Aflac Incorporated demonstrates strong business quality with impressive earnings growth and market leadership in Japan, though it faces sales challenges in the US. Future prospects are bolstered by product innovation and stable profit margins, but market headwinds may pose risks.
Analysis Date: February 6, 2025 Last Updated: May 29, 2025
+226%
+12.5% per year
Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.
CountryUS
ExchangeNYSE
IndustryInsurance - Life
SectorFinancial Services
Market Cap$55.98B
CEOMr. Daniel Paul Amos
Aflac Incorporated is a company that provides extra health and life insurance to help people pay for unexpected medical costs. It operates mainly in two places: Japan and the United States. In Japan, Aflac offers various insurance products, like cancer and life insurance, while in the U.S., they provide coverage for accidents, critical illnesses, and even dental care. People can buy these insurance plans through sales agents and brokers, helping them feel more secure about their health and finances.
Streams of revenue
Aflac Japan Member:59%
Aflac US Member:42%
Geographic Distribution
Aflac Japan Member:59%
Aflac US Member:42%
Core Products
No core products data available
Business Type
No business type data available
Competitive Advantages
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Graham Value Metrics
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Income Statement Flow
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Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.
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AFL (Aflac Incorporated) is a Financial Services company listed on New York Stock Exchange. The stock has generated 12.5% annual returns with an overall investment score of None/100.
Aflac Incorporated demonstrates strong business quality with impressive earnings growth and market leadership in Japan, though it faces sales challenges in the US. Future prospects are bolstered by product innovation and stable profit margins, but market headwinds may pose risks.
AFL Key Financial Metrics
AFL financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 3.0827302591236765/100 and profitability score of 2.5/100 with financial health rated 8.8/100.
About Aflac Incorporated
Aflac Incorporated is a company that provides extra health and life insurance to help people pay for unexpected medical costs. It operates mainly in two places: Japan and the United States. In Japan, Aflac offers various insurance products, like cancer and life insurance, while in the U.S., they provide coverage for accidents, critical illnesses, and even dental care. People can buy these insurance plans through sales agents and brokers, helping them feel more secure about their health and finances.
AFL Investment Recommendation
Based on our comprehensive analysis of AFL, investors should consider the company's strong performance track record, earnings consistency (7/10 quarters beat expectations), and current valuation metrics when making investment decisions.
Financial Services Sector Analysis
AFL operates in the Insurance - Life industry within the Financial Services sector. This analysis compares Aflac Incorporated performance against industry and sector benchmarks to provide context for investment decisions.
Frequently Asked Questions about AFL Stock
Is AFL a good investment?
AFL (Aflac Incorporated) has generated 12.5% annual returns with an overall score of None/100. Aflac Incorporated demonstrates strong business quality with impressive earnings growth and market leadership in Japan, though it faces sales challenges in the US. Future prospects are bolstered by product innovation … Investors should consider their risk tolerance and investment goals when evaluating AFL.
What is AFL P/E ratio and valuation?
AFL valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Insurance - Life industry and Financial Services sector benchmarks. The company currently has a valuation score of 3.0827302591236765/100.
Should I buy AFL stock now?
The decision to buy AFL stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides profitability score of 2.5/100, financial health score of 8.8/100, and detailed performance metrics to help inform your investment decision.
What are AFL financial health indicators?
AFL financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 8.8/100 based on comprehensive analysis of balance sheet strength and operational efficiency.
How does AFL compare to competitors?
AFL performance is benchmarked against Insurance - Life industry peers and Financial Services sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for Aflac Incorporated's market position.
What are AFL historical returns?
AFL has generated 12.5% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.
AFL Key Investment Metrics Summary
Annual Return: 12.5%
Valuation Score: 3.0827302591236765/100
Profitability Score: 2.5/100
Financial Health Score: 8.8/100
Growth Score: -52.50649539900372/100
Earnings Beat Rate: 7/10 quarters
Sector: Financial Services
Industry: Insurance - Life
Exchange: New York Stock Exchange
Market Cap: 55978383300
AFL Investment Thesis
Aflac Incorporated (AFL) represents a strong investment opportunity in the Financial Services sector. With an overall score of None/100, the company demonstrates areas for financial improvement.
Investment Strengths
Attractive P/E Ratio
Strong Gross Profit Margin
Strong Net Profit Margin
High Return on Equity
Low Debt Levels
Strong Interest Coverage
Strong Earnings Growth
Market Leadership in Japan
Commitment to Shareholder Returns
Product Innovation in Japan
Stable Profit Margins
Investment Risks
High P/CF Ratio
Elevated EV/EBITDA
Low Operating Profit Margin
Liquidity Ratios Not Available
Sales Challenges in the US
Market Headwinds
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