AFL Valuation

Aflac Inc

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107.190

+0.35(0.328%)1D

AFL Relative Valuation

AFL's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, AFL is overvalued; if below, it's undervalued.

Historical Valuation

Aflac Inc (AFL) is now in the Overvalued zone, suggesting that its current forward PE ratio of 14.96 is considered Overvalued compared with the five-year average of 12.43. The fair price of Aflac Inc (AFL) is between 76.70 to 100.71 according to relative valuation methord. Compared to the current price of 107.19 USD , Aflac Inc is Overvalued By 6.43%.

Relative Value

Fair Zone

76.70-100.71

Current Price：107.19

6.43%

Overvalued

14.96

Trailing

Forward

0.00

EV/EBITDA

Aflac Inc. (AFL) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is -24.18. The thresholds are as follows: Strongly Undervalued below -188.17, Undervalued between -188.17 and -106.18, Fairly Valued between 57.81 and -106.18, Overvalued between 57.81 and 139.81, and Strongly Overvalued above 139.81. The current Forward EV/EBITDA of 0.00 falls within the Historic Trend Line -Fairly Valued range.

13.57

EV/EBIT

Aflac Inc. (AFL) has a current EV/EBIT of 13.57. The 5-year average EV/EBIT is 10.83. The thresholds are as follows: Strongly Undervalued below 7.21, Undervalued between 7.21 and 9.02, Fairly Valued between 12.63 and 9.02, Overvalued between 12.63 and 14.44, and Strongly Overvalued above 14.44. The current Forward EV/EBIT of 13.57 falls within the Overvalued range.

107.19

Aflac Inc. (AFL) has a current PS of 107.19. The 5-year average PS is 2.87. The thresholds are as follows: Strongly Undervalued below -10.42, Undervalued between -10.42 and -3.78, Fairly Valued between 9.52 and -3.78, Overvalued between 9.52 and 16.17, and Strongly Overvalued above 16.17. The current Forward PS of 107.19 falls within the Strongly Overvalued range.

0.00

P/OCF

Aflac Inc. (AFL) has a current P/OCF of 0.00. The 5-year average P/OCF is 4.48. The thresholds are as follows: Strongly Undervalued below -7.93, Undervalued between -7.93 and -1.72, Fairly Valued between 10.69 and -1.72, Overvalued between 10.69 and 16.89, and Strongly Overvalued above 16.89. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

19.11

P/FCF

Aflac Inc. (AFL) has a current P/FCF of 19.11. The 5-year average P/FCF is 11.32. The thresholds are as follows: Strongly Undervalued below -13.82, Undervalued between -13.82 and -1.25, Fairly Valued between 23.88 and -1.25, Overvalued between 23.88 and 36.45, and Strongly Overvalued above 36.45. The current Forward P/FCF of 19.11 falls within the Historic Trend Line -Fairly Valued range.

Aflac Inc (AFL) has a current Price-to-Book (P/B) ratio of 2.11. Compared to its 3-year average P/B ratio of 2.14 , the current P/B ratio is approximately -1.63% higher. Relative to its 5-year average P/B ratio of 1.75, the current P/B ratio is about 20.17% higher. Aflac Inc (AFL) has a Forward Free Cash Flow (FCF) yield of approximately 4.52%. Compared to its 3-year average FCF yield of 6.32%, the current FCF yield is approximately -28.53% lower. Relative to its 5-year average FCF yield of 9.70% , the current FCF yield is about -53.39% lower.

2.11

P/B

Median3y

2.14

Median5y

1.75

4.52

FCF Yield

Median3y

6.32

Median5y

9.70

Competitors Valuation Multiple

The average P/S ratio for AFL's competitors is 98.04, providing a benchmark for relative valuation. Aflac Inc Corp (AFL) exhibits a P/S ratio of 107.19, which is 9.33% above the industry average. Given its robust revenue growth of -19.03%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Sun Life Financial Inc

American International Group Inc

Manulife Financial Corp

45.39

14.17%

54.69B

Performance Decomposition

Market capitalization of AFL decreased by 5.45% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 14.12 to 24.20.

The secondary factor is the Revenue Growth, contributed -19.03%to the performance.

Overall, the performance of AFL in the past 1 year is driven by P/E Change. Which is more unsustainable.

-19.03%

5.14B → 4.16B

Revenue Growth

-57.85%

34.16 → 14.40

Margin Expansion

71.43%

14.12 → 24.20

P/E Change

-5.45%