Aflac Incorporated
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, …
What to know about AFL
Aflac Incorporated is a large Financial Services company with a mixed financial profile. It scores well on risk and valuation, but sentiment is worth keeping an eye on.
Should you consider AFL?
Based on 31 financial metrics and sector comparison. Not financial advice.
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Aflac Incorporated is a large-cap Financial Services company with a mixed overall financial profile — it sits in the upper half of Financial Services stocks (25 of 70).
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Profitability is roughly average for the S&P 500 — not a standout in either direction.
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Valuation looks attractive — the stock is priced reasonably relative to its earnings and sales compared to most peers. You're not overpaying for the business.
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The company is growing at a reasonable pace — not the fastest, but consistently moving in the right direction.
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There is a small dividend (0.02%), but income-focused investors will likely find better yields elsewhere in the market.
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Risk is relatively low — the stock tends to be less volatile than the broader market, which typically means a smoother ride during uncertain periods.
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Analyst sentiment is cautious and short interest is relatively elevated — meaning some professional investors are actively betting the price will fall. Worth understanding why.
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This is a mixed picture — real strengths in some areas, but areas that need watching too. Do your homework on the sector before deciding.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how AFL compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 13.20 | Top 25% |
| Forward P/E | 15.19 | Above avg |
| PEG Ratio | 1.18 | Above avg |
| Price to Sales | 3.24 | Above avg |
| Price to Book | 1.97 | Above avg |
| EV/EBITDA | 11.22 | Top 25% |
| Earnings Yield | 7.58% | Top 25% |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 50.05% | Above avg |
| Operating Margin | 29.57% | Above avg |
| Net Profit Margin | 25.60% | Top 25% |
| Return on Equity | 16.47% | Above avg |
| Return on Invested Capital | 3.09% | Below avg |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 27.90% | Top 25% |
| Revenue Growth (3Y CAGR) | -3.23% | Below avg |
| EPS Growth (YoY) | 3860.00% | Top 25% |
| Free Cash Flow Growth | -5.62% | Average |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | 0.94 | Average |
| Debt to Equity | 0.48 | Top 25% |
| Interest Coverage | 21.60 | Top 25% |
| Altman Z-Score | — | N/A |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | 2.08% | Above avg |
| Payout Ratio | 26.86% | Above avg |
| Dividend Growth (5Y) | -1.56% | Top 25% |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | 4.99% | Above avg |
| OCF to Sales | 16.02% | Average |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 0.61 | Above avg |
| Volatility (30-Day) | 18.14% | Top 25% |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 2.30% | Above avg |
| Avg. Analyst Rating | 3.07 | Below avg |
| Target Upside % | -2.63% | Below avg |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 58.77B | Above avg |
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