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AFL Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
111.815
Open
109.930
VWAP
110.39
Vol
2.18M
Mkt Cap
56.89B
Low
109.060
Amount
240.26M
EV/EBITDA(TTM)
13.25
Total Shares
516.37M
EV
62.97B
EV/OCF(TTM)
24.65
P/S(TTM)
3.43
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.
Show More

Events Timeline

(ET)
2026-02-04
19:30:00
FormFactor Rises 16.4% After Earnings
select
2026-02-04
16:10:00
Aflac Reports Q4 Revenue of $4.9B, Exceeds Expectations
select
2026-02-04
14:00:00
Notable Companies Earnings Consensus: Alphabet Expected EPS $2.64
select
2025-12-23 (ET)
2025-12-23
12:30:00
Aflac Notifies 22.65 Million of Data Breach Incident
select
link

News

NASDAQ.COM
9.5
02-24NASDAQ.COM
Aflac: AI-Driven High Shareholder Yield
  • Shareholder Yield Highlight: Aflac boasts an impressive 8.3% shareholder yield, nearly four times the current 2.2% dividend yield, reflecting strong performance in buybacks and dividends, with expectations for future growth in returns.
  • AI Automation Advantage: Aflac has automated 54% of its 'wellness' claims, which not only speeds up claims processing but also allows human resources to be reassigned to more complex tasks, thereby reducing costs and enhancing customer satisfaction.
  • Buyback Strategy Effectiveness: Over the past decade, Aflac has repurchased 38% of its shares, a strategy that has improved earnings per share and driven dividend growth, further enhancing potential returns for investors.
  • Smart Management Decisions: Aflac's management accelerates buybacks during price dips while tempering them during price increases, contrasting sharply with traditional fixed buyback approaches, demonstrating a keen understanding of market dynamics.
Marketbeat
2.0
02-10Marketbeat
Three Insurance Stocks Reaching 52-Week Highs with Potential for Further Growth
  • Trade Market Trends: In 2026, the trade market has seen a shift with significant capital moving towards defensive sectors like consumer staples and industrials, as investors react to weak U.S. economic data, contrasting with previous years' trends where AI hyperscalers were more favored.

  • Insurance Industry Outlook: The insurance sector is experiencing a boost in long-term outlook due to improved interest rate policies and efficiency, with potential for outperformance in 2026 as companies reinvest in higher-yielding assets.

  • Stock Performance: Major insurance stocks have recently broken out to new 52-week highs, driven by strong earnings and a favorable market environment, indicating a shift in investor sentiment towards these traditionally stable investments.

  • Investment Recommendations: Analysts are recommending five specific stocks for investors to consider now, highlighting their potential for growth and stability in the current market landscape, despite broader economic uncertainties.

