XNYS · Insurance - Life
Last stored close · Sep 18, 2026
Close · Sep 18, 2026
$116.33-0.23%
Model Target
available with Pro
Implied upside
vs the model target
Valuation methods
the methods behind the target
TickerWhale Score
58/100
Positive
Score components
TickerWhale View
Aflac scores 58 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%83Strong
- Revenue growth 13.6%
- EPS growth 111.1%
Valuation
25%17Weak
- P/E 12.1
- EV/Sales 3.8
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.
#219 by market cap in our coverage · ~12,716 employees · Listed 1973-08-27 · www.aflac.com
Price history
Intraday to five-year windows are free with an account
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
#53 / 197sector rank by TickerWhale Score
TickerWhale Score 58 vs sector average 49.7 (+8.3)
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
69/100Positive vs universe
Ranks 69th of 100 covered names on our technical composite — the composite itself scores 57/100 · 25% of the TickerWhale Score
Classic chart indicators
Sell
2 buy · 3 sell · 3 neutral of 8 votes
TickerWhale rates AFL's technical setup strong — 69th percentile of the covered universe. Classic chart indicators lean sell — they read this stock on its own over days, where our score ranks it against every covered name over months, so the two often part company.
Moving averages
2 / 9constructive
- vs 200-day+1.3%
- vs 50-day-3.6%
Momentum
Mixed
- RSI (14)44 · neutral
- Stochasticsell
- CCIneutral
- Williams %Rneutral
Trend
Mixed
- ADX (14) trend strength32· trending
- MACD (12,26,9)buy(histogram 0.280)
How the classic verdict is reached
Moving averages (9) agree on sell — 2 buy vs 4 sell — and carry one vote between them.
Oscillators (7) vote individually: 2 buy · 2 sell · 3 neutral.
Result — 2 buy vs 3 sell of 8 votes = Sell. Neutral votes never decide the verdict.
Fundamentals & valuation
2026-09-18 · revised_latestValuation multiples
- P/E (TTM)12.1
- P/S (TTM)3.3
- P/B1.9
- EV/EBITDA—
- EV/Sales3.8
- 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 — $58.8B
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 | 58 | 57 | 12.1 | — | 1.9 | 3.8 | $116.33 | -0.23% | +13.6% | ||
| WTMWhite Mountains Insurance Group | 84 | 52 | 4.5 | — | 0.9 | 1.5 | $2,061.30 | +0.14% | +55.5% | ||
| JXNJackson Financial Inc - | 83 | 74 | 158.1 | — | 0.9 | 1.0 | $132.67 | +2.54% | +15.1% | ||
| FBPFirst Bancorp PR | 80 | 69 | 11.4 | — | 2.2 | 3.1 | $27.58 | +0.22% | +2.7% | ||
| AMPAmeriprise Financial | 78 | 69 | 12.8 | — | 7.9 | 2.4 | $544.33 | -0.25% | +9.1% | ||
| SEICSEI Investments Company | 76 | 72 | 18.4 | — | 5.2 | 5.2 | $105.20 | +0.33% | +11.1% |
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