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AFL Stock Chart & Stats
$116.18
$1.26(1.01%)
At close: 4:00 PM EDT
$116.18
$1.26(1.01%)
Day’s Range― - ―
52-Week Range$105.43 - $130.22
Previous CloseN/A
Volume1.52M
Average Volume (3M)2.07M
Market Cap
$55.92B
Enterprise Value$68.01B
Total Cash (Recent Filing)$93.65B
Total Debt (Recent Filing)$8.73B
Price to Earnings (P/E)12.1
Beta0.40
Next Earnings
Nov 04, 2026EPS Estimate
1.79Next Dividend Ex-DateN/A
Dividend Yield2.14%
Share Statistics
EPS (TTM)9.32
Shares Outstanding501,343,300
10 Day Avg. Volume1,717,851
30 Day Avg. Volume2,065,925
Financial Highlights & Ratios
PEG Ratio-0.55
Price to Book (P/B)1.98
Price to Sales (P/S)3.35
P/FCF Ratio22.88
Enterprise Value/Market Cap1.22
Enterprise Value/Revenue3.76
Enterprise Value/Gross Profit6.97
Enterprise Value/Ebitda9.85
Forecast
1Y Price Target
$116.91Price Target Upside0.63% Upside
Rating ConsensusHold
Number of Analyst Covering12
EPS Forecast (FY)7.01
Revenue Forecast (FY)$16.73B
Bulls Say, Bears Say
Bulls Say
Strong Profitability And Conservative Balance SheetAflac combines high profitability with conservative capitalization, including zero reported TTM debt, rising equity, and a healthy return on equity. This financial foundation supports resilience through claims volatility, preserves flexibility for investment and capital returns, and strengthens the durability of its insurance franchise.
Cash Generation Supports Earnings QualityFree cash flow matching net income indicates that reported earnings are supported by cash rather than relying primarily on accounting gains. Strong ongoing cash generation gives Aflac capacity to fund claims, maintain capital strength, invest in operations, and continue shareholder distributions over the coming quarters.
Product Momentum And Policy PersistencyGrowth in newly launched Japanese products, combined with 92.7% policy persistency, supports recurring premium streams and broadens customer relationships. Tsumitasu’s cross-selling role may improve product depth, while retention helps spread acquisition costs and reinforce the value of Aflac’s distribution platform.
Bears Say
Weak And Volatile Top-line GrowthThe sharp TTM revenue contraction, following a prior-year decline, raises concern about the durability of premium and investment-related growth despite strong margins. Persistent top-line weakness could constrain operating leverage, reduce reinvestment capacity, and make future earnings more dependent on underwriting or portfolio factors.
Higher U.S. Claims PressureA materially higher U.S. benefit ratio indicates claims are consuming more premium revenue, creating pressure on underwriting profitability. If elevated group disability claims persist, they could require pricing or reserve adjustments, weigh on pretax margins, and offset otherwise solid expense discipline in the core U.S. segment.
Japan Product Lapse And Reissue RiskHigher lapse and reissue activity on new Japanese products can weaken persistency economics and reduce expected reserve-release benefits. It also complicates claims and profitability trends, making the contribution of recent launches less predictable and potentially increasing pressure on Japan’s benefit ratio over the next several months.
AFLAC News
AFL FAQ
What was AFLAC’s price range in the past 12 months?
AFLAC lowest stock price was $105.43 and its highest was $130.22 in the past 12 months.
What is AFLAC’s market cap?
AFLAC’s market cap is $55.92B.
When is AFLAC’s upcoming earnings report date?
AFLAC’s upcoming earnings report date is Nov 04, 2026 which is in 29 days.
How were AFLAC’s earnings last quarter?
AFLAC released its earnings results on Aug 06, 2026. The company reported $1.75 earnings per share for the quarter, missing the consensus estimate of $1.764 by -$0.014.
Is AFLAC overvalued?
According to Wall Street analysts AFLAC’s price is currently Undervalued.
Does AFLAC pay dividends?
AFLAC pays a Quarterly dividend of $0.61 which represents an annual dividend yield of 2.14%. See more information on AFLAC dividends here
What is AFLAC’s EPS estimate?
AFLAC’s EPS estimate is 1.79.
How many shares outstanding does AFLAC have?
AFLAC has 501,343,300 shares outstanding.
What happened to AFLAC’s price movement after its last earnings report?
AFLAC reported an EPS of $1.75 in its last earnings report, missing expectations of $1.764. Following the earnings report the stock price went down -1.619%.
Which hedge fund is a major shareholder of AFLAC?
Currently, no hedge funds are holding shares in AFL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
AFLAC Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$116.91 (0.63% Upside)
$116.91 (0.63% Upside)
Blogger Sentiment
Neutral
AFL Sentiment 75%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Increased
By 466.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $50.0M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 0.4%
Last 30 Days ▼ 0.9%
Last 30 Days ▼ 0.9%
News Sentiment
Bullish
Bullish news 80%
Bearish news 20%
Bearish news 20%
Technicals
SMA
Positive
20 days / 200 days
Momentum
2.95%
12-Months-Change
Fundamentals
Return on Equity
2.14%
Trailing 12-Months
Asset Growth
-7.27%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
AFLAC
Aflac Incorporated, operating through its various subsidiary companies, focuses on delivering supplementary health and life insurance policies. The firm's business activities are structured into two primary divisions: Aflac Japan and Aflac U.S. In Japan, the company offers a diverse range of insurance products, including coverage for cancer, medical expenses, income support for nursing care, and the distinct GIFT plan. This segment also provides traditional whole and term life insurance, along with savings-oriented plans like WAYS and child endowment products. Meanwhile, the Aflac U.S. division caters to the American market, furnishing policies that address cancer, accidents, short-term disability, critical illness, and hospital stays. Additionally, it provides dental, vision, long-term care, disability, and both term and whole life insurance options. Aflac distributes its comprehensive suite of products through multiple channels, which include dedicated sales associates, independent brokers, various corporate and individual agencies, and affiliated agencies. Established in 1955, the company maintains its corporate headquarters in Columbus, Georgia.
AFL Company Deck
AFL Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a generally positive tone: management highlighted solid capital ratios, strong shareholder returns, active investment portfolio repositioning expected to boost recurring income, and product momentum in both Japan (Tsumitasu, Anshin Palette) and U.S. group/dental & vision channels. Offsetting issues were modest — near-term sales comparisons in Japan versus a strong 2025 quarter, a small decline in adjusted book value per share, some investment income shortfalls, elevated lapse/reissue activity on new Japan products and higher U.S. group disability claims. Management maintained constructive outlooks for capital deployment, reserve/reinsurance actions and premium growth (2025–2027 net earned premium CAGR guidance of 3%–6%), suggesting that positives outweigh the contained challenges.View all AFL earnings summariesAFL Revenue Breakdown
54.52% Aflac Japan
40.22% Aflac U.S.
7.44% Corporate and other
-3.33% Net investment
0.26% Amortized hedge costs
-0.57% Amortized hedge income
1.47% Net interest (income) expense from derivatives associated with certain investment strategies
AFL Stock 12 Month Forecast
Average Price Target
$116.91
▲(0.63% Upside)
Technical Analysis
Ownership Overview
10.76% Insiders
13.28% Mutual Funds
0.02% Other Institutional Investors
51.02% Public Companies and Individual Investors