AFLAC stock analysis
AFLAC (0H68) Share Price & Analysis
0H68 Stock Chart & Stats
- Day’s Range
- $125.55 - $131.19
- 52-Week Range
- $104.30 - $131.48
- Previous Close
- $126.70
- Volume
- N/A
- Average Volume (3M)
- 1,311
- Market Cap
- $62.87B
- Enterprise Value
- $64.64B
- Total Cash (Recent Filing)
- $83.52B
- Total Debt (Recent Filing)
- $8.90B
- Price to Earnings (P/E)
- 18.6
- Beta
- 0.63
- Next Earnings
- Feb 03, 2027 (Est.)
- EPS Estimate
- 1.77
- Next Dividend Ex-Date
- Nov 18, 2026
- Dividend Yield
- 1.89%
Bulls Say, Bears Say
Bulls Say
U.S. Premium And Platform Growth
U.S. growth across group life, disability, consumer markets, dental, vision, and voluntary benefits demonstrates broadening distribution and product adoption. Rising premiums and persistency can support recurring revenue, while cross-selling across employer channels may strengthen customer retention and long-term economics.
Strong Capital And Balance-sheet Resilience
Controlled leverage, substantial liquidity, and strong regulatory capital provide a durable buffer against claims volatility, investment losses, and operating disruptions. This financial flexibility also supports continued investment, dividends, repurchases, and strategic reinsurance while preserving policyholder security.
Reinsurance Flexibility And Capital Release
The reinsurance program can improve the risk composition of Aflac Japan while releasing capital for redeployment and supporting group return on equity. Meaningful capacity below the internal limit gives management a structural tool to manage liabilities, liquidity, and capital efficiency over time.
Bears Say
Revenue And Earnings Trajectory Under Pressure
A weaker top line and earnings decline indicate that recent profitability has not translated into consistent growth. If revenue remains flat or contracts, operating leverage and reinvestment capacity may weaken, making it harder to sustain earnings expansion despite currently strong reported margins.
Japan Sales And Operating Pressure
Japan remains a major operating segment, so lower premiums and a sharply reduced margin can weigh on consolidated earnings quality. Elevated lapse and reissue activity, higher benefit and expense ratios, and recent cybersecurity-related costs add pressure to the durability of segment profitability.
Investment-income And Portfolio Sensitivity
Aflac relies materially on investment income from assets supporting insurance liabilities, making earnings sensitive to portfolio yields, credit outcomes, and valuation changes. Lower income and recent impairments can constrain profitability, while future repositioning may become harder as attractive opportunities diminish.
AFLAC News
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AFLAC Stock 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.
- Sector
- Financial
- Industry
- Insurance - Life
- CEO
- Daniel Paul Amos
- Employees
- 12,716
- Website
- www.aflac.com
- Address
- 1932 Wynnton Road, Columbus, GA, 31999-7251, US
AFLAC (0H68) Earnings & Revenues
0H68 Company Deck
0H68 Earnings Call
Earnings Call SentimentPositive
The call was broadly positive. Management reported solid adjusted earnings, strong capital and liquidity, favorable US growth, raised 2026 Japan and US profitability expectations, substantial shareholder returns, and additional reinsurance and investment opportunities. These strengths outweighed the quarterly Japan sales decline, lower adjusted book value, cybersecurity-related disruption and expenses, investment valuation charges, mixed investment income, and continued pressure in selected businesses.
View all GB:0H68 earnings summaries0H68 Net sales 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
0H68 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 5 | 2 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 12 | 0 | 0 |












