Aflac Incorporated (AFL) Stock Score, Valuation & Financial Research
Aflac Incorporated is in the Financial Services sector and Insurance - Life industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 51/100.
Quick answer for AFL
Aflac Incorporated currently has a Wall Street Score of 51/100. The stored market price is $117.01. Its financial score is 60/100. Its valuation score is 26/100. The latest WSS change is +0.5 points. These figures are a research snapshot, not a buy or sell recommendation.
What Aflac Incorporated does
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 with savings-oriented plans like WAYS and child endowment products. Meanwhile, the Aflac U.S. division caters to the American market, furnishing policies that address cancer, accidents, short-term disability, critical illness, and hospital stays. Additionally, it provides dental, vision, long-term care, disability, and both term and whole life insurance options. Aflac distributes its comprehensive
AFL financial snapshot
- Wall Street Score:
- 51/100
- Current price:
- $117.01
- Market capitalization:
- $59.56B
- Revenue:
- $18.09B
- Net income:
- $4.86B
- Free cash flow:
- $2.56B
- Cash:
- $6.12B
- Total debt:
- $8.73B
- EPS:
- 9.32
- P/E ratio:
- 12.6x
- Financial score:
- 60/100
- Valuation score:
- 26/100
- Revenue score:
- 26/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $2.56B, showing positive cash generation.
- The balance sheet shows $6.12B of cash versus $8.73B of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +0.5 points: AFL increased 0.5 points because Valuation improved by 4 points.
What the numbers mean
Its current valuation score is 26/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 60/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research AFL
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.