AFL
Premium GrowerAflac Incorporated · Financial Services · United States · $60.4B cap · $215.7M/day traded
$126.64 +1.1% · close 10 Nov · scored 11 Nov
Score up 1.2 since 10 Nov.
Premium Grower: Strong business with the market behind it, priced at a premium.
After its 4 Nov results, analysts raised next year's EPS estimate 0.9%.
As of 11 Nov 2026, the MoatMap Score for Aflac Incorporated (AFL) is 46/100, ranked against 25,000+ stocks in 38 markets (Quality 51, Value 28, Momentum 60, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
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)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19.2B | 18.8B | 19.1B | 17.4B | -3.2% | 16.6B | 16.9B | 17.1B | -0.9% |
| EPS | 6.96 | 7.81 | 9.68 | 6.84 | -0.6% | 6.85 | 6.69 | 7.02 | 1.3% |
| Shares | 615.3M | 578.5M | 550.0M | 518.7M | -15.7% | 494.6M | — | — | — |
| Debt | 7.4B | 7.4B | 7.5B | 8.4B | 4.2% | 8.9B | — | — | — |
| Equity | 20.1B | 22.0B | 26.1B | 29.5B | 13.6% | — | — | — | — |
| Op CF | 3.9B | 3.2B | 2.7B | 2.6B | -13.0% | 2.6B | — | — | — |
| Inv CF | -1.5B | 817.0M | 2.8B | 1.6B | — | — | — | — | — |
| Fin CF | -3.6B | -3.7B | -3.5B | -4.1B | — | — | — | — | — |
Above its 200-day average and 3% below its 52-week high.
Calmer than 95% of stocks we rank over the past year (volatility 17% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AFL are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| AFL | Aflac Incorporated(you) | $60.4B | 46 |
| GWO.TO | Great-West Lifeco Inc. | $57.5B | 52 |
| MFC | Manulife Financial Corporation | $73.2B | 50 |
| 032830.KS | Samsung Life Insurance Co., Ltd. | $33.2B | 47 |
| 601601.SS | China Pacific Insurance (Group) Co., Ltd. | $41.7B | 52 |
| POW.TO | Power Corporation of Canada | $41.4B | 54 |
| 1299.HK | AIA Group Limited | $93.4B | 53 |
| 2318.HK | Ping An Insurance (Group) Company of China, Ltd. | $113.2B | 49 |
| 2378.HK | Prudential plc | $28.8B | 49 |
| 601336.SS | New China Life Insurance Company Ltd. | $23.9B | 44 |
Peer medians: ROE 10.2% · P/E 12.0x · Gross margin 69.2%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.