AFL
Aflac
$116.55
▲ 0.9%Updated Today 6:01 PM ET
▲ Up 12.5% over the last 12 months
Market Cap
$58.77B
P/E
12.68x
Forward P/E (est.)
9.22x
ROE
16.1%
Revenue Growth
7.2%
EPS Growth
37.5%
Profit Margin
25.6%
FCF Yield
—
Debt / Equity
0.28x
ROIC
11.0%
Interest Coverage
21.32x
Current Ratio
—
Dividend Yield
2.1%
Implied Growth (rev. DCF)
—
Rating Score
74/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what AFL's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. AFL trades near $116.55, above its 50-day average ($115.05) and 200-day average ($111.40). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 61 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. AFL's is $2.35 (~2.0% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month AFL found buyers near $110.54 (support) and sellers near $118.83 (resistance); its 52-week range is $96.95–$119.81. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.2× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Aflac (AFL) is a large-cap company in the Life & Health Insurance industry, part of the Financials sector of the S&P 500, with a market value around $58.77B.
In its latest reported year it generated about $17.16B in revenue and $3.65B in net profit.
Our model rates AFL Strong (74/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
-5.5%
Revenue moved from $21.55B in 2021 to $17.16B in 2025, a -5.5% compound annual growth rate. The most recent year grew a steady 7.2% year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
32.3%
Net Margin
21.2%
ROE
16.1%
Aflac keeps about 25.6% of each sales dollar as net profit. Return on equity is 16.1% and return on invested capital about 11.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
—
Net Debt
—
Net Debt / EBITDA
—
Debt / Equity
0.28x
Leverage: debt-to-equity is 0.3x, and operating profit covers interest about 21.3x. That is a conservative balance sheet — a cushion in downturns.
Operating CF
$2.56B
Free Cash Flow
$2.56B
FCF Margin
14.9%
In the latest year Aflac produced about $2.56B of operating cash flow and $2.56B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
12.68x
P/S
3.48x
P/B
1.93x
EV / EBITDA
12.9x
AFL trades at 12.7x trailing earnings (about 9.2x on estimated forward earnings), 3.5x sales, and 1.9x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How AFL stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), AFL ranks #11 of 76 by our overall rating. It trades at a discount versus the sector on earnings (12.7x P/E vs. 15.2x median) with a higher return on equity (16.1% vs. 15.3%) and slower revenue growth (7.2% vs. 9.1%).
P/E vs sector
12.7x
median 15.2x
ROE vs sector
16.1%
median 15.3%
Growth vs sector
7.2%
median 9.1%
Sector rank
#11
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$79.46 – $129.12
vs. $116.55 today · expected CAGR -7% – 2%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $18.37B | $19.65B | $21.03B | $22.50B | $24.07B |
| Net income | $3.86B | $4.13B | $4.42B | $4.72B | $5.06B |
| EPS | $7.58 | $8.11 | $8.68 | $9.28 | $9.93 |
| Share price (low) | $60.62 | $64.86 | $69.40 | $74.26 | $79.46 |
| Share price (high) | $98.51 | $105.40 | $112.78 | $120.67 | $129.12 |
| CAGR (low–high) | -48% / -15% | -25% / -5% | -16% / -1% | -11% / 1% | -7% / 2% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for AFL:
- High net margins (25.6%) point to pricing power or efficiency.
- Strong return on equity (16.1%) shows capital is put to work well.
- A conservative balance sheet (debt/equity 0.3x) lowers risk.
- Pays a 2.1% dividend on top of any price gains.
- Our model's overall read is Strong (74/100).
The case against AFL:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Aflac is a large-cap financials business growing at a mature pace, with solid profitability, and a sound balance sheet. It trades at 12.7x earnings, which our model scores Strong (74/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.