NYSE
AFL

Aflac Incorporated — Fundamental Stock Analysis and Report Card

Financial Services : Insurance - Life

Located in Columbus, GA, US. 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 suite of products through multiple channels, which include dedicated sales associates, independent brokers, various corporate and individual agencies, and affiliated agencies. Established in 1955, the company maintains its corporate headquarters in Columbus, Georgia.

Price
124.72
Low 123.53125.93 High
Percentage Change
1.38%
1.70 Price Change
Trading Volume
3.98m
2.4m Average Volume
Market Capitalization
63.48b
12.7k Employed
Growth

Revenue, earnings and profitability.

Strong revenue growth and earnings can attract investors, driving the stock price up. Profitability indicates the company's efficiency and sustainability, which impacts investor confidence. Poor performance in these areas can lead to a decrease in stock price.

Revenue TTM
18.08b
35.52 per share
Revenue Growth TTM
6.29%
Price to Sales
3.44x
Ratio TTM
Price/Sales to Growth
0.55x
Ratio TTM
Net Income TTM
4.60b
9.04 per share
Net Income Growth TTM
29.03%
Price to Earning
13.98x
Ratio TTM
Price/Earning to Growth
0.48x
Ratio TTM

Revenue History

Earnings History

Margins

Gross Margin TTM
47.76%
EBITDA Margin TTM
36.58%
Net Margin TTM
25.44%
Earnings Per Share TTM
9.04
Statements

Income & Cash Flow analysis.

An income statement shows what a company earned and spent over a period — revenue at the top, costs and expenses in between, and net income at the bottom. A cash flow statement tracks the actual cash moving in and out, across operations, investing, and financing. Read together, they show whether reported earnings are backed by real cash.

Aflac Incorporated
Select Period:
Q1 2026
Total ($)
Q1 2026
Margin (%)
Revenue
4.3b
+862.0m
+25.0%
Gross Income
2.5b
+2.0b
+406.7%
58%
+43.4pp
+305.5%
EBITDA
1.3b
+1.1b
+786.2%
30%
+25.6pp
+609.2%
Operating Income
1.2b
+1.1b
+744.8%
28%
+24.2pp
+576.1%
Net Income
1.0b
+990.0m
+3.4k%
24%
+22.8pp
+2.7k%
Earnings Per Share
1.99
+1.9
+3.6k%
Operating Cash Flow
968.0m
+379.0m
+64.3%
22%
+5.4pp
+31.5%
Free Cash Flow
968.0m
+379.0m
+64.3%
22%
+5.4pp
+31.5%
Research & Development
n/a
n/a
n/a
n/a
n/a
n/a
Recommendations

What are the analysts saying?

Analyst Consensus aggregates Wall Street recommendations into buy/hold/sell counts, while the Fundamental Scorecard grades the company on six financial ratios (P/B, P/E, D/E, ROA, ROE, DCF) plus an overall score. The two measure different things and can point in different directions.

Analyst Consensus
Fundamental Scorecard
Recent Upgrades & Downgrades
BMO Capital
a year ago
Evercore ISI
2 years ago
Keefe, Bruyette & Woods
2 years ago
Cowen & Co.
2 years ago