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Home CompaniesAflac Incorporated

Aflac Incorporated

Financial Services Insurance - Life
PortfolioPortfolio WatchlistWatchlist
Company price
124.06 USD -2.18 ( 1.73%)
Last update at 2026-11-06T21:00:00Z
VOLUME
1946917
Market Cap
60781.49M
P/E
17.00

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
123.51
Low
125.80
High
52 Week Price Range
95.42
Low
118.69
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Aflac Incorporated is a US insurer selling supplemental health and life insurance primarily in Japan and the United States. Long-term growth may be supported by aging populations driving steady demand for supplemental coverage, scale in core markets, and an investment portfolio; investors may find it attractive for its market position and ability to support returns.

Principal risks include significant currency and geographic concentration from its Japan business, sensitivity of earnings to investment yields and market volatility, and underwriting, regulatory and competitive pressures that could affect margins and reserving.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
126.24
Dividend Yield
2.02%
Revenue TTM
17164.00M
Revenue Per Share
32.21
Gross Profit TTM
8006.00M
Debt / Equity
0.29
ROE
13.12%
Net Debt
2164.00M
ROCE
3.98%
Diluted EPS TTM
6.82

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 4533.00M 6417.00M 5262.00M 4869.00M 5322.00M
Net income 3646.00M 5443.00M 4659.00M 4418.00M 4325.00M
Selling general administrative 2451.00M 2790.00M 2928.00M 256.00M 287.00M
Selling and marketing expenses 246.00M 181.00M 188.00M - -
Gross profit 6788.00M 6815.00M 18841.00M 18865.00M 22106.00M
Ebit 4651.00M 6417.00M 5457.00M 5095.00M 5322.00M
Ebitda 5525.00M 6417.00M 5262.00M 4830.00M 5322.00M
Depreciation and amortization 874.00M - 39.00M -265.00M 1170.00M
Operating income 4641.00M 6417.00M 5262.00M 5095.00M 5322.00M
Other operating expenses 12797.00M 12711.00M 13579.00M 14271.00M 16784.00M
Interest expense 220.00M 197.00M 195.00M 226.00M 238.00M
Tax provision 887.00M 974.00M 875.00M 403.00M 997.00M
Interest income 220.00M 197.00M 195.00M 226.00M 238.00M
Net interest income -220.00M -197.00M -203.00M -226.00M -238.00M
Income tax expense 887.00M 974.00M 603.00M 451.00M 997.00M
Total revenue 17438.00M 19128.00M 18841.00M 19140.00M 22106.00M
Total operating expenses 2147.00M 398.00M 13579.00M -14045.00M -16784.00M
Cost of revenue 10650.00M 12313.00M - 275.00M -
Total other income expense net -108.00M 6190.00M -10274.00M -226.00M -238.00M
Net income from continuing ops 3646.00M 5443.00M 4370.00M 4201.00M 4325.00M
Net income applicable to common shares 3646.00M 5443.00M 4659.00M 4201.00M 4325.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 116470.00M 117566.00M 126724.00M 131738.00M 157542.00M
Intangible assets 9034.00M 8758.00M 9132.00M - -
Other current assets 718.00M -72277.00M -78444.00M 41518.00M 43721.00M
Total liab 86980.00M 91468.00M 104739.00M 111598.00M 124289.00M
Total stockholder equity 29490.00M 26098.00M 21985.00M 20140.00M 33253.00M
Other current liab -1368.00M -573.00M -577.00M 4236.00M 4339.00M
Common stock 136.00M 136.00M 136.00M 135.00M 135.00M
Capital stock 136.00M 136.00M 136.00M 135.00M 135.00M
Retained earnings 54682.00M 52277.00M 47993.00M 44367.00M 41381.00M
Other liab - - - 91714.00M 116333.00M
Good will 260.00M 263.00M 265.00M 265.00M 268.00M
Other assets - 117566.00M 126724.00M -45011.00M 157542.00M
Cash 6245.00M 6229.00M 4306.00M 3943.00M 5051.00M
Cash and equivalents 6245.00M 6229.00M 4306.00M 3943.00M 5051.00M
Total current liabilities - 573.00M 2210.00M 1296.00M 7956.00M
Net debt 2164.00M 1269.00M 3058.00M 3499.00M 2905.00M
Short term debt 0.00M 124.00M 52.00M 7442.00M 7956.00M
Short long term debt total 8409.00M 7498.00M 7364.00M 7442.00M 7956.00M
Other stockholder equity -26780.00M -23337.00M -20624.00M -17933.00M -15656.00M
Property plant equipment 351.00M 387.00M 445.00M 530.00M 538.00M
Total current assets 7798.00M 4021.00M 29071.00M 80331.00M 143671.00M
Long term investments 81128.00M 82031.00M 92197.00M 80556.00M 115061.00M
Net tangible assets - - - 22365.00M 33253.00M
Short term investments 64153.00M 65269.00M 73290.00M 75741.00M 98696.00M
Net receivables 835.00M 779.00M 848.00M 647.00M 693.00M
Long term debt 8409.00M 7402.00M 7240.00M 7442.00M 7839.00M
Inventory - - -78444.00M - -
Accounts payable - - - 1296.00M 4339.00M
Accumulated other comprehensive income 1452.00M -2978.00M -5520.00M -6429.00M 7393.00M
Common stock total equity - - - 135.00M 135.00M
Retained earnings total equity - - - 44568.00M 41381.00M
Treasury stock - - - -20574.00M -18185.00M
Non currrent assets other 1772.00M -91439.00M -92642.00M -96418.00M -142977.91M
Non current assets total 108672.00M 110558.00M 123553.00M 96418.00M 538.00M
Capital lease obligations 79.00M 96.00M 124.00M 147.00M 117.00M
Long term debt total 8409.00M 7326.00M 7243.00M 7442.00M 7851.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -985.00M 2781.00M 1536.00M -1534.00M -1125.00M
Change to liabilities - - - 103.00M 1094.00M
Total cashflows from investing activities 1561.00M 2781.00M 817.00M -1540.00M -2378.00M
Net borrowings 955.00M 629.00M 204.00M -222.00M 417.00M
Total cash from financing activities -4069.00M -3486.00M -3723.00M -3551.00M -2739.00M
Change to operating activities - - - 661.00M 976.00M
Net income 3646.00M 5443.00M 4659.00M 4201.00M 4325.00M
Change in cash 16.00M 1923.00M 363.00M -1108.00M -90.00M
Begin period cash flow 6229.00M 4306.00M 3943.00M 5051.00M 5141.00M
End period cash flow 6245.00M 6229.00M 4306.00M 3943.00M 5051.00M
Total cash from operating activities 2555.00M 2707.00M 3190.00M 3879.00M 5051.00M
Issuance of capital stock 8.00M 14.00M 11.00M 17.00M 26.00M
Depreciation - - 39.00M 1152.00M 1170.00M
Other cashflows from investing activities 1863.00M 1900.00M 95.00M -6.00M -1253.00M
Dividends paid 1198.00M 1087.00M 966.00M -979.00M -855.00M
Change to account receivables - 51.00M -133.00M 2.00M 72.00M
Sale purchase of stock -3530.00M -2800.00M -2801.00M -2401.00M -2301.00M
Other cashflows from financing activities -304.00M -242.00M -177.00M 1228.00M 1091.00M
Change to netincome - - - -525.00M -547.00M
Capital expenditures 0.00M 0.00M 0.00M 0.00M 0.00M
Change receivables - - - 2.00M 72.00M
Cash flows other operating - - - -1054.00M -1063.00M
Exchange rate changes - - - - -24.00M
Cash and cash equivalents changes - - - -1212.00M -90.00M
Change in working capital -1432.00M -644.00M -1652.00M 105.00M 1166.00M
Stock based compensation - - 79.00M 6.00M -
Other non cash items 341.00M -2092.00M 183.00M -427.00M -440.00M
Free cash flow 2555.00M 2707.00M 3190.00M 3879.00M 5051.00M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Life

