Aflac Inc. (AFL)

Price$118.24

Value ScoreF

Growth ScoreC

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)-0.74%

Price vs S&P 500 (4W)4.55%

VGM Score48.21

Market Capitalization$60.18B

P/E Ratio (Annual)16.51x

Indicated Dividend Yield (Annual)2.12%

All Metrics

P/CF (Annual)23.55x

Book Value / Share (Quarterly)$58.69

P/TBV (Annual)2.41x

Indicated Dividend (Annual)$2.44

Revenue Growth (3Y)-4.21%

Cash Flow / Share (Quarterly)$5.75

Payout Ratio (TTM)25.80%

Price vs S&P 500 (YTD)-0.93%

Net Profit Margin (TTM)25.60%

EPS (TTM)$8.81

10-Day Avg Trading Volume3.04M

EPS Excl Extra (TTM)$8.81

Revenue Growth (5Y)-4.97%

EPS (Annual)$6.82

Dividend / Share (Annual)$2.24

ROI (Annual)9.64%

Net Profit Margin (5Y Avg)23.19%

Cash / Share (Quarterly)$9.37

P/E Basic Excl Extra (TTM)12.98x

Revenue Growth QoQ (YoY)27.90%

EPS Growth (5Y)0.43%

P/E Normalized (Annual)16.51x

ROA (Last FY)3.13%

Revenue Growth TTM (YoY)7.25%

EBITD / Share (TTM)$11.09

ROE (5Y Avg)17.66%

Operating Margin (TTM)32.26%

Cash Flow / Share (Annual)$4.93

P/B Ratio2.01x

P/B Ratio (Quarterly)1.89x

Net Income / Employee (Annual)$286,700

EV / Revenue (TTM)3.44x

Net Interest Coverage (TTM)21.60x

ROA (TTM)3.87%

EPS Growth QoQ (YoY)3634.91%

EV / EBITDA (TTM)10.67x

EPS Incl Extra (Annual)$6.82

Current Ratio (Annual)0.04x

Quick Ratio (Quarterly)0.11x

3-Month Avg Trading Volume2.41M

52-Week Price Return15.68%

EV / Free Cash Flow (Annual)24.41x

P/E Incl Extra (TTM)12.98x

Revenue / Employee (TTM)$1,424,300

Tangible BV / Share (Quarterly)$38.63

P/S Ratio (Annual)3.51x

Asset Turnover (Annual)0.15x

52-Week High$119.81

Operating Margin (5Y Avg)28.33%

EPS Excl Extra (Annual)$6.82

Tangible BV CAGR (5Y)-3.92%

26-Week Price Return7.19%

Quick Ratio (Annual)0.04x

13-Week Price Return6.48%

Total Debt / Equity (Annual)0.28x

Current Ratio (Quarterly)0.11x

Enterprise Value$62.36B

Revenue / Share Growth (5Y)0.74%

Asset Turnover (TTM)0.15x

Book Value / Share Growth (5Y)3.23%

Revenue / Employee (Annual)$1,349,800

Pretax Margin (Annual)26.41%

Cash / Share (Annual)$6.41

3-Month Return Std Dev16.55%

Net Income / Employee (TTM)$364,600

EBITDA CAGR (5Y)1.54%

EBITDA Interim CAGR (5Y)-5.05%

ROE (Last FY)12.36%

Net Interest Coverage (Annual)25.40x

EPS Basic Excl Extra (Annual)$6.82

P/FCF (TTM)20.51x

EV / Free Cash Flow (TTM)21.25x

Total Debt / Equity (Quarterly)0.26x

EPS Incl Extra (TTM)$8.81

ROI (TTM)12.45%

Dividend Growth Rate (5Y)15.65%

P/S Ratio (TTM)3.32x

Pretax Margin (5Y Avg)27.22%

Revenue / Share (Annual)$32.09

Tangible BV / Share (Annual)$32.73

Forward P/E15.36x

Free OCF CAGR (5Y)-15.58%

Price vs S&P 500 (52W)-8.68%

P/E Ratio (TTM)12.98x

EPS Growth TTM (YoY)37.55%

Year-to-Date Return7.23%

5-Day Price Return5.47%

EPS Normalized (Annual)$6.82

ROA (5Y Avg)3.48%

Net Profit Margin (Annual)21.24%

Month-to-Date Return5.18%

EBITD / Share (Annual)$8.95

EPS Growth (3Y)1.16%

Operating Margin (Annual)27.69%

LT Debt / Equity (Annual)0.28x

P/CF (TTM)20.51x

ROI (5Y Avg)13.53%

P/E Excl Extra (TTM)12.98x

LT Debt / Equity (Quarterly)0.26x

EPS Basic Excl Extra (TTM)$8.81

P/TBV (Quarterly)2.14x

Payout Ratio (Annual)32.86%

P/B Ratio (Annual)1.96x

Dividend / Share (TTM)$2.27

Pretax Margin (TTM)30.99%

Book Value / Share (Annual)$56.85

Price vs S&P 500 (13W)-1.77%

Net Margin Growth (5Y)-0.31%

Dividend Yield (TTM)1.99%

Beta0.60x

P/FCF (Annual)23.55x

Revenue / Share (TTM)$35.18

ROE (TTM)16.08%

52-Week Low$96.95

vGradeF

gGradeC

mGradeB

vgmGradeC

Show chart for

Earnings Surprise History

Q1 261.75est. 1.83

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

2.76

2.77

2.78

Industry Peers — Accident & Health Insurance(5)

Symbol	Value Score	Growth Score	Momentum Score	Price
AFLAflac Inc.	F	C	B	$118.24
PFGPrincipal Financial Group, Inc.	D	C	A	$105.22
UNMUnum Group	D	D	B	$86.84
UNMAUnum Group 6.250% Junior Subordinated Notes due 2058	D	D	B	$22.30
CNOCNO Financial Group, Inc.	D	D	A	$47.91
CNOpACNO Financial Group, Inc. 5.125% Subordinated Debentures due 2060	—	—	—	$0.00

About

Aflac Inc provides supplemental health and life insurance across the United States and Japan, with products including cancer, accident, dental, vision, disability, and long-term care coverage. The company distributes primarily through independent distributors and workplace-based direct sales, complemented by digital channels. Aflac Japan is the primary revenue driver, while the company's diversified offerings address gaps in consumers' existing insurance coverage.