Aflac Incorporated AFL SPXR3KFINANCIAL
Company Overview
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan. Its Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company also provides hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as cafeteria plans. It sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.
Why Investors Should Care
Generates a return on equity of 16.9%, reflecting efficient use of shareholder capital.
Trades at a P/E of 13.0, below the sector median of 13.6.
Maintains a net profit margin of 26.9%.
Offers a dividend yield of 2.12%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $17.36B (-9.3% YoY); net profit $3.65B.
- Trailing 12 Months Year-on-year growth — revenue -1.0%, earnings +46.8%.
- 5-Year Trend Long-term compounding — revenue CAGR 0.7%, profit CAGR 4.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 0.67% |
| 1 Year: | -1.00% |
Compounded Profit Growth
| 5 Years: | 4.56% |
| 1 Year: | 46.80% |
Stock Price Performance
| 1 Year: | +16.44% |
| 6 Months: | +6.22% |
| 3 Months: | -4.30% |
| 1 Month: | +5.70% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)60.04 · Neutral
P/E of 12.96 is below the sector median of 13.55 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 26.9%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | AFL Aflac Incorporated SPXR3KFINANCIAL | 120.51 | 12.96 | $60.42B | 2.12% | - | 16.91% | 0.67% | 4.56% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5.45B | 5.44B | 5.72B | 5.96B | 5.31B | 5.43B | 5.51B | 5.42B | 5.46B | 5.59B | 5.58B | 5.13B | 5.66B | 5.51B | 5.54B | 5.60B | 5.16B | 5.41B | 5.67B | 5.91B | 5.87B | 5.56B | 5.24B | 5.17B | 5.32B | 4.70B | 3.95B | 4.80B | 5.17B | 4.95B | 3.78B | 5.44B | 5.14B | 2.95B | 3.45B | 4.22B | 4.79B | 4.89B | 4.41B | 4.12B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 1.08B | 1.04B | 1.09B | - | 1.03B | 1.07B | 1.01B | - | 1.11B | 1.14B | 1.06B | - | 1.14B | 1.14B | 1.16B | - | 1.18B | 1.24B | 1.04B | - | 1.31B | 1.34B | 1.29B | 1.16B | 1.14B | 1.11B | - | 1.13B | 1.14B | 1.30B | - | - | - | - | 195.00M | 874.00M | 2.05B | 1.63B | 1.28B | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 50.00M | 52.00M | 57.00M | 61.00M | 60.00M | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 145.00M | 822.00M | 1.99B | 1.57B | 1.23B | - |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 116.00M | 223.00M | 355.00M | 193.00M | 206.00M | - |
| Net Income | 731.00M | 548.00M | 629.00M | - | 592.00M | 713.00M | 716.00M | - | 717.00M | 832.00M | 845.00M | - | 928.00M | 817.00M | 777.00M | - | 566.00M | 805.00M | 2.46B | - | 1.29B | 1.10B | 888.00M | 1.05B | 1.39B | 1.78B | - | 1.19B | 1.63B | 1.57B | - | 1.88B | 1.75B | -93.00M | 29.00M | 599.00M | 1.64B | 1.38B | 1.02B | 825.00M |
| Diluted EPS | 1.74 | 1.32 | 1.53 | 1.84 | 0.73 | 0.89 | 0.90 | 3.27 | 0.91 | 1.07 | 1.09 | 0.69 | 1.23 | 1.09 | 1.04 | 1.06 | 0.78 | 1.12 | 3.44 | 1.35 | 1.87 | 1.62 | 1.32 | 1.60 | 2.17 | 2.82 | 0.31 | 1.94 | 2.71 | 2.64 | 0.46 | 3.25 | 3.10 | -0.17 | 0.05 | 1.11 | 3.08 | 2.64 | 1.98 | 1.63 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 15.39B | 16.55B | 18.25B | 20.73B | 22.17B | 25.36B | 23.94B | 22.73B | 20.87B | 22.56B | 21.67B | 21.76B | 22.31B | 22.15B | 21.55B | 19.15B | 18.84B | 19.13B | 17.36B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | 3.44B | 3.98B | 4.50B | 4.66B | 4.40B | 4.25B | 4.00B | 4.12B | 4.09B | 4.35B | 4.46B | 4.42B | 4.93B | 5.09B | 5.46B | 6.61B | 4.75B |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 226.00M | 195.00M | 197.00M | 220.00M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.87B | 5.26B | 6.42B | 4.53B |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 451.00M | 603.00M | 974.00M | 887.00M |
