48/100B127.150
USD
0.67
(0.53%)
Market Open
Last updated: · Delayed 15 min
Fair value87.11Plus+46%72Price 127.15128
Q4 FY2026 · Earnings report
EPS estimate 1.78Revenue estimate 4.18B
Q4 FY2026 · Earnings report
EPS estimate 1.78Revenue estimate 4.18B
If you had invested in Aflac ago, it would be worth $4,391 today, against $4,096 in SPY and $6,368 in QQQ.
Arincen ScoreWhat is the Arincen Score? The Arincen Score grades a company out of 100 from 30 checks on its own reported figures, five checks in each of six parts.Beta
48/100
Six parts of the company, five checks each, from its own reported figures. A part scores the checks it passes out of 10; the score is their average out of 100.
Profitability6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Cash6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Valuation6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Growth2
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Financial strength2.5
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Shareholders6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Figures to FY2025; the price as of today.
Aflac key facts
- StyleWhat does a stock's style mean? The style label sorts a stock as growth, value, dividend, blend or speculative, with a 1 to 10 meter showing how strongly it fits.
- Dividend stock · 5.8/10Growth 1.0 · Value 3.0 · Dividend 5.8
- Day range
- 126.830 – 127.880
- 52-week range
- 105.760 – 131.190
- Market capitalizationWhat is market capitalization? Market cap is what the stock market values a whole company at: its share price times the number of its shares outstanding.
- 62.89B USD
- P/EWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 18.59
- PEG ratioWhat is the PEG ratio? The PEG ratio divides the P/E by the yearly earnings growth analysts expect, to show how much you pay for each point of growth.
- 3.05
- EPSWhat is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period.
- 6.84
- Div YieldWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 1.92%
- EPS growth forecast (FY2026)
- +0.5%
- Volume
- 8,164
- BetaWhat is beta in stocks? Beta measures how much a stock tends to move when the whole market moves: 1 moves with it, under 1 is calmer, over 1 swings more.
- 0.58
- ESG scoreWhat is an ESG score? An ESG score rates how a company handles the environment, its people and its governance, out of 100. Higher is better.
- 61.9/100Environment 59 · Social 67 · Governance 60
- Sector
- Financial Services
- Industry
- Insurance - Life
- CEO
- Daniel Paul Amos
- Employees
- 13K
- Website
- aflac.com
- IPO date
- 17 Mar 1980
Aflac earningsWhat is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
Next earnings · Q4 FY2026
EPS estimate
1.78 USD
Revenue estimate
4.18B USD
Last quarter · Q3 FY2026
EPS2.43Beat +35.0%Revenue3.27BMissed -20.6%
Revenue
ReportedEstimate
EPS
ReportedEstimate
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q3 FY2027 | 1.99 | — | — | -17.90% | 4.23B | — | — | +29.18% | |
| Q2 FY2027 | 1.98 | — | — | +12.88% | 4.24B | — | — | +2.90% | |
| Q1 FY2027 | 1.92 | — | — | +9.93% | 4.25B | — | — | -2.25% | |
| Q4 FY2026 | 1.78 | — | — | +13.38% | 4.18B | — | — | -14.17% | |
| Q3 FY2026 | 1.80 | 2.43 | +35.00% | -2.41% | 4.12B | 3.27B | -20.59% | -31.75% | |
| Q2 FY2026 | 1.76 | 1.75 | -0.57% | -1.69% | 4.14B | 4.12B | -0.61% | -2.39% | |
| Q1 FY2026 | 1.79 | 1.75 | -2.23% | +5.42% | 4.20B | 4.35B | +3.41% | +25.86% | |
| Q4 FY2025 | 1.69 | 1.57 | -7.10% | +0.64% | 4.25B | 4.87B | +14.49% | -11.50% | |
| Q3 FY2025 | 1.77 | 2.49 | +40.68% | +15.28% | 4.37B | 4.79B | +9.79% | +57.92% | |
| Q2 FY2025 | 1.70 | 1.78 | +4.71% | -2.73% | 4.33B | 4.22B | -2.58% | -18.21% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2028 | 8.16 | — | — | +5.28% | 17.22B | — | — | +1.27% |
| FY2027 | 7.75 | — | — | +2.84% | 17.00B | — | — | +0.80% |
| FY2026 | 7.53 | — | — | +0.46% | 16.86B | — | — | -2.68% |
| FY2025 | 7.62 | 7.50 | -1.53% | +4.02% | 17.66B | 17.33B | -1.88% | -9.40% |
| FY2024 | 7.27 | 7.21 | -0.86% | +15.92% | 17.30B | 19.13B | +10.58% | +1.24% |
| FY2023 | 6.35 | 6.22 | -2.08% | +15.19% | 17.94B | 18.89B | +5.29% | -1.67% |
| FY2022 | 5.25 | 5.40 | +2.90% | -8.94% | 18.98B | 19.21B | +1.22% | -12.49% |
Analysts' estimates for FY2026 over the last 7 days:EPS Revenue How the estimates moved
Aflac analyst forecastWhat is the analyst rating? The analyst rating sums up what the analysts covering a stock recommend, from strong buy to strong sell, by the share of them rating it a buy.
