BIT/1AFL (BIT/1AFL)

Borsa Italiana: BIT/1AFL · EUR

€98.3

-0.50 (-0.5%)· Recorded snapshot

Market cap	54.9B
Revenue (ttm)	15.8B
Net income (ttm)	4.3B
EPS (ttm)	€8.42
P/E (trailing)	11.7x
P/E (forward)	16.9x
Dividend	€1.54 (1.57%)

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): 11.7x
P/E (forward): 16.9x
Market cap: 54.9B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E16.9

P25 9.9P50 11.4P75 15.9

Trailing P/E11.7

P25 10.6P50 12.9P75 19.7

ROE16.9

P25 9.2P50 13.9P75 20.3

ROIC11.1

P25 4.1P50 8.8P75 16.9

Benchmarks · 1M

All BIT/1AFL indicators

Market & fundamental data

Available fields

196

Groups with data

Currency

USD

Showing 196 of 196 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	United States
Country code	IT
Earnings date	2026-11-04
Employees	12,716
Employees change	22
Employees growth	0.17%
Enterprise value	EUR 63.9B
Exchange	Borsa Italiana
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-09-19
Fiscal year end	December
Founded	1955
Industry	Insurance - Life
Is primary listing	No
ISIN number	US0010551028
Last refreshed	2026-10-28
Market cap	EUR 54.9B
Next earnings date	2026-11-04
Price	EUR 98.28
Price currency	EUR
Sector	Financials
SIC code	6321
Stock price date	2026-10-02
Symbol	bit/1AFL
Website	https://www.aflac.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

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	8.56%
EV/Earnings	15.02x
EV/EBIT	11.81x
EV/EBITDA	11.66x
EV/Sales	3.94x
Forward P/E	16.86x
Graham number	90.2473
Graham upside	-8.17%
Lynch fair value	EUR 38.10
Lynch upside	-61.23%
P/B ratio	2.07x
P/E ratio	11.68x
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	10.84x
Sector P/E	11.71x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

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

Liquidity

Current-asset coverage and working-capital efficiency metrics.

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

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	5.75%
Dividend growth	0%
Dividend growth (3Y)	64.11%
Dividend growth (5Y)	15.22%
Dividend growth years	2
Dividend payment date	2026-06-01
Dividend payment years	3
Dividend per share	EUR 1.54
Dividend yield	1.57%
Ex-dividend date	2026-05-19
Last dividend	EUR 0.52
Payout ratio	24.56%
Shareholder yield	7.31%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	EUR 100.77
1D price change	-0.51%
1M price change	-1.23%
1M total return	-1.23%
1W price change	-3.17%
1W total return	-3.17%
1Y price change	3.58%
1Y return CAGR	5.22%
1Y total return	5.22%
20-day SMA	EUR 99.85
200-day SMA	EUR 99.26
3M price change	-5.95%
3M total return	-5.95%
50-day SMA	EUR 102.89
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 114.00
52-week high date	2026-07-29
52-week low	EUR 90.46
52-week low date	2026-01-27
6M price change	3.45%
6M total return	3.99%
All-time high	EUR 114.00
All-time high date	2026-07-29
All-time low	EUR 84.50
All-time low date	2025-08-01
Average true range (ATR)	EUR 0.90
Average volume	0
Change from 52-week high	-13.79%
Change from 52-week low	8.65%
Change from all-time high	-13.79%
Change from all-time low	16.31%
Change from open	0%
Day's gap	-0.51%
High price	EUR 98.28
Low price	EUR 98.28
Monthly RSI	55.4
Open price	EUR 98.28
Previous close	EUR 98.78
Price vs 150-day SMA	-2.47%
Price vs 20-day SMA	-1.58%
Price vs 200-day SMA	-0.99%
Price vs 50-day SMA	-4.48%
RSI	40.1
Sharpe ratio	0.15
Sortino ratio	0.49
Weekly RSI	45.12
YTD price change	4.82%
YTD total return	5.93%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

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

Deeper analysis on BIT/1AFL

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BIT/1AFL report

Is a complete BIT/1AFL research report available?

No complete published report is available for bit/1AFL (BIT/1AFL) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BIT/1AFL (BIT/1AFL)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/1AFL

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/1AFL 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 BIT/1AFL

Frequently asked questions