AFL Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2026Q1

FY2026Q2

4.45B

+3.18%

1.699

+8.92%

4.47B

+3.45%

1.799

+8.4%

4.46B

-1.61%

1.892

+6.28%

Estimates Revision

The market is revising Downward the revenue expectations for Aflac Incorporated (AFL) for FY2025, with the revenue forecasts being adjusted by -0.4% over the past three months. During the same period, the stock price has changed by -1.47%.

Revenue Estimates for FY2025

Revise Downward

-0.4%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+9.99%

In Past 3 Month

Stock Price

Go Down

-1.47%

In Past 3 Month

10 Analyst Rating

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 112.80 USD with a low forecast of 101.00 USD and a high forecast of 127.00 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.

3 Buy

5 Hold

2 Sell

Hold

Current: 0.000

Low

101.00

Averages

112.80

High

127.00

Current: 0.000

Low

101.00

Averages

112.80

High

127.00

BofA

Buy

downgrade

$127 -> $120

2026-01-05

New

Reason

BofA

Price Target

$127 -> $120

2026-01-05

New

downgrade

Buy

Reason

BofA lowered the firm's price target on Aflac to $120 from $127 and keeps a Buy rating on the shares. As in 2025, the pricing trends for most P&C insurance products do not appear positive, the analyst tells investors in a research note. While pricing for liability lines remains positive, it seems that loss costs are rising more steeply than prices, the analyst says, adding that personal auto rates are flattish, while some investors are expecting decline in response to high profitability. The firm added, however, that underwriter valuations hardly look expensive, even as fundamentals have tipped in the "wrong direction."

JPMorgan

Neutral

maintain

$101 -> $105

2026-01-05

New

Reason

JPMorgan

Price Target

$101 -> $105

2026-01-05

New

maintain

Neutral

Reason

JPMorgan raised the firm's price target on Aflac to $105 from $101 and keeps a Neutral rating on the shares. The firm adjusted ratings and targets in the life insurance space as part of its 2026 outlook. JPMorgan's outlook for life insurance stocks is positive. The analyst sees a favorable macro backdrop, "healthy" balance sheets, and an expected improvement in operating results. Deterioration in high-grade corporate credit "presents a key risk to a bullish stance on life stocks," contends the firm.

Raymond James

Wilma Burdis

Outperform

maintain

$110 -> $119

2025-12-30

Reason

Raymond James

Wilma Burdis

Price Target

$110 -> $119

2025-12-30

maintain

Outperform

Reason

Raymond James analyst Wilma Burdis raised the firm's price target on Aflac to $119 from $110 and keeps an Outperform rating on the shares. The firm's higher 2026 and 2027 EPS estimates reflect the company's update in Q3 that result in stronger earnings power seen in 2026 and beyond, the analyst tells investors.

TD Cowen

Hold

maintain

$100 -> $102

2025-12-22

Reason

TD Cowen

Price Target

$100 -> $102

2025-12-22

maintain

Hold

Reason

TD Cowen raised the firm's price target on Aflac to $102 from $100 and keeps a Hold rating on the shares. The firm updated its model following its Q3 results.

Morgan Stanley

Equal Weight

maintain

$118 -> $120

2025-12-15

Reason

Morgan Stanley

Price Target

$118 -> $120

2025-12-15

maintain

Equal Weight

Reason

Morgan Stanley raised the firm's price target on Aflac to $120 from $118 and keeps an Equal Weight rating on the shares. Lower interest rates and a steady or better equity market should serve as the broader macro backdrops and 2026 should see "similar fundamental trends as 2025," the analyst tells investors in a life insurance group outlook note.

Mizuho

Underperform

initiated

$104

2025-12-15

Reason

Mizuho

Price Target

$104

2025-12-15

initiated

Underperform

Reason

Mizuho initiated coverage of Aflac with an Underperform rating and $104 price target. The firm is cautious on the company's sales growth in Japan and the U.S. Aflac's longer term earnings growth will be "capped" by limited sales growth, which is not priced into the shares at current levels, the analyst tells investors in a research note.

Valuation Metrics

The current forward P/E ratio for Aflac Inc (AFL.N) is 15.16, compared to its 5-year average forward P/E of 12.64. For a more detailed relative valuation and DCF analysis to assess Aflac Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

5Y Average PE

12.64

Current PE

15.16

Overvalued PE

14.68

Undervalued PE

10.61

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

-24.18

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

57.81

Undervalued EV/EBITDA

-106.18

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

5Y Average PS

2.53

Current PS

3.24

Overvalued PS

3.13

Undervalued PS

1.92

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

N/A

EPS - Diluted

N/A

Free Cash Flow

N/A

FCF Margin - %

N/A

Net Margin - %

N/A

ROIC

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Hedge Fund

Hedge Funds areBuying! The buying amount has increased 695012.5% over the last quarter.

Sold

Bought

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

AFL News & Events

Events Timeline

No data

News

9.5

01-05PRnewswire

Aflac to Release Q4 2025 Financial Results on February 4, 2026

6.5

01-03Barron's

Analyst Predicts Boeing Stock Will Thrive Long-Term, Along with Nvidia, Aflac, and Others.

8.5

2025-12-30CNBC

Meta Acquires AI Developer Manus for Over $2 Billion

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Frequently Asked Questions

What is Aflac Inc (AFL) stock price today?

The current price of AFL is 110.26 USD — it has increased 0.06 % in the last trading day.

What is Aflac Inc (AFL)'s business?

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.

What is the price predicton of AFL Stock?

What is Aflac Inc (AFL)'s revenue for the last quarter?

Aflac Inc revenue for the last quarter amounts to 4.74B USD, increased 60.73 % YoY.

What is Aflac Inc (AFL)'s earnings per share (EPS) for the last quarter?

Aflac Inc. EPS for the last quarter amounts to 3.08 USD, decreased -1911.76 % YoY.

What changes have occurred in the market's expectations for Aflac Inc (AFL)'s fundamentals?

How many employees does Aflac Inc (AFL). have?

Aflac Inc (AFL) has 12694 emplpoyees as of January 09 2026.

What is Aflac Inc (AFL) market cap?

Today AFL has the market capitalization of 57.75B USD.