Stock AnalizAflac Inc. AFL
Accident &Health Insurance · data as of November 13, 2026
Aflac Inc. (AFL) is a financial company listed in the US with a market value of about $63.1B. In the twelve months to September 30, 2026 it had revenue of $16.6B and net income of $3.5B, a net margin of 21.2%.
Its overall Stock Analiz score is 1.6 out of 5 (weak). The strongest part is shareholder returns (3/5); the weakest is future growth (0/5).
Key numbers: a P/E of 18.7, a price to free cash flow of 24.4, 5-year revenue growth of -5% a year, a 5-year average ROIC of 15%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 34% below the current price.
Score: 1.6 / 5
Checks passed
- P/E below 25
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Pays a dividend
- Share count down over 3 years (buybacks)
- Dividend 3 years in a row
Checks not passed
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $16.6B | $17.2B | $18.9B | $18.7B | $19.1B | $21.6B | $22.1B | $22.3B | $21.8B | $21.7B | $22.6B |
| Net income | $3.5B | $3.6B | $5.4B | $4.7B | $4.4B | $4.2B | $4.8B | $3.3B | $2.9B | $4.6B | $2.7B |
| Free cash flow | $2.6B | $2.6B | $2.7B | $3.2B | $3.9B | $5.1B | $6.0B | $5.5B | $6.0B | $6.1B | $6.0B |
| EPS (diluted) | $6.83 | $6.82 | $9.63 | $7.78 | $6.93 | $6.25 | $6.67 | $4.43 | $3.77 | $5.77 | $3.21 |
| Net margin | 21.2% | 21.2% | 28.8% | 24.9% | 23.1% | 19.6% | 21.6% | 14.8% | 13.4% | 21.2% | 11.8% |
| ROIC | — | — | — | — | 13.7% | 16.1% | 8.4% | 9.3% | 10.9% | 10.8% | 10.4% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 15 analysts is $118.73, 7% below the current price; targets range from $101.00 to $143.00; the consensus rating is “Hold”; expected EPS is $7.46 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Aflac’s P/E ratio?
About 18.7, based on the last twelve months of diluted earnings per share (forward P/E about 17.0).
Is Aflac stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 34% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Aflac pay a dividend?
Yes. The dividend yield is about 1.92%, and it has paid dividends for 10 years in our data.
Is Aflac a good stock to buy?
We do not give buy or sell advice. Aflac scores 1.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.