Aflac Incorporated (AFL) — Stock Score Summary

Aflac Incorporated (AFL) has a MoatMap StockRank of 73/100 based on Quality (57/100), Value (39/100), and Momentum (61/100) factor scores. The current signal is BUY. Aflac is a stable financial services provider with a strong niche in cancer insurance, but it lacks any alignment with our core 18-month macro themes and does not offer the asymmetric upside required for this concentrated portfolio.

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$115.72
Market Cap$60.0B
P/E (TTM)13.18
P/E (Forward)15.16
Price/Book1.96
Return on Equity16.5%
Debt/Equity48.28
Gross Margin50.0%
Operating Margin29.6%
Revenue Growth27.9%
Dividend Yield2.1%
Free Cash Flow$4.9B

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 73/100, with a Buy signal. It is a composite of Quality (57), Value (39), and Momentum (61) factor ranks across MoatMap’s 19,000+ stock universe.
Does Aflac Incorporated have an economic moat?
Aflac Incorporated (AFL) has a Quality factor score of 57/100. 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 Buy, based on a StockRank of 73/100. 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).
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