Aflac Incorporated AFL
Composite 56/100; the shares have moved about 18% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 21/100 — a strong mark against it.
Valuation ranks 69/100 — a moderate point in its favour. Quality ranks 64/100 — a moderate point in its favour. Income ranks 60/100 — a slight point in its favour.
Growth ranks 21/100 — a strong mark against it.
What the company does Aflac Incorporated provides supplemental health and life insurance products in Japan and the U.S. Its Aflac Japan segment offers cancer, medical, and life insurance, while Aflac U.S. focuses on accident, disability, and critical illness coverage. Products are sold through agents, brokers, and banks to individuals, families, and businesses.
Key financials Aflac reports ROE of 16.9%, ROA of 3.1%, and gross/net margins of 50.9%/26.9%. Revenue declined -8.8% and EPS -28.9% year-over-year. Debt/Equity is 0.53 with a net debt/EBITDA of 1.19. Dividend yield is 2.1% with a 31.9% payout ratio.
Stock health SiderAvia scores Aflac 54.5/100 (average quality, attractively valued). Quality pillar is 63.9, growth is weak at 23.0, and momentum is neutral at 50.6. Piotroski F-Score is 5/9, and RSI(14) is 33.10.
Price vs fair value The stock trades at a discount of 2.00% versus the analyst mean target of 118.86. - Aflac’s Q2 earnings call raised questions about growth trajectory (StockStory) - Recent analyst coverage highlights dividend potential (Insider Monkey) - Sector peers trade at discounts, pressuring relative valuation (Zacks)
Looking forward Forward P/E is 14.53, below the trailing P/E of 13.02. FCF yield is 8.8%, and EV/EBITDA is 10.82. Analysts note margin stability but flag growth headwinds in core markets.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.