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VIE/AFL (VIE/AFL)

Vienna Stock Exchange: VIE/AFL · EUR

€109

+0.60 (+0.6%)· Recorded snapshot

Market cap	54.8B
Revenue (ttm)	15.8B
Net income (ttm)	4.3B
EPS (ttm)	€8.42
P/E (trailing)	13.0x
P/E (forward)	16.8x
Dividend	€2.07 (1.89%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 15.8B
Net income (ttm): 4.3B
EPS (ttm): €8.42
P/E (trailing): 13.0x
P/E (forward): 16.8x
Market cap: 54.8B

Metric	Value
Amount currency	EUR
Country	United States
Country code	AT
Earnings date	2026-11-04
Employees	12,716
Employees change	22
Employees growth	0.17%
Enterprise value	EUR 63.8B
Exchange	Vienna Stock Exchange
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1955
Industry	Insurance - Life
Is primary listing	No
ISIN number	US0010551028
Last earnings date	2026-08-06
Last refreshed	2026-10-29
Market cap	EUR 54.8B
Next earnings date	2026-11-04
Price	EUR 109.30
Price currency	EUR
Sector	Financials
SIC code	6321
Stock price date	2026-10-28
Symbol	vie/AFL
Website	https://www.aflac.com

Metric

Value

Amount currency

EUR

Country

United States

Country code

Earnings date

2026-11-04

Employees

12,716

Employees change

Employees growth

0.17%

Enterprise value

EUR 63.8B

Exchange

Vienna Stock Exchange

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1955

Industry

Insurance - Life

Is primary listing

ISIN number

US0010551028

Last earnings date

2026-08-06

Last refreshed

2026-10-29

Market cap

EUR 54.8B

Next earnings date

2026-11-04

Price

EUR 109.30

Price currency

EUR

Sector

Financials

SIC code

6321

Stock price date

2026-10-28

Symbol

vie/AFL

Website

https://www.aflac.com

Metric	Value
Average P/E ratio (10Y)	10.49x
Average P/E ratio (3Y)	13.39x
Average P/E ratio (5Y)	11.54x
Earnings yield	7.7%
EV/Earnings	14.99x
EV/EBIT	11.79x
EV/EBITDA	11.64x
EV/Sales	3.93x
Forward P/E	16.83x
Graham number	100.59808
Graham upside	-7.96%
Lynch fair value	EUR 42.47
Lynch upside	-61.14%
P/B ratio	2.06x
P/E ratio	12.98x
P/OCF ratio	23.02x
P/S ratio	3.46x
Price / tangible book value	2.06x
Price/EBITDA ratio	10.32x
Sector forward P/E	9.54x
Sector P/E	10.89x

Metric

Value

Average P/E ratio (10Y)

10.49x

Average P/E ratio (3Y)

13.39x

Average P/E ratio (5Y)

11.54x

Earnings yield

7.7%

EV/Earnings

14.99x

EV/EBIT

11.79x

EV/EBITDA

11.64x

EV/Sales

3.93x

Forward P/E

16.83x

Graham number

100.59808

Graham upside

-7.96%

Lynch fair value

EUR 42.47

Lynch upside

-61.14%

P/B ratio

2.06x

P/E ratio

12.98x

P/OCF ratio

23.02x

P/S ratio

3.46x

Price / tangible book value

2.06x

Price/EBITDA ratio

10.32x

Sector forward P/E

9.54x

Sector P/E

10.89x

Metric	Value
EBIT margin	33.36%
EBITDA margin	33.57%
Effective tax rate	15.97%
Gross margin	50.89%
Operating margin	33.36%
Pretax margin	32.02%
Profit margin	26.91%
Profit per employee	EUR 334,674
Profitable quarters	7
Profitable years	33
Revenue per employee	EUR 1.2M
ROA	3.13%
ROA (5Y)	2.57%
ROCE	5.83%
ROE	16.91%
ROE (5Y)	17.42%
ROIC	11.14%
ROIC (5Y)	13.03%
Tax / revenue	5.11%

Metric

Value

EBIT margin

33.36%

EBITDA margin

33.57%

Effective tax rate

15.97%

Gross margin

50.89%

Operating margin

33.36%

Pretax margin

32.02%

Profit margin

26.91%

Profit per employee

EUR 334,674

Profitable quarters

Profitable years

Revenue per employee

EUR 1.2M

ROA

3.13%

ROA (5Y)

2.57%

ROCE

5.83%

ROE

16.91%

ROE (5Y)

17.42%

ROIC

11.14%

ROIC (5Y)

