AFL

Aflac Inc

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101.830

+0.41(0.404%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

102.510

Open

101.680

VWAP

101.82

Vol

4.58M

Mkt Cap

55.05B

Low

101.200

Amount

466.11M

EV/EBITDA(TTM)

13.20

Total Shares

568.22M

60.62B

EV/OCF(TTM)

24.77

P/S(TTM)

3.36

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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2025Q3

FY2025Q2

4.33B

-19.93%

1.655

+6.08%

4.32B

+46.41%

1.716

-20.54%

4.31B

-16.04%

1.710

-6.58%

Estimates Revision

The market is revising Upward the revenue expectations for Aflac Incorporated (AFL) for FY2025, with the revenue forecasts being adjusted by 0.31% over the past three months. During the same period, the stock price has changed by -2.99%.

Revenue Estimates for FY2025

Revise Upward

+0.31%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-0.78%

In Past 3 Month

Stock Price

Go Down

-2.99%

In Past 3 Month

10 Analyst Rating

3.90% Upside

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 105.80 USD with a low forecast of 94.00 USD and a high forecast of 120.00 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

6 Hold

1 Sell

Hold

3.90% Upside

Current: 101.830

Low

94.00

Averages

105.80

High

120.00

3.90% Upside

Current: 101.830

Low

94.00

Averages

105.80

High

120.00

Wells Fargo

Elyse Greenspan

Equal Weight

maintain

$103 -> $105

2025-07-10

Reason

Wells Fargo

Elyse Greenspan

Price Target

$103 -> $105

2025-07-10

maintain

Equal Weight

Reason

Wells Fargo analyst Elyse Greenspan raised the firm's price target on Aflac to $105 from $103 and keeps an Equal Weight rating on the shares ahead of quarterly results. The firm says the focus should be on pricing, loss trend, and reserves for P&C companies, organic and margin for brokers, and sales/VII/capital for life companies.

Barclays

Alex Scott

Underweight

maintain

$96 -> $98

2025-07-07

Reason

Barclays

Alex Scott

Price Target

$96 -> $98

2025-07-07

maintain

Underweight

Reason

Barclays analyst Alex Scott raised the firm's price target on Aflac to $98 from $96 and keeps an Underweight rating on the shares as part of a Q2 earnings preview for the North America life insurance group. The firm says equity market strength has lifted long-term earnings and results in upward revisions to its 2026-2027 estimates. It recommends exposure to names with equity leverage and capital flexibility. Barclays highlights Jackson Financial (JXN) as a key Overweight.

Raymond James

Outperform

NULL

downgrade

$115 -> $110

2025-05-29

Reason

Raymond James

Price Target

$115 -> $110

2025-05-29

downgrade

Outperform

NULL

Reason

Raymond James lowered the firm's price target on Aflac to $110 from $115 and keeps an Outperform rating on the shares. Raymond James likes the company's stable operations, protection-oriented business model, $40B+ of excess and redundant capital and reserves, and limited sensitivity to macroeconomic conditions, the analyst tells investors in a research note. The firm also gives Aflac credit for its strong excess capital position and ability to free up incremental capital via Bermuda reinsurance.

Morgan Stanley

Bob Huang

Equal Weight

maintain

$100 -> $105

2025-05-19

Reason

Morgan Stanley

Bob Huang

Price Target

$100 -> $105

2025-05-19

maintain

Equal Weight

Reason

Morgan Stanley analyst Bob Huang raised the firm's price target on Aflac to $105 from $100 and keeps an Equal Weight rating on the shares. The firm is updating its price targets on stocks under its coverage in the Life Insurance sector, the analyst tells investors. Morgan Stanley notes core results held up well and a rebound is expected to occur in 2H25. Overall, valuation is attractive for the sector, the firm says.

Morgan Stanley

Nigel Dally

Hold

Maintains

$105 → $100

2025-04-10

Reason

Morgan Stanley

Nigel Dally

Price Target

$105 → $100

2025-04-10

Maintains

Hold

Reason

UBS

Brian Meredith

Hold

Maintains

$109 → $114

2025-04-02

Reason

UBS

Brian Meredith

Price Target

$109 → $114

2025-04-02

Maintains

Hold

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Aflac Inc (AFL.N) is 14.84, compared to its 5-year average forward P/E of 12.02. 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.

Overvalued

5Y Average PE

12.02

Current PE

14.84

Overvalued PE

14.24

Undervalued PE

9.80

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

-24.10

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

57.77

Undervalued EV/EBITDA

-105.98

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.

Overvalued

5Y Average PS

2.34

Current PS

3.18

Overvalued PS

3.00

Undervalued PS

1.68