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Aflac Incorporated AFL

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125.64 USD +1.60 (+1.29%)

Nov 4, 2026, 1:39 PM EST

123.60 Day range 125.66
106.20 52-week range 129.55
YTD
+13.94%
1 year
+15.47%

Financial health

Altman Z-Score

2.43 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 2
  • P/B 2

Valuation

P/E 16.1×
FY 2016: 10.8×FY 2017: 8.0×FY 2018: 12.0×FY 2019: 11.9×FY 2020: 6.6×FY 2021: 9.1×FY 2022: 10.3×FY 2023: 10.6×FY 2024: 10.7×FY 2025: 16.1×
FY 2016 5y median 10.6× FY 2025
P/S 3.4×
FY 2016: 1.3×FY 2017: 1.6×FY 2018: 1.6×FY 2019: 1.8×FY 2020: 1.4×FY 2021: 1.8×FY 2022: 2.4×FY 2023: 2.6×FY 2024: 3.0×FY 2025: 3.4×
FY 2016 5y median 2.6× FY 2025
P/B 2.0×
FY 2016: 1.4×FY 2017: 1.4×FY 2018: 1.5×FY 2019: 1.4×FY 2020: 0.9×FY 2021: 1.2×FY 2022: 2.3×FY 2023: 2.2×FY 2024: 2.2×FY 2025: 2.0×
FY 2016 5y median 2.2× FY 2025
P/FCF 22.9×
FY 2016: 4.8×FY 2017: 5.7×FY 2018: 5.8×FY 2019: 7.2×FY 2020: 5.3×FY 2021: 7.8×FY 2022: 11.8×FY 2023: 15.4×FY 2024: 21.3×FY 2025: 22.9×
FY 2016 5y median 15.4× FY 2025
EV/EBITDA 10.9×
FY 2016: 7.2×FY 2017: 9.1×FY 2018: 9.2×FY 2019: 9.2×FY 2020: 8.3×FY 2021: 8.1×FY 2022: 10.1×FY 2023: 9.9×FY 2024: 9.2×FY 2025: 10.9×
FY 2016 5y median 9.9× FY 2025
EV/Sales 3.5×
FY 2016: 1.3×FY 2017: 1.7×FY 2018: 1.7×FY 2019: 1.8×FY 2020: 1.5×FY 2021: 2.0×FY 2022: 2.6×FY 2023: 2.8×FY 2024: 3.1×FY 2025: 3.5×
FY 2016 5y median 2.8× FY 2025
FCF Yield 4.4%
FY 2016: 20.9%FY 2017: 17.6%FY 2018: 17.2%FY 2019: 13.9%FY 2020: 18.8%FY 2021: 12.8%FY 2022: 8.5%FY 2023: 6.5%FY 2024: 4.7%FY 2025: 4.4%
FY 2016 5y median 6.5% FY 2025

Profitability

Gross Margin 38.9%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 35.6%FY 2025: 38.9%
FY 2016 5y median 100.0% FY 2025
Operating Margin 26.6%
FY 2016: 18.1%FY 2017: 18.6%FY 2018: 18.3%FY 2019: 20.0%FY 2020: 18.7%FY 2021: 24.2%FY 2022: 25.4%FY 2023: 27.9%FY 2024: 33.5%FY 2025: 26.6%
FY 2016 5y median 26.6% FY 2025
Net Margin 20.9%
FY 2016: 11.8%FY 2017: 21.3%FY 2018: 13.5%FY 2019: 14.9%FY 2020: 21.5%FY 2021: 19.6%FY 2022: 23.1%FY 2023: 24.7%FY 2024: 28.5%FY 2025: 20.9%
FY 2016 5y median 23.1% FY 2025
ROE 12.4%
FY 2016: 13.0%FY 2017: 18.9%FY 2018: 12.4%FY 2019: 11.4%FY 2020: 14.2%FY 2021: 12.7%FY 2022: 21.9%FY 2023: 21.2%FY 2024: 20.9%FY 2025: 12.4%
FY 2016 5y median 20.9% FY 2025
ROIC 3.4%
FY 2016: 2.0%FY 2017: 2.9%FY 2018: 2.1%FY 2019: 2.2%FY 2020: 2.5%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 3.4%
FY 2016 5y median 0.0% FY 2025
ROA 3.1%
FY 2016: 2.0%FY 2017: 3.4%FY 2018: 2.1%FY 2019: 2.2%FY 2020: 2.9%FY 2021: 2.7%FY 2022: 3.4%FY 2023: 3.7%FY 2024: 4.6%FY 2025: 3.1%
FY 2016 5y median 3.4% FY 2025

Growth (YoY)

Revenue -8.8%
FY 2016: 8.1%FY 2017: -4.0%FY 2018: 0.5%FY 2019: 2.5%FY 2020: 0.1%FY 2021: -3.2%FY 2022: -11.1%FY 2023: -1.6%FY 2024: 1.5%FY 2025: -8.8%
FY 2016 FY 2025
Operating Income -27.7%
FY 2016: 5.3%FY 2017: -1.2%FY 2018: -0.9%FY 2019: 11.6%FY 2020: -6.4%FY 2021: 25.2%FY 2022: -6.5%FY 2023: 8.1%FY 2024: 21.9%FY 2025: -27.7%
FY 2016 FY 2025
EPS (diluted) -29.1%
FY 2016: 9.6%FY 2017: 70.7%FY 2018: -31.2%FY 2019: 17.5%FY 2020: 50.6%FY 2021: -4.2%FY 2022: 8.5%FY 2023: 12.3%FY 2024: 23.8%FY 2025: -29.1%
FY 2016 FY 2025
Free Cash Flow -5.6%
FY 2016: -11.6%FY 2017: 2.4%FY 2018: -1.9%FY 2019: -9.3%FY 2020: 9.2%FY 2021: -15.2%FY 2022: -23.2%FY 2023: -17.8%FY 2024: -15.1%FY 2025: -5.6%
FY 2016 FY 2025

Financial Health

Current Ratio 12.4×
FY 2016: 127×FY 2017: 162×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 12.4×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 12.4×
FY 2016: 127×FY 2017: 162×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 12.4×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.3×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 0.4×
FY 2016: 0.1×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.7×FY 2021: 0.6×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 0.2×FY 2025: 0.4×
FY 2016 5y median 0.6× FY 2025
Interest Coverage 21.1×
FY 2016: 15.2×FY 2017: 16.7×FY 2018: 17.9×FY 2019: 19.5×FY 2020: 17.2×FY 2021: 21.9×FY 2022: 21.5×FY 2023: 27.0×FY 2024: 32.6×FY 2025: 21.1×
FY 2016 5y median 21.9× FY 2025

Dividends

Dividend Yield 2.0%
FY 2016: 2.3%FY 2017: 1.9%FY 2018: 2.3%FY 2019: 2.0%FY 2020: 2.4%FY 2021: 2.2%FY 2022: 2.1%FY 2023: 2.0%FY 2024: 1.9%FY 2025: 2.0%
FY 2016 5y median 2.0% FY 2025
Payout Ratio 32.9%
FY 2016: 24.7%FY 2017: 14.4%FY 2018: 27.2%FY 2019: 23.3%FY 2020: 16.1%FY 2021: 20.2%FY 2022: 22.2%FY 2023: 20.7%FY 2024: 20.0%FY 2025: 32.9%
FY 2016 5y median 20.7% FY 2025

Annual · latest fiscal year ends 2025-12-31