Aflac/$AFL
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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 majority of the revenue, and Aflac U.S.
Ticker
$AFL
Sector
Primary listing
NYSE
Employees
12,694
Headquarters
Website
Aflac Metrics
BasicAdvanced
$60B
14.86
$7.68
0.66
$2.24
2.03%
Price and volume
Market cap
$60B
Beta
0.66
52-week high
$114.78
52-week low
$96.95
Average daily volume
1.9M
Dividend rate
$2.24
Financial strength
Current ratio
5.634
Quick ratio
5.159
Long term debt to equity
30.274
Total debt to equity
50.003
Dividend payout ratio (TTM)
28.14%
Interest coverage (TTM)
25.38%
Profitability
EBITDA (TTM)
5,358
Gross margin (TTM)
48.17%
Net profit margin (TTM)
23.55%
Operating margin (TTM)
29.97%
Effective tax rate (TTM)
18.19%
Revenue per employee (TTM)
$1,390,000
Management effectiveness
Return on assets (TTM)
2.64%
Return on equity (TTM)
15.58%
Valuation
Price to earnings (TTM)
14.858
Price to revenue (TTM)
3.487
Price to book
2.09
Price to tangible book (TTM)
2.09
Price to free cash flow (TTM)
23.988
Free cash flow yield (TTM)
4.17%
Free cash flow per share (TTM)
4.756
Dividend yield (TTM)
1.96%
Forward dividend yield
2.03%
Growth
Revenue change (TTM)
2.31%
Earnings per share change (TTM)
15.49%
3-year revenue growth (CAGR)
-4.97%
10-year revenue growth (CAGR)
-1.69%
3-year earnings per share growth (CAGR)
-1.87%
10-year earnings per share growth (CAGR)
10.39%
3-year dividend per share growth (CAGR)
13.55%
10-year dividend per share growth (CAGR)
11.13%
What the Analysts think about Aflac
Analyst ratings (Buy, Hold, Sell) for Aflac stock.
Bulls say / Bears say
Aflac posted third-quarter 2025 adjusted earnings per share of $2.49, well ahead of the $1.77 consensus, driven by strong investment gains and operational performance (Reuters)
Aflac’s U.S. operations reported Q3 net premiums up 2.5% year-over-year to $1.5 billion, with sales rising 2.8%, indicating sustained demand for group life and disability products (Reuters)
The company repurchased $1 billion in shares in the third quarter, showing strong capital return discipline and continued confidence in cash flow generation (Reuters)
In Q2 2025, Aflac’s revenue of $4.2 billion missed analyst expectations of $4.33 billion, highlighting uneven top-line growth and vulnerability to market volatility (Reuters)
A net investment loss of $421 million in Q2 2025 points to substantial earnings volatility resulting from non-operating investment activities and derivative exposure (Reuters)
A cybersecurity incident disclosed on June 20, 2025 involving a sophisticated cybercrime group may have compromised customer data, resulting in potential remediation costs, increased regulatory scrutiny, and reputational risk (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 8 Nov 2025.
Aflac Financial Performance
Revenues and expenses
Aflac Earnings Performance
Company profitability
Aflac News
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FAQs
What’s the current market cap for Aflac stock?
Aflac (AFL) has a market cap of $60B as of November 09, 2025.
What is the P/E ratio for Aflac stock?
The price to earnings (P/E) ratio for Aflac (AFL) stock is 14.86 as of November 09, 2025.
Does Aflac stock pay dividends?
Yes, the Aflac (AFL) stock pays dividends to shareholders. As of November 09, 2025, the dividend rate is $2.24 and the yield is 2.03%. Aflac has a payout ratio of 28.14% on a trailing twelve-month basis.
When is the next Aflac dividend payment date?
The next Aflac (AFL) dividend payment is scheduled for December 01, 2025.
What is the beta indicator for Aflac?
Aflac (AFL) has a beta rating of 0.66. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.