Aflac (AFL) Stock at $109.51, Long-Term Returns of 165% Indicate Stability
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 17 2026
0mins
Source: Yahoo Finance
- Stock Performance: Aflac's current share price stands at $109.51, with muted short-term returns; however, its total shareholder returns over 1, 3, and 5 years are 5.1%, 64.7%, and 165.0%, respectively, indicating strong long-term growth potential and stability.
- Valuation Analysis: The market generally sees Aflac's fair value at approximately $111.31, slightly above the current price, suggesting the stock is marginally undervalued based on its fundamentals, which may attract value-focused investors.
- Revenue and Profit: With annual revenue of $17.7 billion and net income of $4.2 billion, Aflac's stock price is close to analyst targets, yet there remains uncertainty in how the market prices its future growth potential, warranting further investor analysis.
- Discounted Cash Flow Model: The SWS DCF model suggests Aflac's fair value is around $168.61, significantly higher than the current price, indicating that the stock may be undervalued to a greater extent than the 1.6% gap, prompting investors to assess the credibility of differing assumptions.
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Analyst Views on AFL
Wall Street analysts forecast AFL stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for AFL is 111.91 USD with a low forecast of 101.00 USD and a high forecast of 125.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Analyst Rating
3 Buy
6 Hold
2 Sell
Hold
Current: 108.380
Low
101.00
Averages
111.91
High
125.00
Current: 108.380
Low
101.00
Averages
111.91
High
125.00
About AFL
Aflac Incorporated provides financial protection to policyholders and customers through its subsidiaries in the United States and Japan. The Company’s principal business is supplemental health and life insurance products. The Company’s segments include Aflac Japan, which includes Aflac Life Insurance Japan (ALIJ), and Aflac U.S., which includes American Family Life Assurance Company of Columbus (Aflac), American Family Life Assurance Company of New York (Aflac New York), Continental American Insurance Company (CAIC), Tier One Insurance Company (TOIC) and Aflac Benefits Solutions, Inc. (ABS). The Aflac Japan segment is the insurer in Japan in terms of cancer and medical (third sector insurance products) policies in force. The Company designs its United States insurance products to provide supplemental coverage for people who already have major medical or primary insurance coverage, as Aflac U.S. insurance policies pay benefits regardless of other insurance.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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