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
$58B
24.64
$4.43
0.84
$2.24
2.13%
Price and volume
Market cap
$58B
Beta
0.84
52-week high
$114.45
52-week low
$96.95
Average daily volume
2.6M
Dividend rate
$2.24
Financial strength
Current ratio
1.219
Quick ratio
1.111
Long term debt to equity
32.526
Total debt to equity
55.055
Dividend payout ratio (TTM)
46.94%
Interest coverage (TTM)
16.81%
Profitability
EBITDA (TTM)
3,446
Gross margin (TTM)
41.39%
Net profit margin (TTM)
15.32%
Operating margin (TTM)
21.35%
Effective tax rate (TTM)
23.70%
Revenue per employee (TTM)
$1,250,000
Management effectiveness
Return on assets (TTM)
1.73%
Return on equity (TTM)
9.15%
Valuation
Price to earnings (TTM)
24.637
Price to revenue (TTM)
3.759
Price to book
2.15
Price to tangible book (TTM)
2.15
Price to free cash flow (TTM)
23.08
Free cash flow yield (TTM)
4.33%
Free cash flow per share (TTM)
4.728
Dividend yield (TTM)
2.05%
Forward dividend yield
2.13%
Growth
Revenue change (TTM)
-17.58%
Earnings per share change (TTM)
-52.97%
3-year revenue growth (CAGR)
-9.07%
10-year revenue growth (CAGR)
-3.04%
3-year earnings per share growth (CAGR)
-12.66%
10-year earnings per share growth (CAGR)
4.06%
3-year dividend per share growth (CAGR)
13.95%
10-year dividend per share growth (CAGR)
10.87%
What the Analysts think about Aflac
Analyst ratings (Buy, Hold, Sell) for Aflac stock.
Bulls say / Bears say
Aflac’s Q2 2025 adjusted EPS was $1.78, beating consensus estimates of $1.70, showing resilient profitability in core operations (Reuters).
U.S. net premiums increased 3.4% year-over-year to $1.5 billion in Q2, reflecting strong demand and effective premium pricing in its main market (Reuters).
The board approved a $0.58 per share Q3 dividend, underscoring strong capital generation and continued commitment to shareholder returns (Reuters).
Total Q2 revenue of $4.2 billion missed the $4.33 billion analyst estimate, signaling possible weakness in overall growth and underwriting performance (Reuters).
Aflac reported net investment losses of $421 million for the quarter, highlighting exposure to market volatility and fluctuating interest rates (Reuters).
Shares fell 2.2% following the earnings announcement, reflecting investor concern over the revenue miss and broader investment pressures (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 5 Sept 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 $58B as of September 15, 2025.
What is the P/E ratio for Aflac stock?
The price to earnings (P/E) ratio for Aflac (AFL) stock is 24.64 as of September 15, 2025.
Does Aflac stock pay dividends?
Yes, the Aflac (AFL) stock pays dividends to shareholders. As of September 15, 2025, the dividend rate is $2.24 and the yield is 2.13%. Aflac has a payout ratio of 46.94% on a trailing twelve-month basis.
When is the next Aflac dividend payment date?
The next Aflac (AFL) dividend payment date is unconfirmed.
What is the beta indicator for Aflac?
Aflac (AFL) has a beta rating of 0.84. 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.