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AFL Overview

-
$
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
114.125
Open
113.650
VWAP
113.36
Vol
1.51M
Mkt Cap
57.57B
Low
112.860
Amount
171.08M
EV/EBITDA(TTM)
11.32
Total Shares
508.98M
EV
66.16B
EV/OCF(TTM)
22.55
P/S(TTM)
3.29
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)
2026-04-29
16:10:00
Aflac Reports Q1 Revenue of $4.3B, Slightly Below Expectations
select
2026-04-23 (ET)
2026-04-23
09:10:00
Aflac Files to Sell 51.64M Shares of Common Stock
select

News

Yahoo Finance
9.5
05-02Yahoo Finance
Aflac Misses Q1 Revenue Expectations, Faces Challenges
  • Revenue Shortfall: Aflac's Q1 revenue of $4.24 billion fell 1.8% year-over-year and missed analyst expectations of $4.32 billion, indicating challenges in maintaining revenue growth that could impact investor confidence moving forward.
  • Profitability Decline: The adjusted EPS of $1.75 was 2.5% below the expected $1.80, reflecting pressures on cost control and sales growth, which may lead to short-term stock price pressure as investors reassess the company's performance.
  • Sales Growth in Japan: Strong sales momentum in Japan, particularly from new medical and cancer insurance products, saw a 25.5% increase; however, persistency and lapse issues prevented a corresponding rise in earned premiums, highlighting a gap between market potential and actual performance.
  • Reinsurance Strategy Expansion: Aflac executed its first third-party reinsurance deal in Japan, which, while having a minor short-term financial impact, is viewed by management as a strategic platform for future growth and diversification of earnings, indicating a forward-looking approach in their strategic planning.
seekingalpha
9.5
04-29seekingalpha
Aflac Reports Mixed Q1 Earnings Amid Yen Weakness
  • Earnings Performance: Aflac's adjusted earnings per diluted share rose 5.4% year-over-year to $1.75, although this fell short of the Visible Alpha consensus of $1.80, indicating pressure on the company's profitability.
  • Exchange Rate Impact: The average yen/dollar exchange rate was 156.87, 2.8% weaker than last year's 152.40, negatively impacting adjusted EPS by $0.02, reflecting the direct effect of currency fluctuations on financial results.
  • Revenue Growth: The company reported revenue of $4.35 billion for the first quarter, a 27.9% increase year-over-year, surpassing market expectations of $4.32 billion, indicating strong performance in revenue generation.
  • Premium Variations: Net earned premiums in Japan decreased by 6.4% to $1.6 billion, while net earned premiums in the U.S. increased by 3.5% to $1.6 billion, highlighting performance disparities across different markets and their impact on overall results.
PRnewswire
8.5
04-29PRnewswire
Aflac Launches Check for Cancer Champions Program
  • Cancer Screening Advocacy: Aflac launches the Check for Cancer Champions program during Cancer Prevention and Early Detection Month to raise public awareness about the importance of cancer screening, emphasizing that preventive care and early detection can save lives.
  • Initial Participants: The inaugural edition will feature six individuals who have shown unwavering commitment to raising awareness about cancer screening, reflecting Aflac's social responsibility in the health insurance sector.
  • Impact Expansion: Through this initiative, Aflac not only enhances its brand image but also solidifies its market position as the leading supplemental health insurance provider in the U.S., promoting increased health awareness.
  • Long-term Strategic Goals: This event aligns with Aflac's broader Check for Cancer initiative, aiming to promote early detection through education and outreach, thereby reducing cancer-related mortality rates in the future.
seekingalpha
9.5
04-28seekingalpha
AFLAC Q1 Earnings Announcement Scheduled
  • Earnings Release Date: AFLAC is set to announce its Q1 earnings on April 29 after market close, with a consensus EPS estimate of $1.80, reflecting an 8.4% year-over-year growth, indicating sustained profitability that could positively impact stock prices.
  • Revenue Expectations: The anticipated revenue for Q1 is $4.33 billion, representing a 27.4% year-over-year increase, which highlights the company's strong market performance and may bolster investor confidence, potentially driving stock prices higher.
  • Historical Performance: Over the past two years, AFLAC has exceeded EPS and revenue estimates 63% of the time, demonstrating stability and reliability in financial forecasting, which could attract more institutional investor interest.
