XNYS · Insurance - Life
Last stored close · Nov 10, 2026
Close · Nov 10, 2026
$126.64+1.13%
Model Target
available with Pro
Implied upside
vs the model target
Valuation methods
the methods behind the target
TickerWhale Score
65/100
Positive
Score components
TickerWhale View
Aflac scores 65 out of 100 overall, which we rate positive. Quality & growth is its strongest area and Valuation its weakest.
What helps
- Technical
- Quality & growth
- Risk
What to watch
- Valuation
Quality & growth
30%96Strong
- Revenue growth 13.6%
- EPS growth 111.1%
Valuation
25%15Weak
- P/E 13.2
- EV/Sales 4.1
Aflac Inc offers supplemental health insurance and life insurance in the United States and Japan. In addition to its cancer policies, the company has broadened its product offerings to include accident, dental and vision, disability, and long-term-care insurance. It markets its products through independent distributors, selling the majority of its policies directly to consumers at their places of work, and also reaches out to its customers outside of their worksite through digital mediums. The company has two reportable business segments: Aflac Japan, which generates the maximum revenue, and Aflac U.S.
#209 by market cap in our coverage · ~12,716 employees · Listed 1973-08-27 · www.aflac.com
Price history
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Members switch between 1D, 1M, 6M, 1Y, 2Y and 5Y and see the live price. Signed out, this is the one-year stored series the technicals below are computed from.
Market intelligence
Peer position
#31 / 196sector rank by TickerWhale Score
TickerWhale Score 65 vs sector average 50.5 (+14.5)
Revenue growth (industry)Top 20%
Gross margin (industry)Top 40%
Return on equity (industry)Top 40%
P/E (industry)Cheaper than 60%
Technical analysis
our read · what classic indicators sayTickerWhale technical read
83/100Strong vs universe
Ranks 83rd of 100 covered names on our technical composite — the composite itself scores 76/100 · 25% of the TickerWhale Score
Classic chart indicators
Strong Buy
6 buy · 0 sell · 2 neutral of 8 votes
TickerWhale rates AFL's technical setup strong — 83rd percentile of the covered universe. Classic chart indicators lean buy, pointing the same way.
Moving averages
9 / 9constructive
- vs 200-day+8.8%
- vs 50-day+7.4%
Momentum
Constructive
- RSI (14)67 · neutral
- Stochasticbuy
- CCIbuy
- Williams %Rneutral
Trend
Constructive
- ADX (14) trend strength39· trending
- MACD (12,26,9)buy(histogram 0.262)
How the classic verdict is reached
Moving averages (9) agree on buy — 9 buy vs 0 sell — and carry one vote between them.
Oscillators (7) vote individually: 5 buy · 0 sell · 2 neutral.
Result — 6 buy vs 0 sell of 8 votes = Strong Buy. Neutral votes never decide the verdict.
Fundamentals & valuation
2026-11-10 · revised_latestValuation multiples
- P/E (TTM)13.2
- P/S (TTM)3.5
- P/B2.1
- EV/EBITDA—
- EV/Sales4.1
- PEG—
Profitability & returns
- Gross margin50.6%
- Net margin26.9%
- ROE16.1%
- Debt/Equity0.53
Growth
- Revenue growth (YoY)13.6%
- EPS growth (YoY)111.1%
Green favourable · red stretched — multiples and D/E vs industry peers, margins and growth vs absolute thresholds.
Market capitalisation — $64.0B
Fundamentals history
Reported statement totals across recent periods.
| Metric | Dec '25 | Dec '24 | Dec '23 |
|---|---|---|---|
| Revenue | $17.2B | $18.9B | $18.7B |
| Gross profit | $9.9B | $11.5B | $10.5B |
| Operating income | $4.8B | $6.6B | $5.5B |
| Net income | $3.6B | $5.4B | $4.7B |
| EPS (diluted) | $6.82 | $9.63 | $7.78 |
| Free cash flow | $2.6B | $2.7B | $3.2B |
| Cash | $6.2B | $6.2B | $4.3B |
| Total debt | $8.4B | $7.5B | $7.4B |
| Equity | $29.5B | $26.1B | $22.0B |
| Net debt | $2.2B | $1.3B | $3.1B |
| Debt / equity | 0.29 | 0.29 | 0.33 |
| Liabilities / assets | 0.75 | 0.78 | 0.83 |
Fundamentals are stored revised/latest (ADR-009): each period reflects the most recent vendor refresh, NOT point-in-time as-reported values. Do not use this series to claim what was known on a past date.
Model Target
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Peers
| Company | Score | Pulse | P/E | P/E fwd | P/B | EV/Sales | Price | Chg | Estimate | Upside | Rev. gr. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| AFLCurrentAflac | 65 | 76 | 13.2 | — | 2.1 | 4.1 | $126.64 | +1.13% | +13.6% | ||
| WTMWhite Mountains Insurance Group | 89 | 74 | 5.0 | — | 1.0 | 1.6 | $2,280.00 | +1.05% | +55.5% | ||
| JXNJackson Financial Inc - | 81 | 78 | 164.4 | — | 1.0 | 1.1 | $138.01 | +1.84% | +15.1% | ||
| ALLAllstate Corp (The) | 80 | 73 | 5.1 | — | 2.0 | 1.1 | $261.12 | +2.89% | +5.9% | ||
| FHIFederated Hermes Inc - | 79 | 81 | 12.0 | — | 3.8 | 2.5 | $65.53 | +0.89% | +15.0% | ||
| AMGAffiliated Managers Group | 76 | 81 | 12.6 | — | 3.6 | 5.9 | $401.32 | +4.74% | +11.8% |
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