Aflac/$AFL
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Aflac
Aflac Inc offers supplemental health insurance and life insurance in the United States and Japan. In addition to its cancer policies, the company has broadened its product offerings to include accident, dental and vision, disability, and long-term-care insurance. It markets its products through independent distributors, selling the majority of its policies directly to consumers at their places of work, and also reaches out to its customers outside of their worksite through digital mediums. The company has two reportable business segments: Aflac Japan, which generates the maximum revenue, and Aflac U.S.
- Ticker
- $AFL
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 12,716
- Headquarters
- Columbus, United States
- Website
- www.aflac.com
Aflac Metrics
BasicAdvanced
$62B
13.22
$9.37
0.58
$2.41
1.97%
Price and volume
Market cap
$62B
Beta
0.58
52-week high
$130.22
52-week low
$105.48
Average daily volume
1.6M
Dividend rate
$2.41
Financial strength
Current ratio
4.102
Quick ratio
0.783
Long term debt to equity
0.278
Total debt to equity
0.288
Dividend payout ratio (TTM)
24.56%
Interest coverage (TTM)
24.91%
Profitability
EBITDA (TTM)
6,065
Gross margin (TTM)
50.89%
Net profit margin (TTM)
26.91%
Operating margin (TTM)
33.36%
Effective tax rate (TTM)
15.97%
Revenue per employee (TTM)
$1,420,000
Management effectiveness
Return on assets (TTM)
3.13%
Return on equity (TTM)
16.91%
Valuation
Price to earnings (TTM)
13.221
Price to revenue (TTM)
3.544
Price to book
2.05
Price to tangible book (TTM)
2.07
Price to free cash flow (TTM)
24.19
Free cash flow yield (TTM)
4.13%
Free cash flow per share (TTM)
5.122
Dividend yield (TTM)
1.95%
Forward dividend yield
1.97%
Growth
Revenue change (TTM)
13.57%
Earnings per share change (TTM)
111.55%
3-year revenue growth (CAGR)
-1.00%
10-year revenue growth (CAGR)
-1.65%
3-year earnings per share growth (CAGR)
6.46%
10-year earnings per share growth (CAGR)
11.91%
3-year dividend per share growth (CAGR)
13.22%
10-year dividend per share growth (CAGR)
11.38%
What the Analysts think about Aflac
Analyst ratings (Buy, Hold, Sell) for Aflac stock.
Analyst projections of the future price of Aflac stock.
Bulls say / Bears say
Aflac Japan’s new and refreshed products are generating traction: first-half sales rose 7%, and management expects full-year sales to exceed 2025. Anshin Palette and Tsumitasu growth could help broaden the customer base as Miraito’s launch-driven growth moderates. (Aflac, StockAnalysis)
Aflac’s Japan portfolio repositioning is expected to add more than $50 million to annual investment income while reducing risk. If delivered, the higher run-rate income would support earnings without relying solely on premium growth. (StockAnalysis)
Higher U.S. benefits squeezed profitability: second-quarter adjusted pre-tax earnings fell 4.6% and the segment margin narrowed to 20.9% from 22.5% a year earlier. Persistent claims pressure could limit profit growth even as premiums rise. (Aflac)
Aflac’s large Japan business makes reported results vulnerable to yen weakness. In the second quarter, currency translation reduced adjusted earnings per share by $0.05, adding to pressure on dollar-reported results. (TradingKey)
Cybersecurity creates financial and reputational risk: attackers accessed Aflac Japan systems and files containing personal, policy and bank-account information. Separately, a US class action over the 2025 breach has survived Aflac’s attempt to dismiss it, leaving litigation exposure unresolved. (BleepingComputer, Bloomberg Law)
Data summarised monthly by Lightyear AI. Last updated on 6 Oct 2026.
Aflac Financial Performance
Revenues and expenses
Aflac Earnings Performance
Company profitability
Upcoming events
No upcoming events
Aflac News
AllArticlesVideos
Funds containing Aflac
AllUSDEURGBP
Fund name | Fund size | $AFL weighting |
|---|---|---|
SPDR S&P 500 Low Volatility$LOWV | $113M | 1.20% |
SPDR S&P 500 Low Volatility£USLV | $113M | 1.20% |
Invesco S&P 500 Low Volatility£SPLG | $143M | 1.20% |
SPDR S&P US Dividend Aristocrats€SPYD | $3.8B | 0.87% |
SPDR S&P US Dividend Aristocrats£USDV | $3.8B | 0.87% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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