Aflac Incorporated (AFL)

NYSE: AFL · USD

$122

-0.06 (-0.1%)· Recorded snapshot

Market cap	61.1B
Revenue (ttm)	18.1B
Net income (ttm)	4.9B
EPS (ttm)	$9.37
Shares out	501.3M
P/E (trailing)	13.0x
P/E (forward)	16.6x
Dividend	$2.44 (2.00%)
Volume	1,131,888
Beta	0.56

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 18.1B
Net income (ttm): 4.9B
EPS (ttm): $9.37
P/E (trailing): 13.0x
P/E (forward): 16.6x
Market cap: 61.1B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

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/E16.6

P25 n/aP50 n/aP75 n/a

Trailing P/E13

P25 n/aP50 n/aP75 n/a

ROE16.9

P25 n/aP50 n/aP75 n/a

ROIC11.1

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All AFL indicators

Market & fundamental data

Available fields

251

Groups with data

Currency

USD

Showing 251 of 251 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	USD
CIK code	0000004977
Company name	Aflac Incorporated
Country	United States
Country code	US
CUSIP number	001055102
Earnings date	2026-11-04
Earnings time	amc
Employees	12,716
Employees change	22
Employees growth	0.17%
Enterprise value	$71.2B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1955
In index	SP500
Industry	Insurance - Life
Is primary listing	Yes
Is SPAC	No
ISIN number	US0010551028
Last 10-K release date	2026-02-25
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split date	2018-03-19
Last stock split type	Forward
Market cap	$61.1B
Market cap category	Large-Cap
Next earnings date	2026-11-04
Options	Yes
Price	$121.93
Price currency	USD
Sector	Financials
SIC code	6321
Stock price date	2026-10-28
Symbol	AFL
U.S. state	Georgia
Website	https://www.aflac.com

Valuation

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

Metric	Value
Adjusted P/E ratio	16.13x
Average P/E ratio (10Y)	10.49x
Average P/E ratio (3Y)	13.39x
Average P/E ratio (5Y)	11.54x
Earnings yield	7.69%
EV/Earnings	14.57x
EV/EBIT	11.75x
EV/EBITDA	11.68x
EV/Sales	3.92x
Forward EV/Sales	4.12x
Forward P/E	16.57x
Forward P/S	3.53x
Graham number	112.80386
Graham upside	-6.98%
Industry forward P/E	9.96x
Industry P/E	12.43x
Lynch fair value	$46.85
Lynch upside	-61.36%
P/B ratio	2.02x
P/E ratio	13.01x
P/OCF ratio	22.97x
P/S ratio	3.36x
PEG ratio	1.84x
Price / tangible book value	2.01x
Price/EBITDA ratio	10.02x
Sector forward P/E	13.61x
Sector P/E	15.68x

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	$382,353
Profitable quarters	7
Profitable years	33
Revenue per employee	$1.4M
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	$6B
EBITDA	$6.1B
EPS	$9.37
Financing cash flow	$-4.9B
Gross profit	$9.2B
Income taxes	$924M
Investing cash flow	$1.4B
Net borrowing	$427M
Net cash flow	$-845M
Net income	$4.9B
Operating income	$6B
Revenue	$18.1B

Financial strength

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

Metric	Value
Book value per share	$60.35
Debt / EBITDA	2.65
Debt / equity	0.53
Interest coverage	24.91
Net cash (debt)	$-10.1B
Net cash / market cap	-16.54%
Net debt / EBITDA	1.66
Net debt / equity	0.33
Piotroski F-Score	5
Property, plant and equipment	$351M
Shareholders' equity	$30.3B
Tangible book value	$30.3B
Tangible book value per share	$60.35
Total assets	$116B
Total cash	$8.9B
Total debt	$16.2B
Total liabilities	$85.6B
WACC	6.03%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.15
Current ratio	0.89
Net working capital	$637M
Quick ratio	0.78
Working capital	$-1.4B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	5.75%
Dividend growth	7.59%
Dividend growth (10Y)	11.38%
Dividend growth (3Y)	13.23%
Dividend growth (5Y)	13.67%
Dividend growth years	42
Dividend payment date	2026-09-01
Dividend payment years	54
Dividend payout frequency	Quarterly
Dividend per share	$2.44
Dividend yield	2%
Ex-dividend date	2026-08-19
Last dividend	$0.61
Payout ratio	26.04%
Shareholder yield	7.76%

Performance and technicals

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

Metric	Value
10Y price change	245.59%
10Y return CAGR	15.86%
10Y total return	335.62%
150-day SMA	$117.27
15Y price change	418.79%
15Y return CAGR	14.32%
15Y total return	644.33%
1D price change	-0.05%
1M price change	6.68%
1M total return	6.68%
1W price change	0.87%
1W total return	0.87%
1Y price change	12.8%
1Y return CAGR	15.17%
1Y total return	15.16%
20-day SMA	$117.33
200-day SMA	$115.73
20Y price change	438.24%
20Y return CAGR	11.39%
20Y total return	764.81%
3M price change	-4.14%
3M total return	-3.66%
3Y price change	58.61%
3Y return CAGR	19.12%
3Y total return	69.04%
50-day SMA	$116.41
50-day SMA vs 200-day SMA	50over200
52-week high	$130.22
52-week high date	2026-07-29
52-week low	$105.43
52-week low date	2025-10-29
5Y price change	116.64%
5Y return CAGR	19.39%
5Y total return	142.59%
6M price change	5.79%
6M total return	6.87%
All-time high	$130.22
All-time high date	2026-07-29
All-time low	$0.03
All-time low date	1974-12-31
Average true range (ATR)	$2.03
Average volume	1.5M
Beta (1Y)	-0.07
Beta (2Y)	0.36
Beta (5Y)	0.56
Change from 52-week high	-6.37%
Change from 52-week low	15.66%
Change from all-time high	-6.83%
Change from all-time low	464,727.59%
Change from open	0.16%
Day's gap	-0.2%
Dollar volume	$138M
High price	$121.93
Low price	$121.03
Monthly RSI	60.47
Open price	$121.74
Position in 52-week range	100%
Premarket change	-1.49%
Premarket close	$121.99
Premarket price	$120.17
Previous close	$121.99
Price vs 150-day SMA	3.46%
Price vs 20-day SMA	3.4%
Price vs 200-day SMA	4.83%
Price vs 50-day SMA	4.22%
Relative volume	0.74
RSI	60.83
Sharpe ratio	0.67
Sharpe ratio (3Y)	0.77
Sharpe ratio (5Y)	0.76
Sortino ratio	1.34
Sortino ratio (3Y)	1.33
Sortino ratio (5Y)	1.35
Volume	1.1M
Weekly RSI	57.41
YTD price change	10.02%
YTD total return	11.74%

Ownership and float

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

Metric	Value
Float	497M
Float percentage	99.14%
Shares change (QoQ)	-1.79%
Shares change (YoY)	-5.75%
Shares held by insiders	0.76%
Shares held by institutions	69.14%
Shares outstanding	501.3M
Short % of float	2.34%
Short % of shares	2.32%
Short ratio	5.2 days

Deeper analysis on AFL

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.

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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 AFL report

Is a complete AFL research report available?

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

Aflac Incorporated (AFL)

Price

Financial snapshot

Fair-value bridge

Latest news · AFL

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All 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 AFL

Frequently asked questions