rank 100 |
| Price reaction to results, market-adjusted | −2.50% | 0.00% | Rank 18 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 25.32% | 9.21% | Rank 76 |
| Net debt/EBITDAlower is better | −11.15 | 0.12 | Rank 87 |
| Debt to equitylower is better | 0.29 | 0.90 | Rank 80 |
| Volatility, 1 yearlower is better | 17.49% | 25.95% | Rank 93 |
Ten years in figures
| Year | Revenue, $B | Net income, $B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 22.6 | 2.7 | 13.0% | 828M |
| 2017 | 21.7 | 4.4 | 17.9% | 798M |
| 2018 | 21.8 | 2.9 | 12.5% | 775M |
| 2019 | 22.3 | 3.3 | 11.4% | 746M |
| 2020 | 22.1 | 4.8 | 3.0% | 716M |
| 2021 | 22.1 | 4.3 | 13.0% | 677M |
| 2022 | 19.2 | 4.4 | 21.9% | 638M |
| 2023 | 18.8 | 4.7 | 21.2% | 599M |
| 2024 | 19.1 | 5.4 | 20.9% | 565M |
| 2025 | 17.4 | 3.6 | 12.4% | 532M |
0 of 7 StockScorer Score rules met · How the score is built
Aflac Incorporated mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Aflac Incorporated. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
0 of 7 rules met
0 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Aflac Incorporated.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 18.1 | 15.2 |
| P/B ratio | 2.2 | 1.8 |
| Return on equity (ROE) | 12.4% | 12.5% |
| Equity ratio | 25.3% | 9.2% |
| Debt-to-equity (D/E) | 0.29 | 0.90 |
| Dividend yield | 1.9% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| AFL | Aflac Incorporatedthis page | |
| MET | MetLife Inc | Low5.5 |
| PRU | Prudential Financial, Inc. | Low3.6 |
| 2881.TW | Fubon Financial Holding Co Ltd | locked |
| GWO.TO | Great-West Lifeco Inc. | locked |
| MFC.TO | Manulife Financial Corp | locked |
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Learn more about the metrics in the metrics glossary or all rated stocks in the stock overview.
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