Aflac Incorporated (afl)
AFL — Company Overview
Aflac Incorporated (AFL) trades on NYQ as part of the Financial Services peer group (Insurance - Life).
| Ticker | AFL |
| Sector | Financial Services |
| Industry | Insurance - Life |
| Exchange | NYQ |
| Market cap | $57.77B |
| Last price | $115.23 |
| Size category | Large Cap |
AFL — Business Description
AFL represents a Insurance - Life business in the Financial Services segment. 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…
Official website: https://www.aflac.com.
AFL — Investment Thesis
At a high level, AFL offers exposure to Financial Services with metrics outlined below from public market data.
- Revenue is contracting at roughly -1.0% year-over-year (public data).
- Trailing P/E of 12.36× sits in a moderate band relative to high-growth peers.
- Dividend yield near 2.1% adds an income component to total return.
- Equity market capitalization is approximately $57.77B.
See the free estimates and earnings pages for public targets and growth metrics. Ownership, live news, and deeper models remain in Vest Terminal.
AFL — Financial Health
Key financial health indicators for Aflac Incorporated are derived exclusively from public data — no proprietary estimates.
Profit margin of 26.9% indicates solid bottom-line conversion. Positive free cash flow of $5.15B supports balance-sheet flexibility.
| Trailing P/E | 12.36× |
| Forward P/E | 15.28× |
| Price / Sales | 3.20× |
| Price / Book | 1.91× |
| Gross margin | 50.9% |
| Operating margin | 25.7% |
| Profit margin | 26.9% |
| Return on equity | 16.9% |
| Debt / Equity | 53.37 |
| Free cash flow | $5.15B |
AFL — Growth Outlook
Growth outlook for Aflac Incorporated (AFL) depends on demand trends in Insurance - Life and the company's ability to convert revenue into sustainable earnings.
- Revenue decline of -1.0% highlights near-term demand headwinds.
- Earnings growth of 46.8% year-over-year supports improving profitability.
- Price is 11.5% below the 52-week high.
- Shares trade 9.3% above the 52-week low — limited rebound so far.
AFL — Competitive Position
Aflac Incorporated (AFL) is evaluated against peers on scale, margin structure, and capital efficiency within Financial Services.
- Competes within Financial Services, specifically in Insurance - Life.
- Market capitalization of $57.77B places AFL among large-cap peers.
- Gross margin near 50.9% may reflect pricing power or favorable mix.
AFL — Strengths
Strengths for Aflac Incorporated (AFL) inferred from public financial metrics:
- Earnings growth of 46.8% year-over-year.
- Return on equity near 16.9% — efficient use of shareholder capital.
- Gross margin of 50.9% supports competitive unit economics.
- Positive free cash flow ($5.15B).
- Dividend yield of 2.1% for income-oriented holders.
- Moderate leverage (debt/equity 53.37).
AFL — Weaknesses
Weaknesses and pressure points for Aflac Incorporated (AFL) based on available data:
- Revenue contraction of -1.0% year-over-year.
AFL — Opportunities
- Trading 9.3% above the 52-week low — potential recovery if fundamentals stabilize.
- Dividend yield of 2.1% appeals to total-return investors.
- Positive free cash flow enables reinvestment, debt reduction, or shareholder returns.
AFL — Risks
- Negative revenue growth may signal share loss or cyclical pressure.
AFL — Summary
Aflac Incorporated (AFL) is a large-cap Financial Services company focused on Insurance - Life, listed on NYQ. Last price $115.23 with market cap $57.77B. Trailing P/E 12.36×. Revenue declined -1.0% year-over-year per public data. Notable strengths include earnings growth of 46.8% year-over-year. Key watch items include revenue contraction of -1.0% year-over-year. Premium Terminal tools for Aflac Incorporated add ownership analytics, news, and richer estimate history beyond this public summary.
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Aflac Incorporated FAQ
What does Aflac Incorporated (AFL) do?
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…
What is AFL's P/E ratio?
Aflac Incorporated has a trailing P/E of 12.36× based on publicly available market data.
Does AFL pay a dividend?
Indicated dividend yield: 2.1%. Confirm ex-dates and payout history in Vest Terminal.
What sector is AFL in?
Aflac Incorporated is classified in Financial Services (Insurance - Life) on NYQ.
What is AFL's market capitalization?
Approximate market cap: $57.77B.
What are the main risks for AFL?
Key risks include negative revenue growth, among factors on this page.
What are the strengths of AFL?
Potential positives include earnings growth of 46.8% year-over-year, return on equity near 16.9% — efficient use of shareholder capital.
Where can I get analyst estimates for AFL?
Public analyst price targets and consensus for Aflac Incorporated are on the free /stocks/afl/estimates page. Deeper estimate history and models are available in Vest Terminal.