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BVMF/A1FL34 (BVMF/A1FL34)

Brazil Stock Exchange: BVMF/A1FL34 · BRL

R$649

-17.40 (-2.6%)· Recorded snapshot

Market cap	327B
Revenue (ttm)	93.6B
Net income (ttm)	25.2B
EPS (ttm)	R$50.3
P/E (trailing)	12.9x
P/E (forward)	16.8x
Dividend	R$8.48 (1.31%)
Volume	1
Beta	0.56

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	BRL
Country	United States
Country code	BR
Earnings date	2026-11-04
Employees	12,716
Employees change	22
Employees growth	0.17%
Enterprise value	BRL 380.8B
Exchange	Brazil Stock Exchange
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-07-12
Fiscal year end	December
Founded	1955
Industry	Insurance - Life
Is primary listing	No
ISIN number	BRA1FLBDR009
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Market cap	BRL 327B
Next earnings date	2026-11-04
Price	BRL 649.35
Price currency	BRL
Sector	Financials
SIC code	6321
Stock price date	2026-10-27
Symbol	bvmf/A1FL34
Website	https://www.aflac.com

Metric

Value

Amount currency

BRL

Country

United States

Country code

Earnings date

2026-11-04

Employees

12,716

Employees change

Employees growth

0.17%

Enterprise value

BRL 380.8B

Exchange

Brazil Stock Exchange

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-07-12

Fiscal year end

December

Founded

1955

Industry

Insurance - Life

Is primary listing

ISIN number

BRA1FLBDR009

Last earnings date

2026-08-06

Last refreshed

2026-10-28

Market cap

BRL 327B

Next earnings date

2026-11-04

Price

BRL 649.35

Price currency

BRL

Sector

Financials

SIC code

6321

Stock price date

2026-10-27

Symbol

bvmf/A1FL34

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	7.74%
EV/Earnings	15.12x
EV/EBIT	11.81x
EV/EBITDA	11.66x
EV/Sales	3.94x
Forward P/E	16.78x
Graham number	592.39592
Graham upside	-8.77%
Lynch fair value	BRL 250.09
Lynch upside	-61.49%
P/B ratio	2.08x
P/E ratio	12.92x
P/OCF ratio	23.03x
P/S ratio	3.49x
Price / tangible book value	2.08x
Price/EBITDA ratio	10.41x
Sector forward P/E	8.29x
Sector P/E	9.31x

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

7.74%

EV/Earnings

15.12x

EV/EBIT

11.81x

EV/EBITDA

11.66x

EV/Sales

3.94x

Forward P/E

16.78x

Graham number

592.39592

Graham upside

-8.77%

Lynch fair value

BRL 250.09

Lynch upside

-61.49%

P/B ratio

2.08x

P/E ratio

12.92x

P/OCF ratio

23.03x

P/S ratio

3.49x

Price / tangible book value

2.08x

Price/EBITDA ratio

10.41x

Sector forward P/E

8.29x

Sector P/E

9.31x

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	BRL 2M
Profitable quarters	7
Profitable years	33
Revenue per employee	BRL 7.4M
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%

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

BRL 2M

Profitable quarters

Profitable years

Revenue per employee

BRL 7.4M

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%

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	BRL 31.2B
EBITDA	BRL 31.4B
EPS	BRL 50.28
Financing cash flow	BRL -25.1B
Gross profit	BRL 47.6B
Income taxes	BRL 4.8B
Investing cash flow	BRL 7.4B
Net borrowing	BRL 2.3B
Net cash flow	BRL -4.4B
Net income	BRL 25.2B
Operating income	BRL 31.2B
Revenue	BRL 93.6B

Metric

Value

EBIT

BRL 31.2B

EBITDA

BRL 31.4B

EPS

BRL 50.28

Financing cash flow

BRL -25.1B

Gross profit

BRL 47.6B

Income taxes

BRL 4.8B

Investing cash flow

BRL 7.4B

Net borrowing

BRL 2.3B

Net cash flow

BRL -4.4B

Net income

BRL 25.2B

Operating income

BRL 31.2B

Revenue

BRL 93.6B

Metric	Value
Book value per share	BRL 312.67
Debt / EBITDA	2.65
Debt / equity	0.53
Interest coverage	24.91
Net cash (debt)	BRL -52.1B
Net cash / market cap	-15.93%
Net debt / EBITDA	1.66
Net debt / equity	0.33
Piotroski F-Score	5
Property, plant and equipment	BRL 1.9B
Shareholders' equity	BRL 157B
Tangible book value	BRL 157B
Tangible book value per share	BRL 312.67
Total assets	BRL 600.8B
Total cash	BRL 46.3B
Total debt	BRL 83.8B
Total liabilities	BRL 443.7B
WACC	6.07%

Metric

Value

Book value per share

BRL 312.67

Debt / EBITDA

2.65

Debt / equity

0.53

Interest coverage

24.91

Net cash (debt)