| Net Income | 1.63B | 1.25B | 1.50B | 2.33B | 1.94B | 2.87B | 3.16B | 2.95B | 2.53B | 2.66B | 4.60B | 2.92B | 3.30B | 4.78B | 4.23B | 4.42B | 4.66B | 5.44B | 3.65B |
| Diluted EPS | 3.31 | 2.62 | 3.19 | 4.92 | 4.12 | 6.11 | 6.76 | 6.50 | 5.85 | 3.21 | 5.77 | 3.77 | 4.43 | 6.67 | 6.25 | 6.93 | 7.78 | 9.63 | 6.82 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2006 | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 79.33B | 84.11B | 100.24B | 116.24B | 121.31B | 121.31B | 119.73B | 118.26B | 129.82B | 137.22B | 140.41B | 152.77B | 165.09B | - | 131.74B | 126.72B | 117.57B | 116.47B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 1.20B | 1.56B | 941.00M | 2.32B | 2.12B | 2.25B | 2.04B | 2.54B | 4.66B | 4.35B | 4.86B | 3.49B | 4.34B | 4.90B | 5.14B | - | 3.94B | 4.31B | 6.23B | 6.25B |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 647.00M | 848.00M | 779.00M | 835.00M |
| Total Liabilities | - | - | 72.69B | 75.69B | 89.98B | 103.29B | 115.12B | 106.69B | 101.42B | 100.55B | 109.34B | 112.62B | 116.94B | 123.81B | 131.53B | - | 111.60B | 104.74B | 91.47B | 86.98B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 7.29B | 7.24B | 7.40B | 8.33B |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 7.44B | 7.36B | 7.50B | 8.41B |
| Total Equity | - | 8.79B | 6.64B | 8.42B | 10.54B | 12.95B | 15.98B | 14.62B | 18.35B | 17.71B | 20.48B | 24.60B | 23.46B | 28.96B | 33.56B | - | 20.14B | 21.98B | 26.10B | 29.49B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.35B | 1.36B | 1.36B | 1.36B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 4.66B | 4.96B | 6.16B | 6.99B | 10.84B | 14.95B | 10.55B | 6.55B | 6.78B | 5.99B | 6.13B | 6.01B | 5.46B | 5.96B | 5.05B | 3.88B | 3.19B | 2.71B | 2.56B |
| Investing Cash Flow | -3.65B | -4.28B | -5.48B | -7.43B | -10.83B | -16.95B | -11.09B | -4.24B | -4.90B | -3.85B | -5.43B | -3.58B | -3.17B | -4.62B | -2.38B | -1.54B | 817.00M | 2.78B | 1.56B |
| Financing Cash Flow | -655.00M | -1.38B | 699.00M | 161.00M | 64.00M | 1.95B | 1.14B | -147.00M | -2.19B | -1.62B | -2.06B | -1.62B | -1.71B | -1.11B | -2.74B | -3.55B | -3.72B | -3.49B | -4.07B |
| Capital Expenditure | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.88B | 3.19B | 2.71B | 2.56B |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -1.21B | 284.00M | 2.00B | 47.00M |
| Share Buybacks | 606.00M | 1.49B | 10.00M | 121.00M | 308.00M | 118.00M | 813.00M | 1.21B | 1.31B | 1.42B | 1.35B | 1.30B | 1.63B | 1.54B | 2.30B | 2.40B | 2.80B | 2.80B | 3.53B |
| Dividends Paid | 373.00M | 434.00M | 524.00M | 535.00M | 552.00M | 603.00M | 635.00M | 654.00M | 656.00M | 658.00M | 661.00M | 793.00M | 771.00M | 769.00M | 855.00M | 979.00M | 966.00M | 1.09B | 1.20B |
Ratios (Annual)
Figures in %.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | 18.8% | 19.2% | 20.3% | 18.4% | 18.4% | 18.7% | 19.2% | 18.2% | 18.9% | 20.0% | 20.0% | 19.9% | 22.9% | 26.6% | 29.0% | 34.6% | 27.4% |
| Net Margin % | 10.6% | 7.6% | 8.2% | 11.2% | 8.7% | 11.3% | 13.2% | 13.0% | 12.1% | 11.8% | 21.2% | 13.4% | 14.8% | 21.6% | 19.6% | 23.1% | 24.7% | 28.5% | 21.0% |