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
AFL
Aflac Incorporated		 -2.18
1.73%		 124.06 17.00 14.53 3.54 2.00 3.76
PIAIF
Ping An Insurance		 -
-%		 5.96 5.78 5.15 0.13 0.85 1.31
CILJF
China Life Insurance Co Ltd		 -0.16
4.62%		 3.30 2.96 5.06 0.23 1.11 1.10
AAGIY
AIA Group Ltd ADR		 0.28
0.70%		 40.39 12.84 11.34 3.88 2.47 2.22
AAIGF
AIA Group Ltd		 -
-%		 10.08 12.45 10.93 3.86 2.38 2.21

Profile*

Aflac Incorporated

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.

1932 Wynnton Road, Columbus, GA, United States, 31999-7251

706 323 3431

https://www.aflac.com

12716

Name Title Year Born
Mr. Daniel Paul Amos Chairman & CEO 1952
Mr. Frederick John Crawford Pres & COO 1964
Mr. Max Kristian Broden Exec. VP & CFO 1979
Mr. Eric Mark Kirsch CFA Exec. VP, Global Chief Investment Officer & Pres of Aflac Asset Management LLC 1961
Ms. Audrey Boone Tillman Esq. Exec. VP & Gen. Counsel 1965
Ms. June Posey Howard CPA, CFA, CGMA Sr. VP of Financial Services & Chief Accounting Officer 1967
Mr. J. Peter Kelso Sr. VP and Chief Information & Technology Officer NA
Mr. Koichiro Yoshizumi EVP of Sales & Mrkt. and Director of Sales, Mrkt., Alliance Strategy - Aflac Life Insurance Japan 1962
Ms. Teresa Lynne White Pres of Aflac US 1967
Mr. James Todd Daniels Exec. VP, Director & CFO of Aflac Life Insurance Japan 1971

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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