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AFL
Aflac Incorporated
Summary
Business
Earnings Call
Valuation
Profitability
Financial Health
Intel
Yearly Return 10Y annualized return is very good at 12.5% per year
Earnings Expectations AFL has met or exceeded earnings expectations in the majority of recent quarters (7/10)
Positive Attractive P/E Ratio
Positive Strong Gross Profit Margin
Negative High P/CF Ratio
Negative Elevated EV/EBITDA

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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.

Country US
Exchange NYSE
Industry Insurance - Life
Sector Financial Services
Market Cap $55.98B
CEO Mr. 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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Key Business Risks

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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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ROE: 13.911124447068618

ROA: None

Gross Profit Margin: 99.70739700374533

Net Profit Margin: 21.026451310861425

Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

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About Profitability Metrics

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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  • • Return on Equity (ROE) analysis
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About Financial Health Metrics

Financial health metrics assess a company's ability to meet its financial obligations and its overall financial stability.

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  • • Debt to Equity ratio analysis
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Meeting Expectations

7 /10

Higher values indicate better execution and credibility

Recent Results

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EPS

1.67
Estimated
1.66
Actual
-0.60%
Difference

Revenue

$4277547783
Estimated
$3398000000
Actual
-20.56%
Difference
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Insider trading data shows purchase and sale activities by company executives and board members.

Insider Sentiment Analysis

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AFL Stock Analysis: Aflac Incorporated Investment Guide

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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