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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
115.600
Open
112.960
VWAP
114.36
Vol
4.91M
Mkt Cap
59.00B
Low
112.960
Amount
561.09M
EV/EBITDA(TTM)
13.60
Total Shares
515.18M
EV
64.66B
EV/OCF(TTM)
25.31
P/S(TTM)
3.54
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

News

Yahoo Finance
6.0
04-10Yahoo Finance
Aflac Named Among 15 Best Cheap Dividend Stocks
  • Target Price Adjustment: UBS has lowered Aflac's (AFL) price target from $116 to $114 while maintaining a Neutral rating, indicating limited profitability potential amid economic uncertainty and cyclicality.
  • Earnings Guidance: During the Q4 2025 earnings call, Aflac executives stated that most of the 2026 guidance remains intact, with underlying earned premiums in Japan expected to decline by 1% to 2%, which could pressure overall revenue.
  • US Business Outlook: Aflac anticipates net earned premium growth to remain at the lower end of the 3% to 6% range, with a projected benefit ratio between 48% and 52%, suggesting challenges as the company expands its newer business lines.
  • Expense Ratio Forecast: The company expects the expense ratio in the U.S. to range from 36% to 39%, indicating ongoing efforts to optimize its business structure despite economic headwinds to support future growth.
Barron's
6.5
04-08Barron's
Concerns Over Private Credit Persist, Cautions Insurance Company Investment Strategist
  • Market Reactions: The stock market is experiencing a surge due to a cease-fire in Iran, leading to optimism among investors.
  • Ongoing Concerns: Despite the positive market response, investors remain wary of underlying issues in the private credit sector.
PRnewswire
9.5
04-02PRnewswire
Aflac to Release Q1 2026 Financial Results on April 29
  • Earnings Release Schedule: Aflac plans to release its Q1 2026 financial results after market close on April 29, 2026, providing quarterly earnings and financial supplement materials to ensure timely access to critical information for investors.
  • Webcast Conference Call: The company will host a conference call on April 30, 2026, at 8:00 a.m. ET, where CEO Daniel P. Amos and other executives will discuss quarterly results, enhancing transparency and investor confidence.
  • Future Earnings Forecast: Aflac has also announced future earnings release dates, with Q2 2026 results set for August 6 and Q3 2026 results on November 4, allowing investors to prepare in advance for upcoming financial disclosures.
  • Company Background: As a Fortune 500 company, Aflac has provided financial protection to millions of policyholders for over seven decades, leading the supplemental health insurance market in the U.S. and demonstrating strong corporate responsibility and influence in the insurance industry.
PRnewswire
7.5
03-31PRnewswire
Aflac Partners with Japan Post Insurance for Reinsurance Agreement
  • Reinsurance Agreement: Aflac Re Bermuda Ltd. has entered into a reinsurance agreement with Japan Post Insurance Co., Ltd. involving a block of whole life annuities through coinsurance, marking Aflac's first transaction with an external partner, which is expected to enhance the company's competitive position in the market.
  • Strategic Partnership Strengthened: This transaction not only represents the first collaboration between Aflac Re and Japan Post Insurance but also further solidifies their strategic partnership aimed at creating shared value for policyholders and shareholders, thereby improving overall business performance.
  • Risk Management Optimization: Aflac Re plans to leverage its expertise to support other Japanese life insurers in reducing risk, enhancing capital management, and expanding new business opportunities, which will contribute to the stability of the entire industry.
  • Industry Leadership Reinforced: Aflac's market leadership in both the U.S. and Japan is further solidified, as it remains the largest provider of supplemental health insurance in the U.S. and the leading provider of cancer and medical insurance in Japan, enhancing the company's reputation and market share.
Newsfilter
7.5
03-31Newsfilter
Aflac Re Partners with Japan Post Insurance for Coinsurance Agreement
  • Reinsurance Milestone: Aflac Re Bermuda Ltd. has entered into a coinsurance agreement with Japan Post Insurance, marking Aflac's first transaction with an external partner, which is expected to enhance the strategic partnership and create shared value for policyholders and shareholders.
  • Policy Management Continuity: Japan Post Insurance will continue to service and administer the whole life annuity policies, ensuring continuity in customer service while enhancing Aflac's competitive position in the Japanese market.
  • Risk Management Optimization: Aflac Re plans to leverage its expertise to support other Japanese life insurers in reducing risk and enhancing capital management, which will help expand new business opportunities and further solidify Aflac's leadership in the industry.
  • Long-term Strategic Commitment: This transaction not only deepens the relationship between Aflac Re and Japan Post Insurance but also reflects Aflac's long-term investment commitment to the Japanese market, aiming to collaboratively address market challenges and seize growth opportunities.
Yahoo Finance
8.5
03-31Yahoo Finance
Aflac Re Bermuda Ltd. Announces Reinsurance Agreement with Japan Post Insurance
  • Reinsurance Milestone: Aflac Re Bermuda Ltd. has reached a reinsurance agreement with Japan Post Insurance involving a block of whole life annuities through coinsurance, marking Aflac's first transaction with an external partner, which is expected to enhance the company's market position and financial stability.
  • Strategic Partnership Deepening: This transaction not only deepens the collaboration between Aflac Re and Japan Post Insurance but also aims to create shared value for both policyholders and shareholders, further solidifying their strategic partnership.
  • Risk Management Support: Aflac Re plans to leverage its expertise to provide similar support to other Japanese life insurers, helping them reduce risk, enhance capital management, and expand new business opportunities, thereby strengthening the overall industry stability.
  • Industry Leadership Reinforced: Aflac's market leadership in the U.S. and Japan is further reinforced, as the company remains the largest provider of supplemental health insurance in the U.S. and the leading provider of cancer and medical insurance in Japan, with this transaction expected to enhance its reputation and market share.
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
Mizuho
Underperform
downgrade
$107 -> $102
AI Analysis
2026-04-13
Reason
Mizuho
Price Target
$107 -> $102
AI Analysis
2026-04-13
downgrade
Underperform
Reason
Mizuho lowered the firm's price target on Aflac to $102 from $107 and keeps an Underperform rating on the shares. The firm adjusted estimates and targets among its North America insurance coverage, stating that it is most constructive on brokers, expects commercial pricing pressure moderation among property and casualty insurers and believes the setup for life insurers is "the most challenging."
Keefe Bruyette
Market Perform
maintain
$113 -> $115
2026-04-10
Reason
Keefe Bruyette
Price Target
$113 -> $115
2026-04-10
maintain
Market Perform
Reason
Keefe Bruyette raised the firm's price target on Aflac to $115 from $113 and keeps a Market Perform rating on the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for AFL
Unlock Now

