Aflac Incorporated (AFL) Return on Equity (ROE): 20.66%
Is Aflac Incorporated’s return on equity (ROE) high or low?
Aflac Incorporated's return on equity (ROE) of 20.66% is 20% above its 5-year average of 17.22%, near the high end of its 5-year range (12.36%–21.94%).
As of Thursday, June 11, 2026. 24.38% above its 12-month average of 16.61%.
AFL Return on Equity (ROE) Chart
AFL Average Return on Equity (ROE) Chart
AFL Current vs Average Return on Equity (ROE) Chart
AFL Return on Equity (ROE) Metrics
RETURN ON EQUITY (ROE)
20.66%
RETURN ON EQUITY (ROE) AVG TTM
16.61%
RETURN ON EQUITY (ROE) AVG 3Y
19.09%
RETURN ON EQUITY (ROE) AVG 5Y
17.22%
RETURN ON EQUITY (ROE) AVG 10Y
15.78%
RETURN ON EQUITY (ROE) AVG 15Y
16.52%
RETURN ON EQUITY (ROE) AVG 20Y
16.96%
CURRENT VS TTM AVG
+24.38%
CURRENT VS 3Y AVG
+8.24%
CURRENT VS 5Y AVG
+19.99%
CURRENT VS 10Y AVG
+30.90%
CURRENT VS 15Y AVG
+25.06%
CURRENT VS 20Y AVG
+21.84%
AFL Competitors' Return on Equity (ROE)
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Aflac Incorporated (AFL) | $59.61B | 20.66% | 16.61% | 19.09% | 17.22% |
| The Allstate Corporation (ALL) | $57.49B | 38.43% | 27.68% | 11.73% | 11.97% |
| Arthur J. Gallagher & Co. (AJG) | $56.56B | 6.78% | 6.83% | 8.71% | 9.79% |
| MetLife, Inc. (MET) | $55.42B | 13.24% | 14.02% | 12.74% | 11.40% |
| The Travelers Companies, Inc. (TRV) | $64.51B | 23.77% | 18.53% | 15.56% | 14.03% |
| Discover Financial Services (DFS) | $50.34B | 25.29% | 22.47% | 29.21% | 25.38% |
| Aon plc (AON) | $71.83B | 40.09% | 41.44% | -179.24% | -90.39% |
| State Street Corporation (STT) | $45.63B | 11.05% | 10.59% | 10.09% | 9.91% |
| State Street SPDR Dow Jones Industrial Average ETF Trust (DIA) | $44.30B | N/A | N/A | N/A | N/A |
| MSCI Inc. (MSCI) | $43.23B | -45.29% | -81.64% | -101.23% | -164.13% |
Return Analysis
ROE
20.7%
ROA
3.9%
Aflac Incorporated Return on Equity (ROE) Formula & Definition
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Aflac Incorporated Return on Equity (ROE) FAQ
- What is the return on equity (ROE) for Aflac Incorporated (AFL)?
- The return on equity (ROE) for AFL stock is 20.66%.
- Is Aflac Incorporated's return on equity (ROE) high or low?
- Aflac Incorporated's return on equity (ROE) of 20.66% is 20% above its 5-year average of 17.22%, near the high end of its 5-year range (12.36%–21.94%).
- What is the TTM average return on equity (ROE) for Aflac Incorporated (AFL)?
- The TTM average return on equity (ROE) for AFL stock is 16.61%.
- What is the 3Y average return on equity (ROE) for Aflac Incorporated (AFL)?
- The 3Y average return on equity (ROE) for AFL stock is 19.09%.
- What is the 5Y average return on equity (ROE) for Aflac Incorporated (AFL)?
- The 5Y average return on equity (ROE) for AFL stock is 17.22%.
- What is the 10Y average return on equity (ROE) for Aflac Incorporated (AFL)?
- The 10Y average return on equity (ROE) for AFL stock is 15.78%.
- What is the 15Y average return on equity (ROE) for Aflac Incorporated (AFL)?
- The 15Y average return on equity (ROE) for AFL stock is 16.52%.
- What is the 20Y average return on equity (ROE) for Aflac Incorporated (AFL)?
- The 20Y average return on equity (ROE) for AFL stock is 16.96%.
Aflac Incorporated Return on Equity (ROE) History
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2025-12-31 | 12.36% |
| 2024-12-31 | 20.86% |
| 2023-12-31 | 21.19% |
| 2022-12-31 | 21.94% |
| 2021-12-31 | 12.72% |
| 2020-12-31 | 14.24% |
| 2019-12-31 | 11.41% |
| 2018-12-31 | 12.45% |
| 2017-12-31 | 18.90% |
| 2016-12-31 | 12.98% |
| 2015-12-31 | 14.57% |
| 2014-12-31 | 15.77% |
| 2013-12-31 | 21.60% |
| 2012-12-31 | 17.94% |
| 2011-12-31 | 14.34% |
| 2010-12-31 | 21.06% |
| 2009-12-31 | 17.79% |
| 2008-12-31 | 18.89% |
| 2007-12-31 | 18.58% |
| 2006-12-31 | 17.78% |
| 2005-12-31 | 18.71% |
| 2004-12-31 | 16.72% |
| 2003-12-31 | 11.56% |
| 2002-12-31 | 12.84% |
| 2001-12-31 | 12.66% |
| 2000-12-31 | 14.64% |
| 1999-12-31 | 14.76% |
| 1998-12-31 | 12.92% |
| 1997-12-31 | 17.05% |
| 1996-12-31 | 18.54% |
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