NYSE · Insurance - Life

Aflac Incorporated (AFL) Stock

$128.67 -0.68% NYSE: AFL Financial Services

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.

Valuation

MetricValue
Price$128.67
Market Cap$65.49B
P/E Ratio12.93
P/B Ratio1.93
P/S Ratio3.26
EPS (TTM)$6.83
52-Week High$129.77
52-Week Low$96.95
Dividend Yield2.01%

Financials & Margins

MetricValue
ROE16.47%
ROA3.09%
ROCE15.74%
Gross Margin26.61%
Operating Margin26.61%
Net Margin25.44%
Debt/Equity0.35
Current Ratio0.00

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 Ratio
EV / EBITDA11.17
FCF Yield4.93%
Quick Ratio0.00
Interest Coverage21.10
Return 1Y25.05%
Return 3Y86.45%
Return 5Y163.65%

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
BHF $63.63 +0.74% 10.79 $3.65B 0.00%
CNO $55.50 -0.32% 20.12 $5.18B 1.44%
FG $30.21 -0.80% 14.55 $4.00B 3.44%
JXN $123.00 +1.61% -450.67 $8.58B 3.05%
LNC $46.09 +1.05% 5.88 $8.82B 5.24%

About Aflac Incorporated

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.

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 $128.67 with a market capitalization of $65.49B. The stock is valued at a price-to-earnings (P/E) ratio of 12.93, price-to-book of 1.93, price-to-sales of 3.26. Over the past 52 weeks the stock has ranged between $96.95 and $129.77, and currently trades at its 52-week high. It pays a dividend yielding 2.01%.

On profitability, Aflac Incorporated generates a return on equity (ROE) of 16.47%, above the typical market average, return on capital employed of 15.74%, an operating margin of 26.61%, a net profit margin of 25.44%.

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 0.35 — a conservative balance sheet with little leverage risk, a current ratio of 0.00, total assets of $116.5B, $6.2B in cash and equivalents.

AFL has an average daily trading volume of 2,457,206 shares, a beta of 0.61 (less volatile than the overall market).

Official website: www.aflac.com

Related Financial Services Stocks

BRK.A Insurance - Diversified $733370.00 +0.00% BRK.B FIRE, MARINE & CASUALTY INSURANCE $482.70 +0.00% JPM Banks - Diversified $357.52 +0.34% V Financial - Credit Services $362.50 -2.15% MA Financial - Credit Services $562.95 -2.26% BAC Banks - Diversified $63.17 +0.27% HSBC Banks - Diversified $102.60 -1.06% MS Financial - Capital Markets $203.19 -3.97% GS Financial - Capital Markets $980.75 -5.09% RY Banks - Diversified $206.45 -2.79% WFC Banks - Diversified $83.87 -3.45% MUFG Banks - Diversified $21.94 -2.18%

Popular Stocks

Apple (AAPL)Microsoft (MSFT)NVIDIA (NVDA)Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Broadcom (AVGO)Eli Lilly (LLY)Exxon Mobil (XOM)

Screens featuring this stock

High ROE Financial Services StocksLow P/E Financial Services StocksHigh Net Margin Financial Services StocksDividend Financial Services StocksLow Debt Financial Services StocksNYSE High ROE StocksAll stock screens
Run Stock Screener Investing Guides