13.03%

Tax / revenue

5.11%

Metric	Value
EPS growth	111.56%
EPS growth (Q)	46.85%
EPS growth (QoQ)	-17.68%
EPS growth 10Y	11.91%
EPS growth 3Y	6.46%
EPS growth 5Y	2.4%
EPS growth quarters	2
EPS growth years	0
Net income growth	99.51%
Net income growth (Q)	37.73%
Net income growth (QoQ)	-19.04%
Net income growth 3Y	0.44%
Net income growth 5Y	-3.49%
Net income growth quarters	2
Net income growth years	0
OCF growth	2.16%
OCF growth (Q)	-71.93%
OCF growth (QoQ)	-88.43%
OCF growth 10Y	-8.63%
OCF growth 3Y	-8.37%
OCF growth 5Y	-14.18%
Revenue growth	13.57%
Revenue growth (Q)	-1.03%
Revenue growth (QoQ)	-5.27%
Revenue growth 10Y	-1.65%
Revenue growth 3Y	-1%
Revenue growth 5Y	-4.72%
Revenue growth years	0

Metric

Value

EPS growth

111.56%

EPS growth (Q)

46.85%

EPS growth (QoQ)

-17.68%

EPS growth 10Y

11.91%

EPS growth 3Y

6.46%

EPS growth 5Y

2.4%

EPS growth quarters

EPS growth years

Net income growth

99.51%

Net income growth (Q)

37.73%

Net income growth (QoQ)

-19.04%

Net income growth 3Y

0.44%

Net income growth 5Y

-3.49%

Net income growth quarters

Net income growth years

OCF growth

2.16%

OCF growth (Q)

-71.93%

OCF growth (QoQ)

-88.43%

OCF growth 10Y

-8.63%

OCF growth 3Y

-8.37%

OCF growth 5Y

-14.18%

Revenue growth

13.57%

Revenue growth (Q)

-1.03%

Revenue growth (QoQ)

-5.27%

Revenue growth 10Y

-1.65%

Revenue growth 3Y

-1%

Revenue growth 5Y

-4.72%

Revenue growth years

Metric	Value
EBIT	EUR 5.3B
EBITDA	EUR 5.3B
EPS	EUR 8.42
Financing cash flow	EUR -4.2B
Gross profit	EUR 8B
Income taxes	EUR 808.8M
Investing cash flow	EUR 1.2B
Net borrowing	EUR 383.7M
Net cash flow	EUR -739.6M
Net income	EUR 4.3B
Operating income	EUR 5.3B
Revenue	EUR 15.8B

Metric

Value

EBIT

EUR 5.3B

EBITDA

EUR 5.3B

EPS

EUR 8.42

Financing cash flow

EUR -4.2B

Gross profit

EUR 8B

Income taxes

EUR 808.8M

Investing cash flow

EUR 1.2B

Net borrowing

EUR 383.7M

Net cash flow

EUR -739.6M

Net income

EUR 4.3B

Operating income

EUR 5.3B

Revenue

EUR 15.8B

Metric	Value
Book value per share	EUR 52.83
Debt / EBITDA	2.65
Debt / equity	0.53
Interest coverage	24.91
Net cash (debt)	EUR -8.8B
Net cash / market cap	-16.07%
Net debt / EBITDA	1.66
Net debt / equity	0.33
Piotroski F-Score	5
Property, plant and equipment	EUR 315.4M
Shareholders' equity	EUR 26.5B
Tangible book value	EUR 26.5B
Tangible book value per share	EUR 52.83
Total assets	EUR 101.5B
Total cash	EUR 7.8B
Total debt	EUR 14.2B
Total liabilities	EUR 75B

Metric

Value

Book value per share

EUR 52.83

Debt / EBITDA

2.65

Debt / equity

0.53

Interest coverage

24.91

Net cash (debt)

EUR -8.8B

Net cash / market cap

-16.07%

Net debt / EBITDA

1.66

Net debt / equity

0.33

Piotroski F-Score

Property, plant and equipment

EUR 315.4M

Shareholders' equity

EUR 26.5B

Tangible book value

EUR 26.5B

Tangible book value per share

EUR 52.83

Total assets

EUR 101.5B

Total cash

EUR 7.8B

Total debt

EUR 14.2B

Total liabilities

EUR 75B

Metric	Value
Asset turnover	0.15
Current ratio	0.89
Net working capital	EUR 557.6M
Quick ratio	0.78
Working capital	EUR -1.2B

Metric

Value

Asset turnover

0.15

Current ratio

0.89

Net working capital

EUR 557.6M

Quick ratio

0.78

Working capital

EUR -1.2B

Metric	Value
Buyback yield / dilution	5.75%
Dividend growth	1.52%
Dividend growth (3Y)	10.1%
Dividend growth (5Y)	14.35%
Dividend growth years	5
Dividend payment date	2026-09-01
Dividend payment years	7
Dividend payout frequency	Quarterly
Dividend per share	EUR 2.07
Dividend yield	1.89%
Ex-dividend date	2026-08-19
Last dividend	EUR 0.53
Payout ratio	24.56%
Shareholder yield	7.64%