12-month price target
122.33 USD
-3.79%
Analysts' 1-year price targets range from 108.00 to 138.00, with an average of 122.33.
Past year
1-year forecast
Strong sellStrong buy
Hold
12 ratings
| Buy | 2 | |
| Hold | 7 | |
| Sell | 3 |
12-month price target
| Highest target | 138.00 |
| Average target | 122.33 |
| Lowest target | 108.00 |
| Current price | 127.15 |
Aflac valuationWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- Price to earnings ratio (TTM)What is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 18.59
- Forward P/E (FY2026)What is the forward P/E ratio? Forward P/E divides a share's price by the earnings per share analysts expect in the coming year, rather than last year's actual earnings.
- 16.88
- Price to sales (TTM)What is the P/S ratio? The price-to-sales ratio compares a company's market value with its revenue over the last year: what you pay for each dollar of sales.
- 3.80
- Price to bookWhat is the P/B ratio? The price-to-book ratio compares a company's market value with its book value, the shareholders' equity on its balance sheet.
- 2.15
- EV / EBITDA (TTM)What is EV/EBITDA? EV/EBITDA compares a company's whole value, debt included and cash taken off, with a year of its earnings before interest, tax and depreciation.
- -2.36
Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.
Market capitalization
62.89B USD
+
Total debt
8.90B USD
−
Cash and short-term investments
83.52B USD
=
Enterprise value
-11.73B USD
Valuation over time
P/EForward P/EForward P/E · EstimateEstimate
Aflac against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: MetLife, Prudential Financial, Globe Life, Unum Group, Voya Financial, and Primerica, the US Insurance - Life companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- P/E (today)Highest in 5 years18.68.118.6
- Gross marginBelow its median38.9%35.6%100.0%Against its peers: 3 of 7Peers' median 37.3%
- Operating marginAt its median26.6%24.2%33.5%Against its peers: 2 of 7Peers' median 7.4%
- Net marginBelow its median20.9%19.6%28.5%Against its peers: 2 of 7Peers' median 7.3%
- Return on equityLowest in 5 years12.4%12.4%21.9%Against its peers: 4 of 7Peers' median 12.6%
- Free cash flow marginBelow its median14.7%14.2%23.4%Against its peers: 5 of 7Peers' median 19.0%
- Revenue growthBelow its median-8.8%-11.1%1.5%Against its peers: 6 of 7Peers' median 2.9%
- EPS growthLowest in 5 years-29.1%-29.1%23.8%Against its peers: 6 of 7Peers' median 10.1%
- Debt to EBITDAAt its median1.51×1.17×1.53×Against its peers: 1 of 7Peers' median 3.10×
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
Aflac growth and profitabilityWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 16.57B USD
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 3.53B USD
- Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- 57.22%
- Operating margin
- 26.09%
- Net margin
- 21.29%
Revenue / Net income
Revenue Net income Net margin
Aflac revenue breakdown
By product
FY2025
53.4%Aflac Japan39.4%Aflac US7.3%Other Segments
| Segment | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| Aflac Japan | 9.36B | 53.4% | -3.1% |
| Aflac US | 6.90B | 39.4% | +2.4% |
| Other Segments | 1.28B | 7.3% | +26.8% |
By region
FY2025
57.5%Aflac Japan42.5%Aflac US
| Region | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| Aflac Japan | 9.36B | 57.5% | — |
| Aflac US | 6.90B | 42.5% | — |
How Aflac makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
Aflac Japan9.36B 53.7%
Aflac US6.90B 39.6%
Other Segments1.28B 7.3%
Revenue17.44B 100.0%
Cost of revenue10.65B 61.1%
Gross profit6.79B 38.9%
Selling and administration2.70B 15.5%
Operating income4.64B 26.6%
Tax887.00M 5.1%
Other expense108.00M 0.6%
Net income3.65B 20.9%
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
Aflac dividendsWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- Annual dividend
- 2.44 USD
- Dividend yield (indicated)What is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 1.92%
- Payout ratioWhat is the payout ratio? The payout ratio is the share of a company's earnings paid out as dividends: dividends per share divided by earnings per share (EPS).
