AFL Aflac Incorporated - Fundamental Analysis
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Aflac is cheaper than the Financial Services sector average on both P/E and P/B, but not undervalued given its growth and earnings track record, especially when compared to higher-growth peers like PYPL despite lower margins.
- P/E of 15.01 is below sector average of 22.13, suggesting relative value
- Price/Book of 2.10 is reasonable for a life insurer with stable ROE
- Current price of $114.34 exceeds analyst target of $111.00
- Forward P/E of 15.95 implies no compression benefit
While revenue growth is robust, the absence of earnings growth confirmation and flat price momentum near the 52-week high suggest limited near-term catalysts, especially with 1-month and 1-week returns showing deceleration.
- 60.70% YoY revenue growth indicates strong top-line momentum
- Dividend policy provides income stability in uncertain markets
- No earnings growth data available to confirm profit conversion
- Analyst target implies only -2.9% downside, limiting upside potential
Aflac has delivered strong historical profitability and exceptional 5-year price performance, but the complete lack of earnings beats over 25 quarters raises concerns about forecast reliability and execution consistency.
- Consistent profitability with ROE of 15.58% and stable margins over time
- Five-year return of +197.5% demonstrates strong long-term compounding
- Four straight earnings misses erode credibility of guidance
- No positive earnings surprises in last 25 quarters
Aflac’s low leverage enhances financial resilience relative to peers like MET (1.64 D/E), but marginal liquidity ratios suggest limited buffer for adverse shocks, especially in a rising rate environment.
- Debt/equity of 0.50 is below sector average of 0.76, reducing leverage risk
- Operating margins support strong cash generation potential
- Current ratio of 1.09 and quick ratio of 0.99 indicate tight liquidity
- Missing total cash and debt figures limit full solvency assessment
The dividend appears well-covered and attractive in the current yield environment, with a low payout ratio supporting longevity, though lack of historical data limits full policy assessment.
- Dividend yield of 2.13% is above S&P 500 average and sector median
- Payout ratio of 29.43% indicates strong earnings coverage and room for growth
- No data on dividend growth history or consistency of increases
- Insider selling may signal caution around future payout sustainability
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AFL and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AFL
Aflac Incorporated
Primary
|
+197.5% | +73.0% | +6.5% | +8.2% | +4.1% | +0.2% |
|
PYPL
PayPal Holdings, Inc.
Peer
|
-67.3% | -30.1% | -26.8% | -13.0% | -7.6% | -5.2% |
|
TFC
Truist Financial Corporation
Peer
|
+16.8% | +14.0% | +1.8% | +11.0% | +4.9% | +1.4% |
|
TRV
The Travelers Companies, Inc.
Peer
|
+133.6% | +69.6% | +13.8% | +5.8% | +6.6% | +2.7% |
|
ALL
The Allstate Corporation
Peer
|
+147.3% | +74.4% | +11.6% | +3.5% | +6.9% | +5.9% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Quarterly Earnings History
EPS performance vs analyst estimates
Financial Services Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AFL
Aflac Incorporated
|
NEUTRAL | $60.28B | 15.01 | 15.6% | 23.6% | $114.34 | |
|
PYPL
PayPal Holdings, Inc.
|
BULLISH | $58.77B | 12.61 | 24.4% | 15.0% | $62.81 | |
|
TFC
Truist Financial Corporation
|
BULLISH | $57.99B | 12.03 | 8.0% | 28.6% | $44.86 | |
|
TRV
The Travelers Companies, Inc.
|
NEUTRAL | $64.11B | 11.31 | 19.8% | 12.1% | $287.29 | |
|
ALL
The Allstate Corporation
|
BULLISH | $56.08B | 6.95 | 34.5% | 12.5% | $214.3 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-10 | BRODEN MAX | Chief Financial Officer | Option Exercise | 4,668 | $180,908 |
| 2025-11-07 | MOSKOWITZ JOSEPH L | Director | Sale | 1,000 | $114,000 |
| 2025-11-07 | TILLMAN AUDREY BOONE | Officer | Gift | 26,970 | - |
| 2025-11-06 | SIMARD FREDERIC JEAN GUY | Officer | Sale | 1,722 | $193,725 |
| 2025-08-18 | MOSKOWITZ JOSEPH L | Director | Gift | 500 | - |
| 2025-08-12 | DYSLIN BRADLEY EUGENE | Officer | Stock Award | 9,658 | - |
| 2025-08-08 | MOSKOWITZ JOSEPH L | Director | Sale | 1,000 | $102,570 |
| 2025-05-20 | KOIDE MASATOSHI | Officer | Sale | 37,000 | $3,906,941 |
Wall Street Analysts
Professional analyst ratings and price targets