Is Aflac Incorporated (AFL) Overvalued?
We dive into why Aflac Incorporated (AFL) could be considered overvalued on 2026-07-15, based on AAII’s Value Score and Grade.Tudor Pop
A+ Stock Grade Summary:
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COMPANY SUMMARY
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan. Its Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company also provides hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as cafeteria plans. It sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.
Commentary & Analysis
Which Is a Better Investment, Aflac Incorporated or Cincinnati Financial Corporation Stock?
Learn more about whether Aflac Incorporated or Cincinnati Financial Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Why Aflac Incorporated’s (AFL) Stock Is Down 5.47%
As of Thursday, April 30, Aflac Incorporated’s AFL share price has dipped by 5.47%, which has investors questioning if this is right time to buy.Rosalio Madrigal
What You Need to Know About Aflac Incorporated's Q2 Earnings
Aflac Incorporated's fiscal Q2 earnings report was released on Wednesday, April 29. Let's dive in to see if (AFL) missed or beat analyst's expectations.Jenna Brashear
Is Aflac Incorporated (AFL) Stock a Good Investment?
Learn more about Aflac Incorporated's (AFL) stock grades for Value, Momentum, Growth and Estimate Revisions and determine whether this Insurance stock meets your investment needs.Omar Beirat
Financial Summary
| Share Statistics | AFL | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $64,824.3 | $7,044.0 | 95% |
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| Shares Out (Mil) | 514.8 | 66.0 | 89% |
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| Institutional Ownership | 98.9% | 81.8% | 83% |
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| Float (Mil) | 504.6 | 67.4 | 85% |
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| Beta | 0.60 | 0.51 | 34% |
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| Avg Daily Volume (000s) | 1,990 | 195 | 82% |
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| Price Change (52-week) |
26.3% | 91.0% | 67% |
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| Growth | AFL | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | (5.0%) | 5.6% | 9% |
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| Net Income (5yr) | (5.3%) | 14.5% | 33% |
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| EPS (5yr) | 0.4% | 15.6% | 31 |
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| Dividends (5yr) | 15.7% | 3.8% | 92% |
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| Cash Flow (5yr) | (38.5%) | (14.5%) | 12% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 13 | 15 | 14 | |
| Current EPS | $1.758 | $7.018 | $7.546 | |
| Month Ago EPS | $1.772 | $7.044 | $7.593 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 1 | 1 | 0 | |
| Three Months Ago EPS | $1.790 | $7.140 | $7.723 | |
| Year/Year Chg | (11.2%) | 2.9% | 17.0% | |
| Financials | AFL | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $18,112 | $5,065 | 90% |
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| Net Income (TTM) (Mil) | $4,636 | $534 | 97% |
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| EPS (TTM) | $8.831 | $2.500 | 93% |
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| Operating Cash Flow (TTM) (Mil) | $2,934 | $484 | 91% |
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| Net Cash Flow (TTM) (Mil) | $423 | $9 | 90% |
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| Long-Term Debt (Q1) (Mil) | $7,609 | $844 | 89% |
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| Enterprise Value (Q1) (Mil) | $71,715 | $7,174 | 94% |
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| Valuation | AFL | Industry Median |
Percentile (All Stocks) |
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| P/B | 2.17 | 1.77 | 53% |
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| P/E | 14.5 | 12.9 | 34% |
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| Dividend Yield | 1.9% | 0.9% | 75% |
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| PEG (5yr hist) | 36.2 | 0.5 | 99% |
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| Ratios | AFL | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 50.0% | 33.4% | 62% |
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| Net Margin | 25.6% | 9.8% | 84% |
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| ROA | 3.9% | 2.7% | 67% |
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| ROE | 16.5% | 14.8% | 74% |
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| Liabilities to Assets | 74.2% | 76.7% | 70% |
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| F-Score | 6 | 6 | 69% |
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Passing Stock Screens
As of 7/30/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