  • Estimate Revision Dynamics: In the last three months, EPS estimates have seen five upward and five downward revisions, while revenue estimates experienced one upward revision with no downward adjustments, indicating a cautiously optimistic market outlook on AFLAC's profitability and revenue growth, which may influence future stock price movements.
CNBC
4.5
04-24CNBC
U.S. Stocks Near All-Time Highs as Investors Eye Tech Giants' Earnings
  • Strong Market Performance: The S&P 500 and Nasdaq Composite indices reached new all-time highs in April, rising over 8% and 13% respectively, indicating robust market resilience despite ongoing geopolitical tensions and AI disruption concerns, reflecting investor confidence in tech stocks.
  • Earnings Pressure on Tech Giants: Next week, five of the 'Magnificent Seven' companies will report earnings, with market expectations for them to demonstrate sufficient revenue growth to justify their high AI expenditures; Alphabet, Amazon, Meta, and Microsoft have all seen stock price increases of over 10% this month, highlighting the market's keen interest in their performance.
  • Federal Reserve Meeting Impact: This is expected to be Jerome Powell's last meeting as chair, with the market widely anticipating that the Fed will keep interest rates unchanged, although rising oil prices could complicate future monetary policy, necessitating close attention to how this dynamic may affect the market.
  • Cautious Investor Sentiment: As the traditional market adage 'Sell in May' approaches, investors remain wary of potential downside risks, particularly in light of poor software stock performance and rising oil prices, which could further dampen market sentiment.
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.
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
Yaron Kinar
Underperform
maintain
$102 -> $104
AI Analysis
2026-05-04
Reason
Mizuho
Yaron Kinar
Price Target
$102 -> $104
AI Analysis
2026-05-04
maintain
Underperform
Reason
Mizuho analyst Yaron Kinar raised the firm's price target on Aflac to $104 from $102 and keeps an Underperform rating on the shares.
Piper Sandler
Overweight
downgrade
$130 -> $125
2026-05-01
Reason
Piper Sandler
Price Target
$130 -> $125
2026-05-01
downgrade
Overweight
Reason
Piper Sandler lowered the firm's price target on Aflac to $125 from $130 and keeps an Overweight rating on the shares. The firm notes the company reported a miss versus its and consensus' estimates primarily driven by underperformance in Japan where the pre-tax margin was less than Piper projected. Earnings emergence was challenged for the second quarter in a row, but there was underlying improvement in a consistently more favorable benefit ratio that has emerged out of Aflac's Japan business with the distribution remaining strong, the firm adds.
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 14.53, compared to its 5-year average forward P/E of 13.02. 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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
13.02
Current PE
14.53
Overvalued PE
14.82
Undervalued PE
11.22

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
-23.21
Current EV/EBITDA
12.22
Overvalued EV/EBITDA
59.00
Undervalued EV/EBITDA
-105.41

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
2.64
Current PS
3.32
Overvalued PS
3.23
Undervalued PS
2.06

Financials

AI Analysis
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Whales Holding AFL

B
Brevan Howard Capital Management LP
Holding
AFL
+16.14%
3M Return
A
Argenta Asset Management SA
Holding
AFL
+16.12%
3M Return
C
CCM Partners, LP
Holding
AFL
+14.46%
3M Return
M
Moran Wealth Management, LLC
Holding
AFL
+9.97%
3M Return
M
Mission Wealth Management, LP
Holding
AFL
+9.24%
3M Return
A
AssetMark, Inc.
Holding
AFL
+8.19%
3M Return

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Frequently Asked Questions

What is Aflac Inc (AFL) stock price today?

The current price of AFL is 113.1 USD — it has decreased -0.44

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 4.35B USD, increased 27.90

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

Aflac Inc. EPS for the last quarter amounts to 1.98 USD, increased 3860.00

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

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

What is Aflac Inc (AFL) market cap?

Today AFL has the market capitalization of 57.57B USD.