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Financial Services - Insurance - Life - NYSE - US
$ 100.0
-1.94 %
$ 54.6 B
Market Cap
10.38
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AFL stock under the worst case scenario is HIDDEN Compared to the current market price of 100 USD, Aflac Incorporated is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AFL stock under the base case scenario is HIDDEN Compared to the current market price of 100 USD, Aflac Incorporated is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AFL stock under the best case scenario is HIDDEN Compared to the current market price of 100 USD, Aflac Incorporated is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart AFL

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$114.0$114.0$112.0$112.0$110.0$110.0$108.0$108.0$106.0$106.0$104.0$104.0$102.0$102.0$100.0$100.0$98.0$98.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
19.1 B REVENUE
1.52%
6.42 B OPERATING INCOME
21.95%
5.44 B NET INCOME
16.83%
2.71 B OPERATING CASH FLOW
-15.14%
2.78 B INVESTING CASH FLOW
240.39%
-3.49 B FINANCING CASH FLOW
6.37%
5.5 B REVENUE
81.15%
2.14 B OPERATING INCOME
2220.65%
1.9 B NET INCOME
2145.16%
333 M OPERATING CASH FLOW
-73.78%
1.52 B INVESTING CASH FLOW
247.28%
-1.08 B FINANCING CASH FLOW
-31.23%
Balance Sheet Aflac Incorporated
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Current Assets 4.02 B
Cash & Short-Term Investments 4.02 B
Receivables 779 M
Other Current Assets -779 M
Non-Current Assets 111 B
Long-Term Investments 0
PP&E 387 M
Other Non-Current Assets 110 B
3.51 %96.15 %Total Assets$114.6b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 91.5 B
Long-Term Debt 7.42 B
Other Non-Current Liabilities 84 B
8.11 %91.89 %Total Liabilities$91.5b
EFFICIENCY
Earnings Waterfall Aflac Incorporated
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Revenue 19.1 B
Cost Of Revenue 0
Gross Profit 19.1 B
Operating Expenses 12.7 B
Operating Income 6.42 B
Other Expenses 974 M
Net Income 5.44 B
20b20b18b18b16b16b14b14b12b12b10b10b8b8b6b6b4b4b2b2b0019b019b(13b)6b(974m)5bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
33.55% OPERATING MARGIN
33.55%
28.46% NET MARGIN
28.46%
20.86% ROE
20.86%
4.63% ROA
4.63%
4.75% ROIC
4.75%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Aflac Incorporated
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7b7b6b6b5b5b4b4b3b3b2b2b1b1b0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 5.44 B
Depreciation & Amortization 0
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital -644 M
Others -2.79 B
Free Cash Flow 2.71 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Aflac Incorporated
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Wall Street analysts predict an average 1-year price target for AFL of $102 , with forecasts ranging from a low of $84 to a high of $122 .
AFL Lowest Price Target Wall Street Target
84 USD -16.00%
AFL Average Price Target Wall Street Target
102 USD 2.50%
AFL Highest Price Target Wall Street Target
122 USD 22.00%
Price
Max Price Target
Min Price Target
Average Price Target
1251251201201151151101101051051001009595909085858080May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.46% DIVIDEND YIELD
0.58 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.5002.5002.0002.0001.5001.5001.0001.0000.5000.5000.0000.0000.1950.2050.2150.260.270.280.330.40.420.50.580.1950.2050.2150.260.270.280.330.40.420.50.1950.2050.2150.260.270.280.330.40.420.50.2050.790.2150.830.2250.870.261.040.271.080.281.120.331.320.41.600.421.680.52.000.582015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Aflac Incorporated
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Sold
0-3 MONTHS
8.16 M USD 3
3-6 MONTHS
2.62 M USD 2
6-9 MONTHS
258 K USD 2
9-12 MONTHS
2.01 M USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
These 2 Finance Stocks Could Beat Earnings: Why They Should Be on Your Radar The Zacks Earnings ESP is a great way to find potential earnings surprises. Why investors should take advantage now. zacks.com - 6 days ago
Aflac Incorporated to Release First Quarter Results and CFO Video Update on April 30, 2025 and Host Webcast on May 1, 2025 COLUMBUS, Ga. , April 3, 2025 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) announced today that it will release first quarter 2025 financial results after the market closes on April 30, 2025. prnewswire.com - 6 days ago
Want Decades of Passive Income? 3 Reliable Dividend Stocks to Buy Right Now Investing in the stock market is a great way to build long-term, sustainable wealth. Dividend-paying stocks can be solid investments because these companies exhibit strong business models. fool.com - 2 weeks ago
5 Stocks to Watch From Prospering Accident & Health Insurance Industry Lower claims frequency, moderate pricing and the adoption of technology are likely to boost the performance of Zacks Accident and Health Insurance industry players like AFL, UNM, TRUP, EIG and AMSF. zacks.com - 3 weeks ago
Dividend Kings Of The Future Continued A list of 8 companies that are projected to reach Dividend King status in the future. These companies offer various dividend yields ranging from 0.80% to nearly 4.5%. The average 10-year dividend growth rate for these 8 companies is 8.6%, well above typical inflation. seekingalpha.com - 3 weeks ago
TOGETHXR and Aflac Put More Ducks in a Row for Women's Sports Continued partnership launches Raise the Bar campaign for equal basketball tournament tune-ins from March 17-April 6 TOGETHXR.com  published a digital map featuring bars where everyone can watch women's sports LOS ANGELES and COLUMBUS, Ga. , March 18, 2025 /PRNewswire/ -- As the originator of the Everyone Watches Women's Sports™ mantra, trailblazing media and commerce company TOGETHXR is once again teaming up with Aflac – the leading provider of supplemental health insurance in the U.S.1 – to increase women's sports viewership during the height of the women's college basketball season. prnewswire.com - 3 weeks ago
Aflac is a World's Most Ethical Company for 19th year in a row Only insurance company in the world to be on this list since its inception in 2007 COLUMBUS, Ga. , March 11, 2025 /PRNewswire/ -- Aflac Incorporated, a leading provider of health supplemental insurance in the U.S. and the leading provider of cancer and medical insurance in terms of policies in force in Japan, was once again named by Ethisphere as one of the World's Most Ethical Companies, marking 2025 as the 19th consecutive year on this esteemed list. prnewswire.com - 4 weeks ago
The Dividend Aristocrats Ranked By Quality Scores: March 2025 S&P Dow Jones Indices added three new members to the S&P 500 Dividend Aristocrats Index, expanding it to 69 companies. I rank Dividend Aristocrats by quality scores, presenting undervalued and overvalued stocks with detailed metrics and fair value estimates. My quality scoring system uses six indicators, each worth 5 points, for a maximum score of 30, categorizing stocks from Exceptional to Inferior. seekingalpha.com - 1 month ago
2 Attractively Priced, High Yield Stocks For Income Durability As The Market Hits New Highs Hyperinflation and high interest rates make dividend-paying stocks attractive, providing cash flow and alleviating inflation pressure. Pfizer's 6% yield is appealing despite recent stock declines, with a low forward multiple and management's commitment to maintaining dividends. Cost savings and Haleon share sales should support Pfizer's dividend yield, with free cash flow expected to improve next year. seekingalpha.com - 1 month ago
My Best Dividend Aristocrats For March 2025 The ProShares S&P 500 Dividend Aristocrat ETF kicks off 2025 on a bright note with a gain of 2.81% in January. I present 3 strategies that can theoretically beat the dividend aristocrat index in the long term. After 43 months of tracking these strategies, one strategy is generating a CAGR superior to NOBL. seekingalpha.com - 1 month ago
Aflac hires 30-year industry leader Michael Fradkin to lead its Dental and Vision business COLUMBUS, Ga. , Feb. 27, 2025 /PRNewswire/ -- Aflac, the leading provider of supplemental health insurance in the U.S.,1 today announced the hiring of Michael Fradkin as senior vice president, Aflac Dental and Vision, a business unit that is a key component of the company's offering. prnewswire.com - 1 month ago
Aflac and the American Cancer Society Team Up to encourage proactive health care and early detection Teams to focus on preventive wellness by addressing physical, emotional and financial toxicity related to a cancer diagnosis COLUMBUS, Ga. , Feb. 25, 2025 /PRNewswire/ -- Aflac Incorporated (Aflac), the leading provider of cancer insurance in the United States and Japan, is teaming up with the American Cancer Society (ACS), the leading cancer-fighting organization with a vision of ending cancer as we know it — for everyone. prnewswire.com - 1 month ago
8. Profile Summary

