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AFL stock logo

AFL

Aflac Incorporated

$116.59
-0.86
 (-0.73%)
Exchange:  NYSE
Market Cap:  59.343B
Shares Outstanding:  1.204B
Delayed data
Calculate AFL Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Life
   
CEO:  Daniel Paul Amos
Full Time Employees:  12716
Address: 
1932 Wynnton Road
Columbus
GA
31999-7251
US
Website:  https://www.aflac.com
Aflac Incorporated, operating through its various subsidiary companies, focuses on delivering supplementary health and life insurance policies. The firm’s business activities are structured into two primary divisions: Aflac Japan and Aflac U.S. In Japan, the company offers a diverse range of insurance products, including coverage for cancer, medical expenses, income support for nursing care, and the distinct GIFT plan. This segment also provides traditional whole and term life insurance, along with savings-oriented plans like WAYS and child endowment products. Meanwhile, the Aflac U.S. division caters to the American market, furnishing policies that address cancer, accidents, short-term disability, critical illness, and hospital stays. Additionally, it provides dental, vision, long-term care, disability, and both term and whole life insurance options. Aflac distributes its comprehensive suite of products through multiple channels, which include dedicated sales associates, independent brokers, various corporate and individual agencies, and affiliated agencies. Established in 1955, the company maintains its corporate headquarters in Columbus, Georgia.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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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.

2026/04/30 — Q1 quarter 2026

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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 Year2029Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)17,050,967.374Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)17,867,898.609Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)17,439,276.830Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)7,144,426.958Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)7,486,724.577Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)7,307,130.251Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)4,198,784.751Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)4,462,100.255Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)4,323,946.600Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)527,428.134Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)552,697.815Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)539,439.495Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)8.130Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)8.390Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)7.890Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
18.927B  ?P/S
 (TTM)
: 
3.27
?Net Income
 (TTM)
: 
5.443B  ?P/E
 (TTM)
: 
12.45
?Enterprise Value
 (TTM)
: 
61.687B  ?EV/FCF
 (TTM)
: 
23.3
?Dividend Yield
 (TTM)
: 
2.08%  ?Payout Ratio
 (TTM)
: 
24.56%
?ROE
 (TTM)
: 
16.42%  ?ROIC
 (TTM)
: 
4.58%
?Net Debt
 (TTM)
: 
1.269B  ?Debt/Equity
 (TTM)
: 
0.29
?P/B
 (TTM)
: 
1.93  ?Current Ratio
 (TTM)
: 
11.31

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Forward P/E Ratios

?

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

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
16.63Research AccessResearch AccessResearch AccessResearch 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.

[intrinsic_calculator]

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

-0.73
MARKETSnap

Trading Metrics:

Open: 116.44   Previous Close: 117.45
Day Low: 116.04   Day High: 117.37
Year Low: 104.66   Year High: 130.22
Price Avg 50: 121.56   Price Avg 200: 114.47
Volume: 1.242M   Average Volume: 2.349M

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See in Nexus

Relevant news

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11-08-2026 13:56
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Aflac Q2 Earnings Call Highlights
07-08-2026 17:05
Aflac Q2 Earnings Call Highlights
Aflac Incorporated (AFL) Q2 2026 Earnings Call Transcript
07-08-2026 13:24
Aflac Incorporated (AFL) Q2 2026 Earnings Call Transcript
Insurer Aflac misses quarterly profit estimates on stronger dollar
06-08-2026 18:00
Insurer Aflac misses quarterly profit estimates on stronger dollar
Can Better Japan Profitability Support Aflac's Q2 Earnings Beat?
03-08-2026 13:25
Can Better Japan Profitability Support Aflac's Q2 Earnings Beat?

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