BRL -52.1B

Net cash / market cap

-15.93%

Net debt / EBITDA

1.66

Net debt / equity

0.33

Piotroski F-Score

Property, plant and equipment

BRL 1.9B

Shareholders' equity

BRL 157B

Tangible book value

BRL 157B

Tangible book value per share

BRL 312.67

Total assets

BRL 600.8B

Total cash

BRL 46.3B

Total debt

BRL 83.8B

Total liabilities

BRL 443.7B

WACC

6.07%

Metric	Value
Asset turnover	0.15
Current ratio	0.89
Net working capital	BRL 3.3B
Quick ratio	0.78
Working capital	BRL -7B

Metric

Value

Asset turnover

0.15

Current ratio

0.89

Net working capital

BRL 3.3B

Quick ratio

0.78

Working capital

BRL -7B

Metric	Value
Buyback yield / dilution	5.75%
Dividend growth	-1.27%
Dividend growth (3Y)	14.12%
Dividend growth (5Y)	13.23%
Dividend growth years	5
Dividend payment date	2026-09-08
Dividend payment years	7
Dividend payout frequency	Quarterly
Dividend per share	BRL 8.48
Dividend yield	1.31%
Ex-dividend date	2026-08-18
Last dividend	BRL 2.12
Payout ratio	24.56%
Shareholder yield	7.05%

Metric

Value

Buyback yield / dilution

5.75%

Dividend growth

-1.27%

Dividend growth (3Y)

14.12%

Dividend growth (5Y)

13.23%

Dividend growth years

Dividend payment date

2026-09-08

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

BRL 8.48

Dividend yield

1.31%

Ex-dividend date

2026-08-18

Last dividend

BRL 2.12

Payout ratio

24.56%

Shareholder yield

7.05%

Metric	Value
150-day SMA	BRL 449.34
1D price change	-2.61%
1M price change	10.06%
1M total return	10.06%
1W price change	7.15%
1W total return	7.15%
1Y price change	7.69%
1Y return CAGR	9.22%
1Y total return	9.22%
20-day SMA	BRL 615.37
200-day SMA	BRL 404.46
3M price change	3.57%
3M total return	3.92%
3Y price change	78.88%
3Y return CAGR	23.2%
3Y total return	87%
50-day SMA	BRL 604.03
50-day SMA vs 200-day SMA	50over200
52-week high	BRL 666.76
52-week high date	2026-10-26
52-week low	BRL 562.50
52-week low date	2026-05-04
5Y price change	102.92%
5Y return CAGR	17.03%
5Y total return	119.48%
6M price change	14.93%
6M total return	15.74%
All-time high	BRL 666.76
All-time high date	2026-10-26
All-time low	BRL 134.03
All-time low date	2020-03-23
Average true range (ATR)	BRL 17.59
Average volume	40
Beta (5Y)	0.56
Change from 52-week high	-2.61%
Change from 52-week low	15.44%
Change from all-time high	-2.61%
Change from all-time low	384.48%
Change from open	0%
Day's gap	-2.61%
Dollar volume	BRL 649
High price	BRL 649.35
Low price	BRL 649.35
Monthly RSI	62.47
Open price	BRL 649.35
Previous close	BRL 666.76
Price vs 150-day SMA	44.51%
Price vs 20-day SMA	5.52%
Price vs 200-day SMA	60.55%
Price vs 50-day SMA	7.5%
Relative volume	0.03
RSI	59.14
Sharpe ratio	1.95
Sortino ratio	3.31
Volume	1
Weekly RSI	69.92
YTD price change	7.69%
YTD total return	9.22%

Metric

Value

150-day SMA

BRL 449.34

1D price change

-2.61%

1M price change

10.06%

1M total return

10.06%

1W price change

7.15%

1W total return

7.15%

1Y price change

7.69%

1Y return CAGR

9.22%

1Y total return

9.22%

20-day SMA

BRL 615.37

200-day SMA

BRL 404.46

3M price change

3.57%

3M total return

3.92%

3Y price change

78.88%

3Y return CAGR

23.2%

3Y total return

87%

50-day SMA

BRL 604.03

50-day SMA vs 200-day SMA

50over200

52-week high

BRL 666.76

52-week high date

2026-10-26

52-week low

BRL 562.50

52-week low date

2026-05-04

5Y price change

102.92%

5Y return CAGR

17.03%

5Y total return

119.48%

6M price change

14.93%

6M total return

15.74%

All-time high

BRL 666.76

All-time high date

2026-10-26

All-time low

BRL 134.03

All-time low date

2020-03-23

Average true range (ATR)

BRL 17.59

Average volume

Beta (5Y)

0.56

Change from 52-week high

-2.61%

Change from 52-week low

15.44%

Change from all-time high

-2.61%

Change from all-time low

384.48%

Change from open

Day's gap

-2.61%

Dollar volume

BRL 649

High price

BRL 649.35

Low price

BRL 649.35

Monthly RSI

62.47

Open price

BRL 649.35

Previous close

BRL 666.76

Price vs 150-day SMA

44.51%

Price vs 20-day SMA

5.52%

Price vs 200-day SMA

60.55%

Price vs 50-day SMA

7.5%

Relative volume

0.03

RSI

59.14

Sharpe ratio

1.95

Sortino ratio

3.31

Volume

Weekly RSI

69.92

YTD price change

7.69%

YTD total return

9.22%

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

BVMF/A1FL34 (BVMF/A1FL34)

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Financial snapshot

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Frequently asked questions