- 44.15%
- Years of dividend growthWhat are years of dividend growth? The years in a row a company has raised its dividend per share. 25 years make an S&P 500 company a Dividend Aristocrat; 50 make a Dividend King.
- 42
- Frequency
- Quarterly
- Next payment
- 0.61 USD
- Next ex-dividend dateWhat is the ex-dividend date? The ex-dividend date is the first day a stock trades without its next dividend: buy before it to receive the payment; buy on or after it and the seller gets it.
- 18 Nov 2026
- Next payment date
- 1 Dec 2026
Dividends per share
Aflac financial health
- Cash and short-term investments
- 83.52B USD
- Total debt
- 8.90B USD
- Net cash
- 74.62B USD
- Free cash flow (TTM)What is free cash flow (FCF)? Free cash flow is the cash a company's operations bring in minus what it spends on long-term assets (capex): cash left for debt, dividends and buybacks.
- 2.59B USD
- Debt to equityWhat is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
- 0.30
- Piotroski scoreWhat is the Piotroski F-Score? The Piotroski F-Score rates a company's financial strength from 0 to 9: one point for each of nine tests of profit, debt and efficiency it passes.
- 5 / 9
- Altman Z-scoreWhat is the Altman Z-Score? The Altman Z-Score rolls five financial ratios into one number that signals a company's risk of bankruptcy: over 3 is safe, under 1.8 is distress.
- 2.42
Cash, debt and free cash flow
Cash and short-term investments Total debt Free cash flow
Aflac ownershipWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- InstitutionsWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- 67.68%
- Institutional holders
- 1,760 (+28)
- Free floatWhat is free float? Free float is the part of a company's shares that anyone can buy and sell: all its shares minus those held by insiders, founders and owners of over 5%.
- 99.12%
Who owns the shares
Institutions 67.7% Others 32.3%
As of 30 Jun 2026
Shares free to trade
Free float 490.28M shares ·99.1% Closely held 4.33M shares ·0.9%
Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.
Insider trading
| Quarter | Purchases | Sales | Shares acquired | Shares disposed of |
|---|---|---|---|---|
| Q4 2026 | 0 | 22 | 0.00 | 197.35K |
| Q3 2026 | 0 | 66 | 3.20K | 470.61K |
| Q2 2026 | 0 | 86 | 45.10K | 1.13M |
| Q1 2026 | 0 | 49 | 488.04K | 614.72K |
Shares outstanding
Basic shares Diluted shares Change in diluted shares
Source: Financial Modeling Prep
Title: Aflac
Sector: Financial Services
Industry: Insurance - Life
Aflac Inc offers supplemental health insurance and life insurance in the United States and Japan. In addition to its cancer policies, the company has broadened its product offerings to include accident, dental and vision, disability, and long-term-care insurance. It markets its products through independent distributors, selling the majority of its policies directly to consumers at their places of work, and also reaches out to its customers outside of their worksite through digital mediums. The company has two reportable business segments: Aflac Japan, which generates the maximum revenue, and Aflac U.S.