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AFL stock logo

AFL

Aflac Incorporated

$110.48
0.84
 (0.77%)
Exchange:  NYSE
Market Cap:  57.048B
Shares Outstanding:  1.204B
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Life
   
CEO:  Daniel Paul Amos
Full Time Employees:  12694
Address: 
1932 Wynnton Road
Columbus
GA
31999
US
Website:  https://www.aflac.com
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. The company was founded in 1955 and is based in Columbus, Georgia.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/01 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue18,841,00019,128,00017,438,000
Gross Profit18,841,0006,815,0006,788,000
EBITDA5,262,0006,417,0005,525,000
Operating Income5,262,0006,417,0004,641,000
Net Income4,659,0005,443,0003,646,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets126,724,000117,566,000116,470,000
Total Liabilities104,739,00091,468,00086,980,000
Total Stockholders Equity21,985,00026,098,00029,490,000
Total Debt7,364,0007,498,0008,409,000
Cash and Cash Equivalents4,306,0006,229,0006,245,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow3,190,0002,707,0003,710,000
Capital Expenditure000
Free Cash Flow3,190,0002,707,0003,710,000
Net Income4,659,0005,443,0003,646,000
Net Change in Cash363,0001,923,000338,000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)18,057,333.748Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)18,514,472.265Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)18,377,522.900Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)7,566,098.696Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)7,757,641.655Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)7,700,259.296Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)4,651,864.686Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)4,805,781.946Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)4,759,672.206Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)558,557.507Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)572,697.920Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)568,461.741Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)8.950Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)9.030Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)8.740Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
18.927B  ?P/S
 (TTM)
: 
3.4
?Net Income
 (TTM)
: 
5.443B  ?P/E
 (TTM)
: 
16.65
?Enterprise Value
 (TTM)
: 
61.163B  ?EV/FCF
 (TTM)
: 
23.94
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.33
?ROE
 (TTM)
: 
0.13  ?ROIC
 (TTM)
: 
0.03
?Net Debt
 (TTM)
: 
1.269B  ?Debt/Equity
 (TTM)
: 
0.29
?P/B
 (TTM)
: 
2.06  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
15.26Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates AFL intrinsic value between $70.50 – $73.43 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate AFL Intrinsic Value

Common questions about AFL valuation

Is Aflac Incorporated (AFL) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Aflac Incorporated (AFL) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is AFL a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether AFL trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is AFL’s P/E ratio?

You can see AFL’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for AFL?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is AFL a good long-term investment?

Whether AFL fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

AFL

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.77
MARKETSnap

Trading Metrics:

Open: 109.42   Previous Close: 109.64
Day Low: 109.06   Day High: 110.54
Year Low: 96.95   Year High: 119.32
Price Avg 50: 111.06   Price Avg 200: 108.44
Volume:    Average Volume: 

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See in Nexus

Relevant news

Aflac Incorporated to Release First Quarter Results and CFO Video Update on April 29, 2026 and Host Webcast on April 30, 2026
Half Of All Investors Are Bearish, Missing This Cheap Dividend Stock
Here's Why Investors Should Stay Neutral on Aflac Stock for Now
Aflac Re Bermuda Ltd. Announces Reinsurance Transaction with Japan Post Insurance Company
Aflac (AFL) Down 5.5% Since Last Earnings Report: Can It Rebound?
This Stock Pays A ‘Secret' 8%+ Dividend (And Cashes In On AI)

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