AFL

HoldFallen Favourite

Aflac Incorporated · Financial Services · United States · $57.8B · Avg Vol: $250M/d

Fallen Favourite: A good business that is expensive and falling. Wait for the price to catch up.

44
StockRank
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Quality
55
Value
40
Momentum
41
P/E (TTM)
12.5x
peers 12.4x
ROE
16.9%
peers 10.1%
D/E
0.5x
peers 0.4x
Dividend %
2.0%
trailing yield

ABOUT AFLAC INCORPORATED

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Aflac Incorporated is a leading provider of supplemental health and life insurance in the United States and Japan. The company specializes in voluntarily offered, payroll-deducted insurance products that pay cash benefits directly to policyholders. Aflac benefits from strong brand recognition, a unique distribution model, and high customer retention, establishing a strong competitive position in its niche markets.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue19.2B18.8B19.1B17.4B-3.2%18.1B16.7B17.0B-1.2%
EPS6.967.819.686.84-0.6%9.276.416.890.3%
Shares615.3M578.5M550.0M518.7M-15.7%501.3M———
Debt7.4B7.4B7.5B8.4B4.2%16.2B———
Equity20.1B22.0B26.1B29.5B13.6%————
Op CF3.9B3.2B2.7B2.6B-13.0%2.6B———
Inv CF-1.5B817.0M2.8B1.6B—————
Fin CF-3.6B-3.7B-3.5B-4.1B—————
Loading 1Y...
PRICE (1Y)-5.9%
11411611812012213 Aug3 Sep24 Sep
SMA 50SMA 200

Close
$114.01
RSI (14)
31.5
52-Week Range-12.0% from high
Low $103.27High $129.57

SCORE BREAKDOWN

Quality
55
ROIC (ROA)
3.1%*64.8
ROE
16.9%77.8
GP/Assets
7.9%68.2
Op. Margin
25.7%41.9
FCF/Assets
n/mN/A
Piotroski
321.1
Int. Cover
24.9x68.5
D/E Ratio
0.53x42.7
Current Ratio
0.89x24.7
Value
40
P/E (TTM)
12.5x50.1
EV/EBITDA
n/mN/A
P/FCF
n/mN/A
P/B
1.9x26.7
P/S
3.2x55.6
Div Yield
2.0%25.1
Momentum
41
52W High %
88%48.1
RS 6M
-10%41.2
SMA 50/200
1.05x59.6
EPS Rev 4W
-0.2%25.0
EPS Rev 12W
-0.8%31.5
EPS Improve
-19%12.6
Q Growth
38%66.5

FUNDAMENTALS

Market Cap
$57.8B
P/E (Forward)
15.4x
Gross Margin
50.9%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AFL are excluded.

TickerCompanyMkt CapStockRankSignal
AFLAflac Incorporated(you)$57.8B44Hold
032830.KSSamsung Life Insurance Co., Ltd.$38.6B41Hold
METMetLife, Inc.$61.8B55Hold
GWO.TOGreat-West Lifeco Inc.$58.9B58Hold
PRU.LPrudential plc$31.1B42Hold
0945.HKManulife Financial Corporation$72.2B55Hold
POW.TOPower Corporation of Canada$41.4B53Hold
2881.TWFubon Financial Holding Co., Ltd.$64.4B64Hold
1299.HKAIA Group Limited$99.7B57Hold
601318.SSPing An Insurance (Group) Company of China, Ltd.$126.0B53Hold

Peer medians: ROE 10.1% · P/E 12.4x · Gross margin 86.5%

Company Deep Dive

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Aflac Incorporated (AFL): Stock Score Summary

Aflac Incorporated (AFL) has a MoatMap StockRank of 44/100 based on Quality (55/100), Value (40/100), and Momentum (41/100) factor scores. The current signal is HOLD.

Aflac Incorporated is a leading provider of supplemental health and life insurance in the United States and Japan. The company specializes in voluntarily offered, payroll-deducted insurance products that pay cash benefits directly to policyholders. Aflac benefits from strong brand recognition, a unique distribution model, and high customer retention, establishing a strong competitive position in its niche markets.

Key Financial Metrics

Price$114.01
Market Cap$57.8B
P/E (TTM)12.55
P/E (Forward)15.43
Price/Book1.93
Return on Equity16.9%
Debt/Equity0.53x
Gross Margin50.9%
Operating Margin25.7%
Revenue Growth-1.0%
Dividend Yield2.0%
Free Cash Flow$5.2B

Aflac Incorporated operates in the Insurance - Life industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Aflac Incorporated’s (AFL) StockRank?
MoatMap’s StockRank for Aflac Incorporated (AFL) is 44/100, with a Hold signal. It is a composite of Quality (55), Value (40), and Momentum (41) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Aflac Incorporated have an economic moat?
Aflac Incorporated (AFL) has a Quality factor score of 55/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Aflac Incorporated a buy, hold, or sell?
MoatMap’s current signal for Aflac Incorporated (AFL) is Hold, based on a StockRank of 44/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Aflac Incorporated in?
Aflac Incorporated (AFL) operates in the Financial Services sector, specifically the Insurance - Life industry (United States).