Aflac (AFL) Stock Analysis
NYQ · Financial Services · Insurance - Life
$114.03
+0.28 (+0.24%)
AFL Interactive Price Chart & Trading Signals
AFL Stock Snapshot — Valuation, Risk & Technical Signals
AFL Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$57.17B
P/E Ratio
12.30
Forward P/E
15.12
PEG Ratio
1.18
P/B Ratio
1.89
EPS
$9.27
Dividend Yield
2.15%
52W Range
$105.43 – $130.22
Beta
0.58
Volume
0.1M
ROE
16.9%
Profit Margin
26.9%
Revenue Growth
-1.0%
Gross Margin
50.9%
EV/EBITDA
10.59
Analyst Target
$118.53
The trailing price-to-earnings ratio stands at 12.3x. Forward P/E of 15.1x suggests earnings compression ahead. Price-to-book is 1.89x. EV/EBITDA sits at 10.59x. Market capitalization is $57.17B. Revenue is contracting at -1.0% on a trailing basis. Earnings are expanding at 46.8%. Profit margins are 26.9%. Return on equity is 16.9%. Beta of 0.58 indicates defensive profile.
Analyst Consensus
Recommendation
Hold
Low Target
$99.00
Mean Target
$118.53
High Target
$138.00
Based on 15 analysts
About Aflac
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan. Its Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company also provides hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as cafeteria plans. It sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.
AFL Deep Dive Analysis
Bottom Line
Verdict
OvervaluedBest for
Quality-focused portfoliosWatch out for
Premium valuation, Revenue contractionNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
Aflac Incorporated (AFL) trades above our multi-model fair value estimate of $81.42 by approximately 28.6%. Trailing P/E: 12.3x. Profitability signals include profit margin of 26.9% and return on equity of 16.9%. Recent growth metrics show revenue growth of -1.0% and earnings growth of 46.8%. Risk profile: defensive beta of 0.58. Consensus: hold.
Valuation, Growth & Risk
Valuation
Overvalued
P/E 12.3x
Price is above what fundamentals suggest.
Growth
Stable
Rev -1.0%
Revenue is moving sideways.
Risk
Low
Beta 0.58
Movement is likely to track the broader market.
Valuation Snapshot
Aflac Incorporated (AFL) trades above our multi-model fair value estimate of $81.42 by approximately 28.6%. The trailing price-to-earnings ratio stands at 12.3x. Forward P/E of 15.1x implies earnings expansion expected. Price-to-sales is 3.2x. Price-to-book is 1.9x. EV/EBITDA sits at 10.6x. Market capitalization is $57.17B.
Why it matters: Paying a premium works only if the company keeps growing faster than expected.
Growth & Profitability
Revenue is contracting at -1.0% on a trailing basis. Earnings are expanding at 46.8%. Profit margins are 26.9%. Return on equity is 16.9%. Return on assets is 3.1%.
Why it matters: Falling revenue can signal losing market share or industry headwinds.
Risk Profile
Beta of 0.58 indicates defensive profile. Net debt position is $7.24B.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $118.53 implies 4.0% upside. Target range spans $99.00 to $138.00. 15 analysts cover the stock. Consensus recommendation: hold.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
Strong profitability metrics may appeal to quality-focused portfolios.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
AFL Overvalued
Aflac Incorporated (AFL) trades above our multi-model fair value estimate of $81.42 by approximately 28.6%.
Frequently Asked Questions
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.