Aflac
AFL | NYSE
$123.89
+$0.35 (+0.28%)
At close: Oct 30, 2026, 4:00 PM ET
$123.92
+$0.03 (+0.02%)
Pre-market:
Nov 2, 2026, 7:18 AM ET
Market Data
Market Cap $62.11B
Enterprise Value $-22.81B
Beta 0.56
Average Volume 1.96M
Shares Outstanding (Diluted) 505.58M
Shares Change YoY -6.1%
Institutional Ownership 67.68%
Exchange NYSE
ISIN US0010551028
Price Performance
Price Change 1M 10.8%
Price Change 3M -2.8%
Price Change 6M 9.8%
Price Change YTD 12.3%
Price Change 1Y 15.6%
Price Change 3Y 58.6%
Price Change 5Y 130.8%
1M CAGR (ann.) 6.5%
1Y CAGR (ann.) 19.7%
5Y CAGR (ann.) 19.7%
All-Time CAGR 16.1%
Valuation
PE Ratio 13.35
Forward PE 14.72
PEG Ratio 0.12
Forward PEG -1.71
PS Ratio 3.43
Forward PS 3.70
PB Ratio 2.05
P/FCF Ratio 23.46
P/Adj. FCF Ratio 23.39
P/OCF Ratio 23.60
EV/Sales -1.26
EV/EBIT -3.80
EV/EBITDA -3.21
EV/FCF -8.62
Earnings Yield 7.5%
FCF Yield 4.3%
Adj. FCF Yield 4.3%
Financial Health
Net Cash $84.92B
Total Debt $8.73B
Cash & Short-Term Investments $93.65B
Total Assets $115.96B
Current Ratio 11.31
Quick Ratio 11.31
Debt / Equity Ratio 0.29
Debt / EBITDA 1.23
Debt / FCF 3.30
OCF / Debt 0.30
Interest Coverage 24.03
Altman Z-Score 2.42
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 53.9%
Operating Profit Margin 32.2%
EBITDA Margin 39.3%
Net Profit Margin 26.9%
FCF Margin 14.6%
Adj. FCF Margin 14.7%
SBC / Revenue 0.0%
SBC Impact (per share) -0.3%
Returns
Return on Assets 4.2%
Return on Equity 16.4%
Return on Invested Capital 4.6%
Return on Capital Employed 5.5%
Return on Tangible Assets 4.2%
Historical Growth (CAGR)
Revenue CAGR 3Y -1.2%
Revenue CAGR 5Y -4.6%
Revenue CAGR 10Y -1.6%
EPS CAGR 3Y 6.1%
EPS CAGR 5Y 2.2%
EPS CAGR 10Y 11.7%
FCF CAGR 3Y -8.4%
FCF CAGR 5Y -14.2%
FCF CAGR 10Y -8.6%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 12
EPS Growth Next 3Y -4.1%
Revenue Growth Next 3Y -1.0%
Earnings Date Nov 4, 2026
EPS Estimate (next Q) $1.80
EPS Growth Est (next Q) -27.7%
Revenue Est (next Q) $4.12B
Revenue Growth Est (next Q) -14.1%
Fair Value Estimates
Graham Number $112.05
Graham Upside -9.6%
Lynch Fair Value $46.40
Lynch Upside -62.5%
Price Target $122.33
Price Target Upside -1.3%
Cash Flow
Operating Cash Flow $2.65B
Free Cash Flow $2.65B
Adj. Free Cash Flow $2.66B
FCF Per Share $5.25
OCF Per Share $5.25
OCF/S Ratio 14.6%
Income Statement
Revenue $18.09B
Gross Profit $9.75B
Operating Income $5.82B
EBITDA $7.11B
Net Income $4.86B
EPS (Diluted) $9.28
Revenue / Employee $1.42M
Profit / Employee $382.35K
Employees 12,716
Dividends
Annual Dividend $2.41
Dividend Yield 1.95%
Payout Ratio 26.0%
FCF Payout Ratio 45.1%
Adj. FCF Payout Ratio 45.0%
Dividend Growth (YoY) 7.6%
Pay Frequency Quarterly
Ex-Dividend Date Aug 19, 2026
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