AFL Stock Chart & Stats
Currently, no data available
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Bulls Say, Bears Say
Bulls Say
High Profitability And MarginsSustained high TTM margins and mid-teens ROE indicate durable underwriting discipline and pricing power in supplemental insurance. Strong margins provide recurring earnings cushion versus claims variability and support reinvestment, dividends, and buybacks over the medium term.
Conservative Capital Position And Capital ReturnsRobust regulatory capital (ESR ~226%), combined RBC above 600% and adjusted leverage within target, underpins solvency and regulatory flexibility. The strong capital base enables consistent shareholder returns and strategic portfolio actions without impairing reserve adequacy or growth investments.
Product And Distribution Momentum With Strong PersistencyNew product traction in Japan and accelerating U.S. group/dental channels, plus high persistency (Japan 92.7%, U.S. 79.4%), support recurring premium streams and cross-sell potential. Durable distribution relationships and sticky policies help stabilize long-term premium revenue.
Bears Say
Weak Top-line MomentumA sharp TTM revenue decline signals deteriorating premium growth dynamics that could constrain long-term earnings leverage. Even with margin resilience, persistent top-line weakness complicates growth targets, increases reliance on investment income, and pressures future underwriting scale.
Weakening Free Cash Flow GrowthAlthough FCF equals reported net income today, sharply negative FCF growth implies deteriorating cash generation trends. Slowing FCF limits flexibility for buybacks, dividends, or reinvestment and raises sensitivity to adverse claims, investment returns, or capital actions over the medium term.
Cybersecurity Incident In Aflac JapanA confirmed breach affecting customer and bank data creates potential for regulatory enforcement, remediation costs, and reputational damage in Aflac's largest market. Persistent regulatory scrutiny and remediation can raise compliance costs and hinder distribution partnerships over several quarters.
AFLAC News
AFL FAQ
What was AFLAC’s price range in the past 12 months?
Currently, no data Available
What is AFLAC’s market cap?
AFLAC’s market cap is CHF47.34B.
When is AFLAC’s upcoming earnings report date?
AFLAC’s upcoming earnings report date is Nov 04, 2026 which is in 58 days.
How were AFLAC’s earnings last quarter?
AFLAC released its earnings results on Aug 06, 2026. The company reported CHF1.418 earnings per share for the quarter, missing the consensus estimate of CHF1.43 by -CHF0.011.
Is AFLAC overvalued?
According to Wall Street analysts AFLAC’s price is currently Undervalued.
Does AFLAC pay dividends?
AFLAC does not currently pay dividends.
What is AFLAC’s EPS estimate?
AFLAC’s EPS estimate is 1.46.
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 CHF1.418 in its last earnings report, missing expectations of CHF1.43. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of AFLAC?
Currently, no hedge funds are holding shares in CH: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
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10
Analyst Consensus
Hold
Average Price Target:
CHF93.54 (― Upside)
CHF93.54 (― Upside)
Blogger Sentiment
Neutral
CH:AFL Sentiment 73%
Sector Average 57%
Sector Average 57%
Insider Transactions
Sold Shares
Worth CHF56.8M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
10.23%
12-Months-Change
Fundamentals
Return on Equity
2.53%
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 CH: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