| ROE % | 18.6% | 18.9% | 17.8% | 22.1% | 15.0% | 17.9% | 21.6% | 16.1% | 14.3% | 13.0% | 18.7% | 12.4% | 11.4% | 14.2% | - | 21.9% | 21.2% | 20.9% | 12.4% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Japan Post Holdings Co., Ltd. | 10.15% | 50.90M | $5.83B |
| 2 | Blackrock Inc. | 6.96% | 34.92M | $4.00B |
| 3 | Vanguard Capital Management LLC | 5.96% | 29.90M | $3.43B |
| 4 | Vanguard Portfolio Management LLC | 4.86% | 24.36M | $2.79B |
| 5 | State Street Corporation | 4.69% | 23.51M | $2.69B |
| 6 | Geode Capital Management, LLC | 2.11% | 10.60M | $1.21B |
| 7 | Wells Fargo & Company | 1.72% | 8.64M | $989.19M |
| 8 | Morgan Stanley | 1.60% | 8.04M | $920.98M |
| 9 | Northern Trust Corporation | 1.25% | 6.28M | $719.64M |
| 10 | Goldman Sachs Group Inc | 1.06% | 5.32M | $609.83M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for AFL
Beloved Sports Figure Brian Jordan Joins Aflac in Bringing Comfort to Young Patients at St. Louis Children's Hospital
NORTHAMPTON, MA / ACCESS Newswire / October 20, 2026 / Originally published on Aflac NewsroomFormer Major League Baseball and NFL standout Brian Jordan recently returned to St. Louis to support children facing some of life's toughest challe…
Aflac’s Q3 2026 Earnings: What to Expect
Aflac is set to report its third-quarter earnings next month, and analysts are expecting a single-digit decrease in its earnings.
AM Best Affirms Credit Ratings of Aflac Incorporated and Its Subsidiaries
OLDWICK, N.J., October 14, 2026--AM Best has affirmed the Financial Strength Rating of A+ (Superior) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of "aa" (Superior) of Aflac Life Insurance Japan, Ltd. (Japan) (Aflac Japan), Ameri…
Aflac (AFL) Rolls Out AI With bswift, Is The Stock Fairly Valued?
Aflac’s AI Partnership With bswift Aflac (AFL) is the exclusive launch partner for bswift’s new AI carrier configuration tools, a move aimed at faster, more accurate setup of complex benefit plans on the bswift platform. The collaboration f…
Aflac Strengthens Benefits Tech With bswift's AI-Powered Tools
AFL is advancing workplace benefits with bswift's AI-powered tools, simplifying plan configuration and potentially improving access to its voluntary products.
bswift Launches AI-Powered Carrier Configuration Tools, Starting with Aflac
bswift®, a leading benefits technology and administration company, today announced a new AI-powered carrier configuration toolset that helps Channel Partners and clients add, switch, and update benefit plans with greater speed and accuracy.…
AFL — Frequently Asked Questions
What is the current share price of Aflac Incorporated (AFL)?
As of 2026-10-23 16:27 PDT, Aflac Incorporated (AFL) trades at $120.51 on NYSE. Its 52-week range is $103.10 to $128.90.
What is the market capitalisation of AFL?
Aflac Incorporated (AFL) has a market capitalisation of $60.42B on NYSE.
What is the P/E ratio of AFL?
AFL trades at a trailing price-to-earnings (P/E) ratio of 12.96. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.90.
Does AFL pay a dividend?
Aflac Incorporated (AFL) currently offers a dividend yield of 2.12%.
What is the return on equity (ROE) of AFL?
AFL has a return on equity (ROE) of 16.91%.
Is AFL a good stock to buy?
This page provides a data-driven analysis of Aflac Incorporated (AFL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.