Aflac Incorporated (AFL) Return on Assets (ROA): 3.86%
Is Aflac Incorporated’s return on assets (ROA) high or low?
Aflac Incorporated's return on assets (ROA) of 3.86% is 14% above its 5-year average of 3.39%, around the middle of its 5-year range (2.69%–4.63%).
As of Friday, June 12, 2026. 0.52% below its 12-month average of 3.88%.
AFL Return on Assets (ROA) Chart
AFL Average Return on Assets (ROA) Chart
AFL Current vs Average Return on Assets (ROA) Chart
AFL Return on Assets (ROA) Metrics
RETURN ON ASSETS (ROA)
3.86%
RETURN ON ASSETS (ROA) AVG TTM
3.88%
RETURN ON ASSETS (ROA) AVG 3Y
3.70%
RETURN ON ASSETS (ROA) AVG 5Y
3.39%
RETURN ON ASSETS (ROA) AVG 10Y
2.92%
RETURN ON ASSETS (ROA) AVG 15Y
2.71%
RETURN ON ASSETS (ROA) AVG 20Y
2.59%
CURRENT VS TTM AVG
-0.52%
CURRENT VS 3Y AVG
+4.39%
CURRENT VS 5Y AVG
+13.70%
CURRENT VS 10Y AVG
+32.03%
CURRENT VS 15Y AVG
+42.37%
CURRENT VS 20Y AVG
+49.20%
AFL Competitors' Return on Assets (ROA)
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Aflac Incorporated (AFL) | $59.27B | 3.86% | 3.88% | 3.70% | 3.39% |
| Arthur J. Gallagher & Co. (AJG) | $56.76B | 2.06% | 2.19% | 2.29% | 2.59% |
| The Allstate Corporation (ALL) | $56.52B | 9.80% | 6.38% | 2.82% | 2.89% |
| MetLife, Inc. (MET) | $56.35B | 0.49% | 0.55% | 0.53% | 0.62% |
| The Travelers Companies, Inc. (TRV) | $64.62B | 5.34% | 4.06% | 3.24% | 3.05% |
| Discover Financial Services (DFS) | $50.34B | 3.24% | 2.46% | 3.29% | 2.79% |
| Aon plc (AON) | $71.57B | 7.66% | 6.35% | 7.04% | 6.37% |
| State Street Corporation (STT) | $46.22B | 0.78% | 0.78% | 0.78% | 0.79% |
| State Street SPDR Dow Jones Industrial Average ETF Trust (DIA) | $44.76B | N/A | N/A | N/A | N/A |
| MSCI Inc. (MSCI) | $43.27B | 23.80% | 20.73% | 19.92% | 17.86% |
Asset Efficiency
ROA
3.9%
ROE
20.7%
Aflac Incorporated Return on Assets (ROA) Formula & Definition
ROA = Net Income / Total Assets
Return on assets measures how efficiently a company generates profit from its total assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Aflac Incorporated Return on Assets (ROA) FAQ
- What is the return on assets (ROA) for Aflac Incorporated (AFL)?
- The return on assets (ROA) for AFL stock is 3.86%.
- Is Aflac Incorporated's return on assets (ROA) high or low?
- Aflac Incorporated's return on assets (ROA) of 3.86% is 14% above its 5-year average of 3.39%, around the middle of its 5-year range (2.69%–4.63%).
- What is the TTM average return on assets (ROA) for Aflac Incorporated (AFL)?
- The TTM average return on assets (ROA) for AFL stock is 3.88%.
- What is the 3Y average return on assets (ROA) for Aflac Incorporated (AFL)?
- The 3Y average return on assets (ROA) for AFL stock is 3.70%.
- What is the 5Y average return on assets (ROA) for Aflac Incorporated (AFL)?
- The 5Y average return on assets (ROA) for AFL stock is 3.39%.
- What is the 10Y average return on assets (ROA) for Aflac Incorporated (AFL)?
- The 10Y average return on assets (ROA) for AFL stock is 2.92%.
- What is the 15Y average return on assets (ROA) for Aflac Incorporated (AFL)?
- The 15Y average return on assets (ROA) for AFL stock is 2.71%.
- What is the 20Y average return on assets (ROA) for Aflac Incorporated (AFL)?
- The 20Y average return on assets (ROA) for AFL stock is 2.59%.
Aflac Incorporated Return on Assets (ROA) History
| DATE | RETURN ON ASSETS (ROA) |
|---|---|
| 2025-12-31 | 3.13% |
| 2024-12-31 | 4.63% |
| 2023-12-31 | 3.68% |
| 2022-12-31 | 3.35% |
| 2021-12-31 | 2.69% |
| 2020-12-31 | 2.89% |
| 2019-12-31 | 2.16% |
| 2018-12-31 | 2.08% |
| 2017-12-31 | 3.36% |
| 2016-12-31 | 2.05% |
| 2015-12-31 | 2.14% |
| 2014-12-31 | 2.46% |
| 2013-12-31 | 2.60% |
| 2012-12-31 | 2.19% |
| 2011-12-31 | 1.67% |
| 2010-12-31 | 2.30% |
| 2009-12-31 | 1.78% |
| 2008-12-31 | 1.58% |
| 2007-12-31 | 2.48% |
| 2006-12-31 | 2.48% |
| 2005-12-31 | 2.63% |
| 2004-12-31 | 2.13% |
| 2003-12-31 | 1.51% |
| 2002-12-31 | 1.82% |
| 2001-12-31 | 1.81% |
| 2000-12-31 | 1.85% |
| 1999-12-31 | 1.54% |
| 1998-12-31 | 1.56% |
| 1997-12-31 | 1.99% |
| 1996-12-31 | 1.57% |
Related Metrics
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