Metric

Value

Buyback yield / dilution

5.75%

Dividend growth

1.52%

Dividend growth (3Y)

10.1%

Dividend growth (5Y)

14.35%

Dividend growth years

Dividend payment date

2026-09-01

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

EUR 2.07

Dividend yield

1.89%

Ex-dividend date

2026-08-19

Last dividend

EUR 0.53

Payout ratio

24.56%

Shareholder yield

7.64%

Metric	Value
150-day SMA	EUR 101.87
1D price change	0.55%
1M price change	9.63%
1M total return	9.63%
1W price change	2.68%
1W total return	2.68%
1Y price change	18.86%
1Y return CAGR	21.36%
1Y total return	21.34%
20-day SMA	EUR 104.18
200-day SMA	EUR 100.11
3M price change	-1.84%
3M total return	-1.35%
3Y price change	50.34%
3Y return CAGR	17.01%
3Y total return	60.21%
50-day SMA	EUR 101.95
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 114.15
52-week high date	2026-07-29
52-week low	EUR 90.26
52-week low date	2026-01-28
5Y price change	121.17%
5Y return CAGR	19.89%
5Y total return	147.62%
6M price change	11.17%
6M total return	12.31%
All-time high	EUR 114.15
All-time high date	2026-07-29
All-time low	EUR 44.00
All-time low date	2021-09-21
Average true range (ATR)	EUR 1.24
Average volume	0
Change from 52-week high	-4.25%
Change from 52-week low	21.1%
Change from all-time high	-4.25%
Change from all-time low	148.41%
Change from open	0.18%
Day's gap	0.37%
High price	EUR 109.60
Low price	EUR 109.10
Monthly RSI	63.34
Open price	EUR 109.10
Position in 52-week range	40%
Previous close	EUR 108.70
Price vs 150-day SMA	7.29%
Price vs 20-day SMA	4.92%
Price vs 200-day SMA	9.18%
Price vs 50-day SMA	7.21%
Relative volume	6.92
RSI	75.4
Sharpe ratio	0.91
Sharpe ratio (3Y)	0.61
Sharpe ratio (5Y)	0.81
Sortino ratio	1.7
Sortino ratio (3Y)	1.1
Sortino ratio (5Y)	1.41
Weekly RSI	61.9
YTD price change	16.92%
YTD total return	18.76%

Metric

Value

150-day SMA

EUR 101.87

1D price change

0.55%

1M price change

9.63%

1M total return

9.63%

1W price change

2.68%

1W total return

2.68%

1Y price change

18.86%

1Y return CAGR

21.36%

1Y total return

21.34%

20-day SMA

EUR 104.18

200-day SMA

EUR 100.11

3M price change

-1.84%

3M total return

-1.35%

3Y price change

50.34%

3Y return CAGR

17.01%

3Y total return

60.21%

50-day SMA

EUR 101.95

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 114.15

52-week high date

2026-07-29

52-week low

EUR 90.26

52-week low date

2026-01-28

5Y price change

121.17%

5Y return CAGR

19.89%

5Y total return

147.62%

6M price change

11.17%

6M total return

12.31%

All-time high

EUR 114.15

All-time high date

2026-07-29

All-time low

EUR 44.00

All-time low date

2021-09-21

Average true range (ATR)

EUR 1.24

Average volume

Change from 52-week high

-4.25%

Change from 52-week low

21.1%

Change from all-time high

-4.25%

Change from all-time low

148.41%

Change from open

0.18%

Day's gap

0.37%

High price

EUR 109.60

Low price

EUR 109.10

Monthly RSI

63.34

Open price

EUR 109.10

Position in 52-week range

40%

Previous close

EUR 108.70

Price vs 150-day SMA

7.29%

Price vs 20-day SMA

4.92%

Price vs 200-day SMA

9.18%

Price vs 50-day SMA

7.21%

Relative volume

6.92

RSI

75.4

Sharpe ratio

0.91

Sharpe ratio (3Y)

0.61

Sharpe ratio (5Y)

0.81

Sortino ratio

1.7

Sortino ratio (3Y)

1.1

Sortino ratio (5Y)

1.41

Weekly RSI

61.9

YTD price change

16.92%

YTD total return

18.76%

Metric	Value
Float	497M
Shares change (QoQ)	-1.79%
Shares change (YoY)	-5.75%
Shares held by insiders	0.76%
Shares held by institutions	69.25%
Short ratio	5.1 days

Metric

Value

Float

497M

Shares change (QoQ)

-1.79%

Shares change (YoY)

-5.75%

Shares held by insiders

0.76%

Shares held by institutions

69.25%

Short ratio

5.1 days

VIE/AFL (VIE/AFL)

Price

Financial snapshot

Fair-value bridge

Latest news · VIE/AFL

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All VIE/AFL indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on VIE/AFL

Frequently asked questions