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ETR/AFL (ETR/AFL)

Deutsche Börse Xetra: ETR/AFL · EUR

€109

+0.60 (+0.6%)· Recorded snapshot

Market cap	55.2B
Revenue (ttm)	15.8B
Net income (ttm)	4.3B
EPS (ttm)	€8.42
P/E (trailing)	13.0x
P/E (forward)	16.9x
Dividend	€2.07 (1.89%)
Volume	55
Beta	0.66

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	EUR
Country	United States
Country code	DE
Earnings date	2026-11-04
Employees	12,716
Employees change	22
Employees growth	0.17%
Enterprise value	EUR 64.2B
Exchange	Deutsche Börse Xetra
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-10-22
Fiscal year end	December
Founded	1955
Industry	Insurance - Life
Is primary listing	No
ISIN number	US0010551028
Last refreshed	2026-10-28
Market cap	EUR 55.2B
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	etr/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 64.2B

Exchange

Deutsche Börse Xetra

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-10-22

Fiscal year end

December

Founded

1955

Industry

Insurance - Life

Is primary listing

ISIN number

US0010551028

Last refreshed

2026-10-28

Market cap

EUR 55.2B

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

etr/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	15.02x
EV/EBIT	11.81x
EV/EBITDA	11.66x
EV/Sales	3.94x
Forward P/E	16.86x
Graham number	99.81564
Graham upside	-8.17%
Lynch fair value	EUR 42.14
Lynch upside	-61.23%
P/B ratio	2.07x
P/E ratio	12.99x
P/OCF ratio	23.09x
P/S ratio	3.47x
Price / tangible book value	2.07x
Price/EBITDA ratio	10.34x
Sector forward P/E	11.95x
Sector P/E	12.95x

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

15.02x

EV/EBIT

11.81x

EV/EBITDA

11.66x

EV/Sales

3.94x

Forward P/E

16.86x

Graham number

99.81564

Graham upside

-8.17%

Lynch fair value

EUR 42.14

Lynch upside

-61.23%

P/B ratio

2.07x

P/E ratio

12.99x

P/OCF ratio

23.09x

P/S ratio

3.47x

Price / tangible book value

2.07x

Price/EBITDA ratio

10.34x

Sector forward P/E

11.95x

Sector P/E

12.95x

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 383.5M
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 383.5M

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	-16.04%
Net debt / EBITDA	1.66
Net debt / equity	0.33
Piotroski F-Score	5
Property, plant and equipment	EUR 315.2M
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
WACC	6.54%

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

-16.04%

Net debt / EBITDA

1.66

Net debt / equity

0.33

Piotroski F-Score

Property, plant and equipment

EUR 315.2M

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

WACC

6.54%

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	1.32%
Dividend growth (10Y)	24.62%
Dividend growth (3Y)	10.02%
Dividend growth (5Y)	14.28%
Dividend growth years	6
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 0.52
Payout ratio	24.56%
Shareholder yield	7.65%

Metric

Value

Buyback yield / dilution

5.75%

Dividend growth

1.32%

Dividend growth (10Y)

24.62%

Dividend growth (3Y)

10.02%

Dividend growth (5Y)

14.28%

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 0.52

Payout ratio

24.56%

Shareholder yield

7.65%

Metric	Value
150-day SMA	EUR 93.24
1D price change	0.55%
1W price change	2.58%
1W total return	2.58%
1Y price change	18.83%
1Y return CAGR	19.46%
1Y total return	19.45%
20-day SMA	EUR 99.22
200-day SMA	EUR 92.90
20Y price change	210.6%
20Y return CAGR	7.02%
20Y total return	288.25%
3Y price change	46.32%
3Y return CAGR	15.36%
3Y total return	53.53%
50-day SMA	EUR 96.37
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 110.00
52-week high date	2026-10-28
52-week low	EUR 90.74
52-week low date	2026-01-23
5Y price change	122.7%
5Y return CAGR	19.68%
5Y total return	145.51%
All-time high	EUR 110.00
All-time high date	2026-10-23
All-time low	EUR 9.01
All-time low date	2009-03-10
Average true range (ATR)	EUR 1.94
Average volume	83.7
Beta (5Y)	0.66
Change from 52-week high	-0.64%
Change from 52-week low	20.45%
Change from all-time high	-0.64%
Change from all-time low	1,113.1%
Change from open	0.46%
Day's gap	0.09%
Dollar volume	EUR 6,012
High price	EUR 110.00
Low price	EUR 108.80
Monthly RSI	66.77
Open price	EUR 108.80
Position in 52-week range	41.67%
Previous close	EUR 108.70
Price vs 150-day SMA	17.23%
Price vs 20-day SMA	10.16%
Price vs 200-day SMA	17.65%
Price vs 50-day SMA	13.42%
Relative volume	0.63
RSI	76.49
Sharpe ratio	0.24
Sharpe ratio (3Y)	0.73
Sharpe ratio (5Y)	0.88
Sortino ratio	0.65
Sortino ratio (3Y)	1.41
Sortino ratio (5Y)	1.53
Volume	55
Weekly RSI	69.34
YTD price change	16.82%
YTD total return	16.82%

Metric

Value

150-day SMA

EUR 93.24

1D price change

0.55%

1W price change

2.58%

1W total return

2.58%

1Y price change

18.83%

1Y return CAGR

19.46%

1Y total return

19.45%

20-day SMA

EUR 99.22

200-day SMA

EUR 92.90

20Y price change

210.6%

20Y return CAGR

7.02%

20Y total return

288.25%

3Y price change

46.32%

3Y return CAGR

15.36%

3Y total return

53.53%

50-day SMA

EUR 96.37

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 110.00

52-week high date

2026-10-28

52-week low

EUR 90.74

52-week low date

2026-01-23

5Y price change

122.7%

5Y return CAGR

19.68%

5Y total return

145.51%

All-time high

EUR 110.00

All-time high date

2026-10-23

All-time low

EUR 9.01

All-time low date

2009-03-10

Average true range (ATR)

EUR 1.94

Average volume

83.7

Beta (5Y)

0.66

Change from 52-week high

-0.64%

Change from 52-week low

20.45%

Change from all-time high

-0.64%

Change from all-time low

1,113.1%

Change from open

0.46%

Day's gap

0.09%

Dollar volume

EUR 6,012

High price

EUR 110.00

Low price

EUR 108.80

Monthly RSI

66.77

Open price

EUR 108.80

Position in 52-week range

41.67%

Previous close

EUR 108.70

Price vs 150-day SMA

17.23%

Price vs 20-day SMA

10.16%

Price vs 200-day SMA

17.65%

Price vs 50-day SMA

13.42%

Relative volume

0.63

RSI

76.49

Sharpe ratio

0.24

Sharpe ratio (3Y)

0.73

Sharpe ratio (5Y)

0.88

Sortino ratio

0.65

Sortino ratio (3Y)

1.41

Sortino ratio (5Y)

1.53

Volume

Weekly RSI

69.34

YTD price change

16.82%

YTD total return

16.82%

Metric	Value
Float	497M
Shares change (QoQ)	-1.79%
Shares change (YoY)	-5.75%
Shares held by insiders	0.76%
Shares held by institutions	69.14%
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

69.14%

Short ratio

5.1 days

ETR/AFL (ETR/AFL)

Price

Financial snapshot

Fair-value bridge

Latest news · ETR/AFL

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ETR/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 ETR/AFL

Frequently asked questions