Stock Analysis
Aflac Inc.AFL
P/E 12.37×· 5Y range 6.07–24.80×· 78th percentile of history
Sector: Financial Services · Industry: Accident & Health Insurance
AnalystsSell24 analystsP/E 12.4× sits at the 78th percentile of its 5.089664613278576-year history.
Cash covers 45% of debt · Q3 2024.
PMP Verdict
Weak fundamentals, expensive
Strengths
- Profitability90
Risks
- Valuation45
- Growth6
Weak fundamentals at a demanding price.
Bull Case
- ✓ROE 16.5% — efficient capital deployment
- ✓Interest coverage 43.2× — debt well covered
What's happening with AFL
Profile
Strong profitability; growth, financial health, earnings quality and valuation lag behind.
How is each axis scored?
- Valuation45/100 · Weak
- P/E vs own history (78th pct)5/25
- FCF yield (n/a)10/25
- P/S (3.3x)20/25
- EV/EBIT (n/a)10/25
- Growth6/100 · Weak
- Revenue CAGR (-6.1%)0/25
- Net income CAGR (-4.2%)0/25
- EPS CAGR 5Y (1.6%)6/25
- Fwd implied growth (-20.2%)0/25
- Profitability90/100 · Strong
- ROIC (20.1%)20/25
- ROE (16.5%)20/25
- Net margin (26.9%)25/25
- Operating margin (32.7%)25/25
- Financial Health28/100 · Weak
- Altman Z (1.38)3/25
- Current ratio (0.11)0/25
- Interest coverage (43.2x)25/25
- Net cash / debt (n/a)0/25
- Quality37/100 · Weak
- Piotroski F (3/9)5/25
- Beneish M (-2.48)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 9.0%)12/25
- Moat50/100 · Moderate
- ROIC >12% years (5/5 yrs)25/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 11.8%)25/25
Risk Flags
- ⚠Altman Z 1.4 — distress-zone balance sheet
- ⚠Revenue shrinking 6.1%/yr
About Aflac Inc.
Aflac Inc offers supplemental health insurance and life insurance in the United States and Japan. Show more
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.
Headquarters: COLUMBUS, GA · Employees: 12,716 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
45D+P/E (TTM)12.4xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 6.1x–24.8x · 78th pct
P/FCF22.5xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield4.5%C
Grade C: LowInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)3.33xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.5x–3.8x · 82nd pct
EV/EBITDA10.3xA
Grade A: CheapEnterprise value / EBITDA (Finnhub) — capital-structure neutral — vs own 5Y history: 11.0x–12.7x · 9th pct
EV/Sales3.4xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E15.5xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.04xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.40B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.01%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio24.6%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
90A+ROIC20.1%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE16.5%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA4.1%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin26.9%A
Grade A: HighNet Income / Revenue
Operating Margin32.7%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
6ERevenue CAGR-6.1%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-4.2%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)1.6%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-20.2%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-27.0%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
28EAltman Z-Score1.38D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.11xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.11xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage43.2xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.29xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
37DPiotroski F-Score3/9D
Grade D: WeakFinancial strength 0–9. >7 Strong
Beneish M-Score-2.48A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability9.0%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.15xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Japan Post Holdings Co., Ltd. Filed | Japan Post Holdings Co., Ltd. | SellOpen market sale | -732 | |
Japan Post Holdings Co., Ltd. Filed | Japan Post Holdings Co., Ltd. | SellOpen market sale | -11468 | |
Japan Post Holdings Co., Ltd. Filed | Japan Post Holdings Co., Ltd. | SellOpen market sale | -40 | |
Japan Post Holdings Co., Ltd. Filed | Japan Post Holdings Co., Ltd. | SellOpen market sale | -11960 | |
Japan Post Holdings Co., Ltd. Filed | Japan Post Holdings Co., Ltd. | SellOpen market sale | -400 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Japan Post Holdings Co., Ltd. Filed | Japan Post Holdings Co., Ltd. | SellOpen market sale | -8393 | |
Japan Post Holdings Co., Ltd. Filed | Japan Post Holdings Co., Ltd. | SellOpen market sale | -950 | |
Japan Post Holdings Co., Ltd. Filed | Japan Post Holdings Co., Ltd. | SellOpen market sale | -3257 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
50CROIC >12% Years5/5 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor11.8%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$9.70
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$9.37
Cash & short-term investments per share (Finnhub)
Book Value / Share$60.35
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.$6.25B
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$29.49B
Shareholders' equity (book value)
Asset / Liability1.34xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$60.15B
Current Market Capitalization
Beta0.57B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Aflac Inc. (AFL)
AFL is up 1.63% at the last close. Aflac Inc. meets only 3 of 9 Piotroski F-Score criteria — a sign of weak underlying fundamentals. Altman Z-Score of 1.38 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.48 suggests a low likelihood of earnings manipulation.
- Revenue has been contracting (CAGR ≈ -6%), which weighs on the growth outlook.
- The stock currently yields 2.0% in dividends.
See how AFL ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all AFL moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 8 | Regular | 114.97 | +1.98% | 2.60 |
| Oct 8 | After-hours | 114.94 | +1.95% | 2.57 |
Frequently Asked Questions about AFL
What is the current Aflac Inc. (AFL) stock price?
AFL is trading at $119.97 at the last market close, up 1.63% on the session. PreMarketPrice tracks AFL pre-market, intraday and after-hours prices.
Is AFL stock a buy right now?
PreMarketPrice's quantitative model rates Aflac Inc.'s financial health at 28/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is AFL stock overvalued?
Aflac Inc. trades at a trailing P/E of 12.4 and our valuation score rates it 45/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Aflac Inc. report earnings?
No confirmed earnings date is currently scheduled for AFL. The Earnings section lists recent reports and updates as dates are announced.
What sector does Aflac Inc. operate in?
Aflac Inc. operates in the Financial Services sector, within the Accident & Health Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Aflac Inc. do?
Aflac Inc offers supplemental health insurance and life insurance in the United States and Japan.
About Aflac Inc. (AFL) Stock
Aflac Inc. (AFL) is a US-listed stock operating in the Financial Services sector, specifically the Accident & Health Insurance industry. As of the latest update, Aflac Inc. is trading at $119.97, up 1.63% on the day with a market capitalization of $60.1 billion. The financial health score for AFL is 28/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for AFL stock.
AFL Stock Analysis & Key Metrics
On PreMarketPrice, you can track Aflac Inc. (AFL) across multiple dimensions:
- Pre-market price & movement: Real-time AFL stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for AFL with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Aflac Inc. across multiple reporting periods.
- Financial health score: A composite score of 28/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for AFL.
- Sector peers: Compare AFL against 6 other financial services stocks on key financial metrics.
Is AFL a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Aflac Inc. (AFL) as an investment. The financial health score of 28/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Aflac Inc. (AFL) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.