Aflac Incorporated AFL

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COUNTRY US
INDUSTRY Insurance - Life
MARKET CAP $ 54.6 B
Dividend Yield 0.46%
Description Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. The company was founded in 1955 and is based in Columbus, Georgia.
Contact 1932 Wynnton Road, Columbus, GA, 31999 https://www.aflac.com
IPO Date March 17, 1980
Employees 12694
Officers Mr. Bradley L. Knox Senior Vice President & Counsel of Federal Relations Mr. Max Kristian Broden C.F.A. Senior EVice President & Chief Financial Officer Mr. Virgil Raynard Miller President Mr. Bradley Eugene Dyslin C.F.A. Executive Vice President, Global Chief Investment Officer & President of Aflac Global Investments Ms. Audrey Boone Tillman Esq. Senior EVice President, & General Counsel Mr. Frederic Jean Guy Simard F.S.A. Executive Vice President, Chief Financial Officer & Chief Operating Officer of Aflac U.S. Mr. Steven Kent Beaver Executive Vice President, Chief Financial Officer & Chief Risk Officer of Aflac Japan Mr. Daniel Paul Amos Chairman & Chief Executive Officer Mr. Timothy L. Callahan CISM, CISSP, CRISC Senior Vice President & Chief Information Security Officer Ms. Takeko Uemoto Senior Vice President & Enterprise Corporate Actuary