Valuation Metrics

The current forward P/E ratio for Aflac Inc (AFL.N) is 14.53, compared to its 5-year average forward P/E of 12.98. 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
12.98
Current PE
14.53
Overvalued PE
14.79
Undervalued PE
11.17

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
-23.32
Current EV/EBITDA
11.01
Overvalued EV/EBITDA
58.81
Undervalued EV/EBITDA
-105.45

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
2.62
Current PS
3.43
Overvalued PS
3.21
Undervalued PS
2.04

Financials

AI Analysis
Annual
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Whales Holding AFL

X
XTX Markets Limited
Holding
AFL
+11.88%
3M Return
C
CCM Partners, LP
Holding
AFL
+9.48%
3M Return
Q
Quadravest Capital Management, Inc.
Holding
AFL
+9.12%
3M Return
M
Moran Wealth Management, LLC
Holding
AFL
+8.52%
3M Return
U
U.S. Capital Wealth Advisors, LLC
Holding
AFL
+8.14%
3M Return
B
Brevan Howard Capital Management LP
Holding
AFL
+7.94%
3M Return

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Frequently Asked Questions

What is Aflac Inc (AFL) stock price today?

The current price of AFL is 114.52 USD — it has increased 0.71

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 April 20 2026.

What is Aflac Inc (AFL) market cap?

Today AFL has the market capitalization of 59.00B USD.