Aflac Incorporated
Company & revenue
About Aflac Incorporated
Financial breakdown: year ended 2025-12-31
Who they are
Aflac Incorporated, operating through its various subsidiary companies, focuses on delivering supplementary health and life insurance policies. The firm's business activities are structured into two primary divisions: Aflac Japan and Aflac U. S.
Brands & revenue mix
The primary brand for the company's insurance products, supported by the Aflac Duck marketing campaign.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Customer concentrationPREMIUM
The company relies on a widely distributed customer base in the United States and Japan, with no single customer accounting for a material portion of consolidated revenues as of the fiscal year ended December 31, 2024.
Business relationships & partnershipsPREMIUM
- Empathy — A partnership to offer legacy planning services, including the LifeVault platform, to Aflac life insurance policyholders.Source
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
51
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
62
Fair
Financial Strength
70
Business Quality / Moat
29
Management
97
Growth Quality
32
Risk / Durability
96
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
31
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
38/100
Building Historical Record
Model Score 38/100 — estimates relative performance potential, distinct from WallStreetScore (company quality).
Probability unavailable — the model has not produced a calibrated probability yet.
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WSS View
The quick read
WSS currently rates the company as mixed to moderately strong.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Recent buyback activity is present
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for AFL
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can AFL maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is AFL's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does AFL's balance between cash and debt leave enough flexibility if business conditions weaken?
- •What future growth or profitability would be needed to justify AFL's current valuation?
Essential Investment Snapshot
Wall Street Score
51
Opportunity Score
31
Market Cap
$56.77B
P/E Ratio
12.0
EPS
$9.32
52-Week High
$130.22
52-Week Low
$105.43
Beta
0.58
Intrinsic Value
$79.22
Analyst Target
$122.00
Shares Outstanding
532.0M
Total Revenue
$18.09B
Total Debt
$8.73B
Dividend Yield
2.19%
Liquidation Value / Share
$56.98
Annual Dividend
$2.44
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for AFL
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on AFL.
What the Bulls Say
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Material partnership/catalyst: A partnership to offer legacy planning services, including the LifeVault platform, to Aflac life insurance policyholders.
- +Product opportunity: Aflac Incorporated, operating through its various subsidiary companies, focuses on delivering supplementary health and life insurance policies. The firm's business activities are structured into two primary divisions: Aflac Japan and Aflac U.S. In Japan, the company offers a diverse range of insurance products, including coverage for cancer, medical expenses, income support for nursing care, and the distinct GIFT plan. This segment also provides traditional whole and term life insurance, along w.
- +Positive free cash flow may provide capacity to invest in growth.
What the Bears Say
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Life industry.
Bull and bear cases summarize disclosed catalysts, growth opportunities and risks; they are not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
51
Sep 8, 2026
Change
+0.1
points
Current Score
51
Oct 1, 2026
Category Changes
AFL increased 0.1 points because overall fundamentals improved.
Projected Score
Projected Score
52
Projected Change
+1.2%
Preliminary comparable-period financial changes suggest improvement of approximately 1.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
OvervaluedCurrent Price
$111.54
Intrinsic Value
$79.22
Difference
+$32.32
+40.8% vs IV
Margin of Safety
-40.8%
Related Companies
Insurance - LifeNews
Aflac Incorporated to Release Third Quarter Results and CFO Video Update on November 4, 2026 and Host Webcast on November 5, 2026
Aflac (NYSE:AFL) Major Shareholder Post Holdings Co. Ltd. Japan Sells 12,200 Shares of Stock
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Aflac (NYSE:AFL) Major Shareholder Post Holdings Co. Ltd. Japan Sells 12,800 Shares of Stock
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