seekingalpha
9.5
02-05seekingalpha
Aflac Reports Strong Q4 2025 Earnings with Strategic Insights
  • Strong Performance: Aflac reported net earnings per diluted share of $2.64 and adjusted earnings of $1.57 for Q4 2025, reflecting robust sales growth of 15.7% in Japan and 16% overall, indicating strong market positioning.
  • Increased Shareholder Returns: The company announced a 5.2% increase in the first quarter 2026 dividend and repurchased 33 million shares for a record $3.5 billion in 2025, demonstrating effective capital management and commitment to shareholder value.
  • Cautious Future Outlook: Despite strong overall performance, management expects a decline of 1% to 2% in underlying earned premiums in Japan for 2026, along with adjustments to expense and benefit ratios, reflecting a cautious approach to market volatility.
  • Enhanced Technology Investments: Aflac is actively investing in AI and technology to improve operational efficiency and claims automation, and despite challenges in the Japanese market, management remains confident in the company's strategic direction and product innovation.
NASDAQ.COM
9.5
02-05NASDAQ.COM
AFLAC to Host Q4 2025 Earnings Call on February 5, 2026
  • Earnings Call Scheduled: AFLAC Inc (AFL) will host a conference call on February 5, 2026, at 8:00 AM ET to discuss its Q4 2025 earnings results, aiming to provide investors with the latest performance insights to enhance transparency.
  • Live Webcast Access: Investors can access the live webcast of the earnings call by visiting AFLAC's official website, ensuring that all stakeholders can stay updated on the company's financial status in real-time.
  • Investor Relations Focus: This earnings call reflects AFLAC's commitment to investor relations, as regular financial updates enhance communication with investors and build trust in the company's market presence.
  • Market Reaction Anticipation: While specific financial data for the upcoming call has not yet been disclosed, the market is generally anticipating AFLAC's performance in Q4 2025 to assess its future growth potential and strategic direction.
Newsfilter
9.5
02-04Newsfilter
Aflac Reports Q4 2025 Earnings Results
  • Revenue Decline: Aflac's total revenues for Q4 2025 were $4.9 billion, down 9.9% from $5.4 billion in Q4 2024, indicating pressure in market competition that may affect future investor confidence.
  • Net Earnings Drop: Net earnings were $1.4 billion, or $2.64 per diluted share, reflecting a 27.5% decrease from $1.9 billion and $3.42 per share a year ago, highlighting a significant decline in profitability that could lead shareholders to reassess the company's strategy.
  • Shareholder Equity Growth: As of December 31, 2025, shareholder equity reached $29.5 billion, or $56.85 per share, a 13.0% increase from $26.1 billion and $47.45 per share in 2024, indicating robust capital management that may enhance market confidence in its long-term value.
  • Japanese Market Performance: Aflac Japan's net earned premiums were ¥252.6 billion, down 1.9% year-over-year, primarily due to limited pay products, although new annualized premium sales increased by 15.7% to ¥19.9 billion, showcasing the company's potential in product innovation that could lay the groundwork for future market share growth.
seekingalpha
9.5
02-04seekingalpha
AFLAC Reports Q4 Earnings with Mixed Results
  • Earnings Performance: AFLAC's Q4 non-GAAP EPS of $1.57 missed expectations by $0.12, while revenue of $4.9 billion, down 9.3% year-over-year, exceeded forecasts by $510 million, indicating some effectiveness in revenue management despite the decline.
  • Growth in Japan: Aflac Japan reported a 15.7% increase in quarterly sales and a 16.0% annual increase, largely driven by sales of the cancer insurance product Miraito, suggesting improved market penetration among new customer segments.
  • Stability in the U.S.: The U.S. market added $1.6 billion in new sales with a strong persistency rate of 79.2%, while net earned premiums rose by 4.0% in Q4, reflecting effective strategies in profitable growth and agent productivity enhancement.
  • Shareholder Returns and Capital Management: AFLAC announced a 5.2% increase in the Q1 2026 dividend and repurchased $800 million in shares during Q4, totaling $3.5 billion for the year, demonstrating a commitment to generating long-term value for shareholders while maintaining financial strength.
Wall Street analysts forecast AFL stock price to rise
11 Analyst Rating
Wall Street analysts forecast AFL stock price to rise
3 Buy
5 Hold
3 Sell
Hold
Current: 0.000
sliders
Low
100.00
Averages
110.90
High
125.00
Current: 0.000
sliders
Low
100.00
Averages
110.90
High
125.00
Wells Fargo
Elyse Greenspan
Equal Weight
maintain
$109 -> $118
AI Analysis
2026-02-25
Reason
Wells Fargo
Elyse Greenspan
Price Target
$109 -> $118
AI Analysis
2026-02-25
maintain
Equal Weight
Reason
Wells Fargo analyst Elyse Greenspan raised the firm's price target on Aflac to $118 from $109 and keeps an Equal Weight rating on the shares. With guidance from most companies in Q4, the firm is generally reducing our EPS estimates as guides were in-line to below consensus expectations for most companies. Wells is also rolling valuation methodologies to 2027 EPS and rolling out new 2028E EPS estimates for companies.
TD Cowen
Hold
downgrade
$102 -> $100
2026-01-28
Reason
TD Cowen
Price Target
$102 -> $100
2026-01-28
downgrade
Hold
Reason
TD Cowen lowered the firm's price target on Aflac to $100 from $102 and keeps a Hold rating on the shares. The firm adjusted targets in the life insurance group as part of a Q4 preview. TD sees a "slight headwind" from lower alternative returns heading into the prints. It retains a balanced sector view.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for AFL
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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 12.80. 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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
12.80
Current PE
15.16
Overvalued PE
14.67
Undervalued PE
10.93

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
-25.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
58.25
Undervalued EV/EBITDA
-108.26

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.56
Current PS
3.24
Overvalued PS
3.15
Undervalued PS
1.97

Financials

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Quarterly

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Whales Holding AFL

X
XTX Markets Limited
Holding
AFL
+16.32%
3M Return
C
Conning, Inc.
Holding
AFL
+9.28%
3M Return
W
Willis Investment Counsel Inc
Holding
AFL
+6.07%
3M Return
S
S & Co., Inc.
Holding
AFL
+5.00%
3M Return
V
Vest Financial LLC
Holding
AFL
+4.69%
3M Return
M
Moran Wealth Management, LLC
Holding
AFL
+2.88%
3M Return

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Frequently Asked Questions

What is Aflac Inc (AFL) stock price today?

The current price of AFL is 110.3 USD — it has increased 0.11

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?

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 is110.90 USD with a low forecast of 100.00 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.

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

Aflac Inc revenue for the last quarter amounts to 4.87B USD, decreased -9.94

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

Aflac Inc. EPS for the last quarter amounts to 2.64 USD, decreased -22.81

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

Aflac Inc (AFL) has 12716 emplpoyees as of March 10 2026.

What is Aflac Inc (AFL) market cap?

Today AFL has the market capitalization of 56.89B USD.