NYSE · Insurance - Life

AFLAC Incorporated (AFL) Stock

$115.19 +0.22% NYSE: AFL Financial Services

Valuation

MetricValue
Price$115.19
Market Cap$58.63B
P/E Ratio12.20
P/B Ratio1.89
P/S Ratio3.20
EPS (TTM)$6.83
52-Week High$130.22
52-Week Low$105.43
Dividend Yield2.15%

Financials & Margins

MetricValue
ROE16.42%
ROA4.19%
ROCE5.45%
Gross Margin26.61%
Operating Margin26.61%
Net Margin26.88%
Debt/Equity0.29
Current Ratio12.39

Annual Financials (USD)

Metric20212022202320242025
Revenue$21.5B$19.2B$18.8B$19.1B$17.4B
Operating Profit$5.2B$4.9B$5.3B$6.4B$4.6B
Net Profit$4.2B$4.4B$4.7B$5.4B$3.6B
EPS$6.39$6.93$7.78$9.63$6.83
Op Margin24.2%25.4%27.9%33.5%26.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$157.5B$131.7B$126.7B$117.6B$116.5B
Total Liabilities$124.3B$111.6B$104.7B$91.5B$87.0B
Cash$5.1B$3.9B$4.3B$6.2B$6.2B
Borrowings$8.0B$7.4B$7.4B$7.5B$8.4B

Latest News

Keefe Bruyette & Woods Adjusts PT on Aflac to $120 From $115, Maintains Market Perform Rating MT Newswires · Jul 13, 2026 Evercore ISI Adjusts Price Target on Aflac to $115 From $109, Maintains Underperform Rating MT Newswires · Jul 13, 2026 Jefferies Adjusts Aflac Price Target to $108 From $100 MT Newswires · Jul 10, 2026 GL Outperforms Industry, Trades at a Discount: How to Play the Stock? Zacks · Jul 9, 2026 Wells Fargo Adjusts Price Target on Aflac to $120 From $111 MT Newswires · Jul 9, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$5.1B$3.9B$3.2B$2.7B$2.6B
Investing Cash Flow$-2.4B$-1.5B$817.0M$2.8B$1.6B
Financing Cash Flow$-2.4B$-2.5B$-3.0B$-3.0B$-3.8B
Net Cash Flow$-90.0M$-1.1B$363.0M$1.9B$16.0M
Free Cash Flow$5.1B$3.9B$3.2B$2.7B$2.6B

Valuation & Return Ratios

MetricValue
PEG Ratio0.11
EV / EBITDA8.76
FCF Yield4.57%
Quick Ratio11.31
Interest Coverage24.03
Return 1Y2.60%
Return 3Y56.06%
Return 5Y134.93%

Ownership

Insiders Held10.79%
Institutions Held59.71%
Institutions Float Held66.93%
Institutional HolderSharesReport Date
Japan Post Holdings Co., Ltd.50,898,4902026-06-30
Blackrock Inc.36,205,2912026-03-31
Vanguard Capital Management LLC30,254,4032026-03-31
State Street Corporation23,600,4702026-03-31
Vanguard Portfolio Management LLC18,242,5642026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BHFBrighthouse Financial, Inc. $48.99 -1.35% 3.93 $2.81B 0.00%
CNOCNO Financial Group, Inc. $53.55 +1.06% 18.13 $5.00B 1.34%
FGF&G Annuities & Life, Inc. $19.53 -1.81% 7.31 $2.59B 4.56%
GLGlobe Life Inc. $166.08 +1.63% 10.89 $12.90B 0.80%
HIGThe Hartford Insurance Group, Inc. $129.48 +2.02% 8.06 $35.49B 1.91%

About AFLAC Incorporated

AFLAC Incorporated is led by CEO Daniel Paul Amos, employs 12,694 people, headquartered in Columbus, US, publicly traded since 1980.

AFLAC Incorporated (AFL) stock trades at $115.19 with a market capitalization of $58.63B. The stock is valued at a price-to-earnings (P/E) ratio of 12.20, price-to-book of 1.89, price-to-sales of 3.20. Over the past 52 weeks the stock has ranged between $105.43 and $130.22, and currently trades 11.5% below its 52-week high. It pays a dividend yielding 2.15%.

On profitability, AFLAC Incorporated generates a return on equity (ROE) of 16.42%, above the typical market average, return on capital employed of 5.45%, an operating margin of 26.61%, a net profit margin of 26.88%.

In its most recent fiscal year, AFLAC Incorporated reported annual revenue of $17.4B, net profit of $3.6B, revenue has compounded at -4.8% a year over the last five years, profit at -5.3% a year.

The balance sheet shows a debt-to-equity ratio of 0.29 — a conservative balance sheet with little leverage risk, a current ratio of 12.39, total assets of $116.5B, $6.2B in cash and equivalents.

AFL has a beta of 0.58 (less volatile than the overall market).

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