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Stock Aflac Incorporated AFL

Aflac Incorporated — Investlytic score 3/5 on the five criteria.

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60/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 3/5 criteria met. Data as of 22/10/2026.

  • ✅ Price trend passed
  • ⚠️ Mixed growth
  • ✅ Debt passed
  • ✅ P/E passed
  • ❌ Correction failed

Price trend

Overall trend (8 years): the price has been multiplied by at least 1.5.

Price change 2018 → 2019: 16.11%

Price change 2019 → 2020: -15.94%

Price change 2020 → 2021: 31.30%

Price change 2021 → 2022: 23.21%

Price change 2022 → 2023: 14.68%

Price change 2023 → 2024: 25.38%

Price change 2024 → 2025: 6.60%

Price change 2025 → 2026: 11.51%

Price change 2026 (year to date): 11.54%

Financial growth

Revenue CAGR (8 years): -3.08%

Earnings CAGR (8 years): 3.22%

Growth status: positive trend (>1%/yr) in revenue OR earnings, but not both.

Debt

Debt-to-equity ratio: 0.29

Debt/equity < 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 16.21

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 5.08% from the high over 6 months.

Insufficient correction (< 10.0%).

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Criteria of the Investlytic model

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
Aflac Incorporated16.30.28−1.1 %🔒
Deutsche Börse AG25.70.72+9.1 %–
Nasdaq, Inc.29.10.81+6.5 %–
Nu Holdings Ltd.15.10.46+80.6 %–
Société Générale S.A.8.02.38+2.3 %–

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by Aflac Incorporated over the latest fiscal years.

Revenue
17.4 bn USD
fiscal year 2025
Net income
3.6 bn USD
fiscal year 2025
Net margin
20.9 %
fiscal year 2025
Average annual growth
-4.8 %
Revenue growth over 5 years
Average annual growth
-1.8 %
Revenue growth over 10 years
Market cap
62.1 bn USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
202022.3 bn4.8 bn21.5 %n/a
202121.5 bn4.2 bn19.6 %-3.2 %
202219.2 bn4.4 bn23.1 %-11.1 %
202318.8 bn4.7 bn24.7 %-1.6 %
202419.1 bn5.4 bn28.5 %+1.5 %
202517.4 bn3.6 bn20.9 %-8.8 %

Amounts converted to USD. Source: published annual accounts, collected on 30/10/2026.

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Accounts and financial health

Balance sheet and cash flow published by Aflac Incorporated over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
8 / 9
7 to 9: solid accounts
DCF Value
158.93 USD
DCF above share price · share price 123.89 USD, gap +28.3 %
Net Debt / EBITDA
0.37 x
low debt
Fiscal year20212022202320242025
Cash and investments104 bn79.7 bn77.6 bn71.5 bn70.4 bn
Total Debt8.0 bn7.4 bn7.4 bn7.5 bn8.4 bn
Net Debt2.9 bn3.5 bn3.1 bn1.3 bn2.2 bn
Equity33.3 bn20.1 bn22.0 bn26.1 bn29.5 bn
Total assets158 bn132 bn127 bn118 bn116 bn
Operating cash flow5.1 bn3.9 bn3.2 bn2.7 bn2.6 bn
Investments (capex)00000
Free cash-flow5.1 bn3.9 bn3.2 bn2.7 bn2.6 bn
Share buybacks2.3 bn2.4 bn2.8 bn2.8 bn3.5 bn
Dividends paid855 m979 m966 m1.1 bn1.2 bn

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)13.29 x
Price / book value2.06 x
Return on Equity (ROE)16.4 %
Return on Invested Capital (ROIC)4.6 %
Net margin26.9 %
Debt / equity0.29 x
Current ratio11.31 x
Interest coverage24.03 x
Free cash-flow yield4.3 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 02/11/2026.

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Valuation and competitors

Aflac Incorporated compared with its sector on the same exchange and with its main competitors.

Company P/E
16.3
close to the sector
Sector median P/E
17.8
financial services, NYSE
Sector over 10 years
18.3
10-year median, range 15.0 to 24.9

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 02/11/2026. Competitors: comparable companies named by the data provider.

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Analyst consensus and forecasts

What the financial analysts covering Aflac Incorporated publish: ratings, price targets and earnings forecasts.

Majority rating
hold
32 analysts
Average price target
122.33 USD
from 108.00 USD to 138.00 USD, 19 targets over 12 months
Gap with the share price
-1.3 %
price 123.89 USD on 30/10/2026

Breakdown of ratings

strong buy 0buy 9hold 18sell 5strong sell 0

Analysts' average target 122.33 USD, DCF value 158.93 USD, share price 123.89 USD.

Average target over the last 3 months: 125.25 USD (4 targets).

Analyst forecasts

Fiscal yearRevenueNet incomeExpected EPS (range)P/E on this EPSAnalysts
202616.8 bn3.8 bn7.02 (6.87 / 7.24)17.610
202716.9 bn4.2 bn7.62 (7.40 / 8.47)16.210
202817.2 bn4.3 bn8.05 (7.92 / 8.19)15.45

Amounts in USD, the reporting currency.

Track record against expectations: reported EPS above consensus 6 times over the last 12 releases.

Rating changes (12 months)

DateFirmBeforeAfter
15/10/2026JP MorganNeutralNeutral
12/10/2026Wells FargoEqual WeightEqual Weight
09/10/2026Keefe, Bruyette & WoodsMarket PerformMarket Perform
07/10/2026MizuhoUnderperformUnderperform
07/10/2026BarclaysUnderweightUnderweight

Source: ratings and forecasts published by analysts, collected on 01/11/2026. An analyst rating or target is not a guarantee.

