Sector note: Free-cash-flow and enterprise-value multiples (P/FCF, FCF yield, EV/EBITDA, EV/EBIT) are omitted — they aren't meaningful for banks and insurers, whose deposits and reserves a standard model misreads as debt. Book value (P/B), ROE and net interest margin are the right lenses here.
AFL Valuation Metrics
AFL Stock Price Metrics
AFL Dividend Metrics
AFL Growth Rate Metrics
AFL Discounted Cash Flow Metrics
| Fair Value Price | - |
| Margin of Safety | - |
AFL Revenue Metrics
AFL PE Ratio Metrics
| PE Ratio | 13.20 |
| PE Ratio Avg TTM | 17.52 |
| PE Ratio Avg 3Y | 13.61 |
| Current VS TTM Avg | -24.66% |
| Current VS 3Y Avg | -2.99% |
| Current VS 5Y Avg | +13.09% |
AFL PS Ratio Metrics
| PS Ratio | 3.27 |
| PS Ratio Avg TTM | 3.38 |
| PS Ratio Avg 3Y | 3.02 |
| Current VS TTM Avg | -3.38% |
| Current VS 3Y Avg | +8.26% |
| Current VS 5Y Avg | +27.72% |
AFL PB Ratio Metrics
| PB Ratio | 2.65 |
| PB Ratio Avg TTM | 2.14 |
| PB Ratio Avg 3Y | 2.22 |
| Current VS TTM Avg | +24.04% |
| Current VS 3Y Avg | +19.51% |
| Current VS 5Y Avg | +38.72% |
AFL Debt to Equity Ratio Metrics
| Debt/Equity Ratio | 0.29 |
| Debt/Equity Ratio Avg TTM | 0.29 |
| Debt/Equity Ratio Avg 3Y | 0.32 |
| Current VS TTM Avg | 0.00% |
| Current VS 3Y Avg | -9.38% |
| Current VS 5Y Avg | -1.14% |
AFL PEG Ratio Metrics
| PEG Ratio | 0.44 |
| PEG Ratio Avg TTM | 0.44 |
| PEG Ratio Avg 3Y | 0.44 |
| Current VS TTM Avg | 0.00% |
| Current VS 3Y Avg | 0.00% |
| Current VS 5Y Avg | 0.00% |
AFL Earnings Yield
| Earnings Yield | 7.58% |
| Earnings Yield Avg TTM | 5.99% |
| Earnings Yield Avg 3Y | 7.91% |
| Current VS TTM Avg | +26.50% |
| Current VS 3Y Avg | -4.16% |
| Current VS 5Y Avg | -19.28% |
AFL Current Ratio Metrics
| Current Ratio | 161.74 |
| Current Ratio Avg TTM | 144.22 |
| Current Ratio Avg 3Y | 178.11 |
| Current VS TTM Avg | +12.15% |
| Current VS 3Y Avg | -9.19% |
| Current VS 5Y Avg | -9.19% |
AFL Quick Ratio Metrics
| Quick Ratio | 161.74 |
| Quick Ratio Avg TTM | 144.22 |
| Quick Ratio Avg 3Y | 178.11 |
| Current VS TTM Avg | +12.15% |
| Current VS 3Y Avg | -9.19% |
| Current VS 5Y Avg | -9.19% |
AFL ROIC Metrics
| ROIC | 3.21% |
| ROIC Avg 3Y | 0.80% |
| ROIC Avg 5Y | 0.96% |
| Current VS 3Y Avg | +300.00% |
| Current VS 5Y Avg | +236.13% |
| Current VS 10Y Avg | +106.61% |
AFL Return on Assets Metrics
| ROA | 3.13 |
| ROA Avg TTM | 3.88 |
| ROA Avg 3Y | 3.70 |
| Current VS TTM Avg | -19.33% |
| Current VS 3Y Avg | -15.35% |
| Current VS 5Y Avg | -7.81% |
AFL Return on Equity Metrics
| ROE | 12.36 |
| ROE Avg TTM | 16.61 |
| ROE Avg 3Y | 19.09 |
| Current VS TTM Avg | -25.59% |
| Current VS 3Y Avg | -35.25% |
| Current VS 5Y Avg | -28.22% |
AFL Net Profit Margin Metrics
| Net Profit Margin | 20.91% |
| Net Profit Margin Avg TTM | 24.69% |
| Net Profit Margin Avg 3Y | 24.29% |
| Current VS TTM Avg | -15.29% |
| Current VS 3Y Avg | -13.92% |
| Current VS 5Y Avg | -9.26% |
Last Updated: Tuesday, June 9, 2026
About Aflac Incorporated
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.
- Sector
- Financial Services
- Industry
- Insurance - Life
- CEO
- Daniel Paul Amos