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Dividends and earnings

Aflac Incorporated: dividend history, last distributions, stock splits and earnings releases.

Frequency
quarterly
Last dividend
0.610 USD
ex-dividend on 19/08/2026
Last 12 months
2.41 USD
number of payments: 4
Yield
2.0 %
on the last known price
Years of increases
42
consecutive
Years of payments
42
uninterrupted
00.581.161.742.322007 : 0.400 USD2008 : 0.480 USD20082009 : 0.560 USD2010 : 0.570 USD20102011 : 0.615 USD2012 : 0.670 USD20122013 : 0.710 USD2014 : 0.750 USD20142015 : 0.790 USD2016 : 0.830 USD20162017 : 0.870 USD2018 : 1.04 USD20182019 : 1.08 USD2020 : 1.12 USD20202021 : 1.32 USD2022 : 1.60 USD20222023 : 1.68 USD2024 : 2.00 USD20242025 : 2.32 USD2026 : 1.83 USD2026

Annual dividend per share (USD), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.

Latest ex-dividend dates

Ex-dividendAmountPayment
19/08/20260.610 USD01/09/2026
20/05/20260.610 USD01/06/2026
18/02/20260.610 USD02/03/2026
19/11/20250.580 USD01/12/2025
20/08/20250.580 USD02/09/2025
21/05/20250.580 USD02/06/2025
19/02/20250.580 USD03/03/2025
20/11/20240.500 USD02/12/2024

Earnings releases

Next release: 04/11/2026. Expected EPS: 1.80.

DatePublished EPSExpected EPSSurprise
06/08/20261.751.76-0.6 %
29/04/20261.751.79-2.2 %
04/02/20261.571.69-7.1 %
04/11/20252.491.77+40.7 %
05/08/20251.781.70+4.7 %
30/04/20251.661.67-0.6 %

Stock splits

DateOperation
19/03/2018split: 2 shares for 1
19/03/2001split: 2 shares for 1
09/06/1998split: 2 shares for 1
18/03/1996split: 3 shares for 2
15/06/1993split: 5 shares for 4
03/02/1987split: 2 shares for 1

Factual data: ex-dividend history and earnings calendar, as of 01/11/2026. A past dividend does not guarantee the next one.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in Aflac Incorporated.

Large funds tracked
29
hold the stock as of 2026Q2
Executives (insiders)
0 / 91
0 purchases, 91 sales in 130 days
US elected officials
3
1 purchases, 2 sales in 12 months

Indices: S&P 500 (since 28/05/1999).

Large funds tracked

FundSharesValue (USD)Weight in the fundChangeQuarter
Vanguard Group57.1 m6.3 bn0.1 %+13.4 %2025Q4
State Street47.0 m5.5 bn0.1 %+99.3 %2026Q2
BlackRock34.9 m4.1 bn0.1 %-3.6 %2026Q2
Geode Capital Management10.6 m1.2 bn0.1 %-1.1 %2026Q2
Morgan Stanley8.0 m943 m0.1 %+1.8 %2026Q2
Northern Trust6.3 m737 m0.1 %-4.1 %2026Q2
Goldman Sachs5.4 m634 m0.1 %+29.8 %2026Q2
Invesco4.0 m471 m0.0 %-7.6 %2026Q2

Latest insider transactions

DatePersonSideAmount
15/10/2026Japan Post Holdings Co., Ltd.sale10.4 m USD
15/10/2026Japan Post Holdings Co., Ltd.sale2.3 m USD
15/10/2026Japan Post Holdings Co., Ltd.sale766,976 USD
14/10/2026Japan Post Holdings Co., Ltd.sale734,848 USD
14/10/2026Japan Post Holdings Co., Ltd.sale2.2 m USD
14/10/2026Japan Post Holdings Co., Ltd.sale3.5 m USD

Elected officials' disclosures

DateOfficialSideAmount
10/08/2026Ro Khannasale$1,001 - $15,000
27/03/2026Alan Armstrongpurchase$1,001 - $15,000
29/01/2026Ro Khannasale$1,001 - $15,000

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 02/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
NYSE
IPO: 17/03/1980
ISIN code
US0010551028
Workforce
12,694
full-time employees
Chief executive
Daniel Paul Amos
Next earnings
04/11/2026

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about Aflac Incorporated

What is the Aflac Incorporated share price?

Latest recorded price: 123.89 USD on 30/10/2026, for a market cap of 62.1 bn USD.

What is the revenue of Aflac Incorporated?

17.4 bn USD for fiscal year 2025, with net income of 3.6 bn USD (net margin 20.9 %).

Does Aflac Incorporated pay a dividend?

Yes. Latest dividend: 0.610 USD per share, ex-dividend on 19/08/2026. Over 12 months: 2.41 USD. Yield on the latest known price: 2.0 %.

When does Aflac Incorporated report its next earnings?

The next release is expected on 04/11/2026. EPS expected by analysts: 1.80.

What do analysts say about Aflac Incorporated?

Out of 32 analysts: 9 buy or strong buy, 18 hold, 5 sell or strong sell. Average price target: 122.33 USD, i.e. -1.3 % from the share price.

What is the P/E ratio of Aflac Incorporated?

Trailing 12-month P/E of 16.3, against 17.8 for the sector median on the same exchange (10-year median: 18.3).

Is Aflac Incorporated stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US0010551028).

How many employees does Aflac Incorporated have?

12,694 full-time employees according to the latest published profile.

Who runs Aflac Incorporated?

Daniel Paul Amos is the company's chief executive.

Which large funds own Aflac Incorporated?

As of 2026Q2, among the large funds tracked: Vanguard Group, State Street, BlackRock, Geode Capital Management, Morgan Stanley.

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