Aflac (AFL) Stock Price

Aflac Price

NYSE·CLOSED
112.74
​
Market closed

Revenue has compounded at 0.9% per year over the past 19 years to 17.44 B USD. Earnings per share have grown at 8.4% per year over the last 19 years. Aflac's net margin stands at 20.9%, up from 19.6% several years earlier. Aflac currently offers a dividend yield of about 2.06%. The payout ratio is around 34% of earnings. The dividend has grown at 11.9% per year over the past 19 years. Analysts set a median price target of 120.00 USD, implying 6.4% above the current price. Of 24 analysts, 3 rate the stock a buy — an overall Hold consensus.

Aflac stock price

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Aflac business model & stock analysis

Aflac Inc is an American insurance company that was founded in 1955. The company is headquartered in Columbus, Georgia, and operates worldwide with its products and services. The name Aflac is an abbreviation for American Family Life Assurance Company. History Aflac was founded by the brothers John, Paul, and Bill Amos, who had a business idea that would allow families to protect themselves against unforeseen events. The idea came about when the brothers were in Japan and saw how a similar concept was very successful. In 1958, Aflac began offering health insurance in the United States and quickly became successful. The company expanded its portfolio to include accident and life insurance and became one of the largest providers of voluntary supplemental insurance in the United States in the 1980s. Business model Aflac specializes in voluntary supplemental insurance – products that customers take out themselves to protect themselves against specific risks. Essentially, the insurance involves payments that are paid out in certain events such as illness, injury, or death. These payments can be used to cover costs that are not covered by regular health insurance, such as deductibles or salary loss. An important aspect of Aflac's business model is targeting the right audience. The company focuses on employees of small businesses and self-employed individuals who often do not have the protection and benefits that large companies offer their employees. Aflac utilizes a distribution channel that relies on independent agents to sell the company's products directly to the target audience. The different divisions Aflac offers a variety of products in different divisions. The three main divisions are health insurance, accident insurance, and life insurance. Health insurance Aflac's health insurance products aim to fill the insurance gaps of regular health policies. They cover costs that are not covered by traditional policies, such as deductibles or medication costs. The insurances are designed to help customers reduce their financial burden when they become ill or injured. Accident insurance Accident insurance covers damages caused by an accident. The product aims to fill the gaps in a customer's regular health insurance or disability insurance. The insurance can help provide cash to cover medical, rehabilitative, and other additional expenses such as bills related to vital and hospital visits. Life insurance Aflac's life insurance products provide customers with financial security in cases such as death or serious illness, which often have a negative financial impact on the family. The insurance can help provide funds to continue lifestyle and ongoing bills. Products Aflac offers a variety of specialized insurance products such as cancer insurance, intensive care insurance, hospital insurance, dental accident insurance, life and accident insurance, short-term disability insurance, and long-term care insurance. These products offer solutions for specific needs and provide valuable benefits to their customers. Summary Aflac Inc offers specialized voluntary supplemental insurance to protect customers against specific risks not covered by traditional policies. The company utilizes a distribution channel that relies on independent agents and focuses on small businesses and self-employed individuals. Aflac has successful health, accident, and life insurance products as well as a variety of specialized insurances to fulfill specific needs and provide valuable benefits to customers. Aflac strives to financially protect its customers when unforeseen events occur and aims to fill the gaps in regular health insurance.

Frequently asked questions about Aflac

Aflac Inc's business model revolves around providing supplemental insurance products and services. As a renowned insurance company, Aflac offers individuals and companies options to protect themselves financially against unexpected medical expenses. Their unique approach involves offering policies that pay policyholders cash benefits directly, providing financial assistance to cover costs that regular insurance plans may not address. Aflac's core strategy focuses on creating sustainable growth through innovation, customer-centricity, and strong partnerships. With their dedicated commitment to helping individuals and businesses mitigate financial risks, Aflac Inc remains a trusted leader in the insurance industry.

Aflac Inc is primarily active in the insurance industry.

The main competitors of Aflac Inc in the market include major insurance companies such as MetLife, Prudential Financial, and Allstate Corporation. These companies also offer a range of insurance products and services, including supplemental health and life insurance. Competing with Aflac in the market, these companies aim to provide similar coverage options and attract potential customers seeking insurance solutions. However, Aflac Inc, known for its extensive expertise and unique approach to supplemental insurance, remains one of the leading players in the industry, offering competitive benefits and customer-centric solutions.

Aflac Inc, an American insurance company, was founded in 1955 and is headquartered in Columbus, Georgia. With its iconic duck mascot, Aflac has become a major provider of supplemental insurance products. The company specializes in insuring policyholders against costs associated with illnesses and accidents, offering products such as cancer insurance, disability insurance, and hospital indemnity plans. Aflac has grown into a Fortune 500 company and expanded its operations globally, serving millions of customers worldwide. Aflac Inc has a strong reputation for its commitment to ethical business practices, innovation, and corporate social responsibility initiatives.

Aflac Inc., a reputable insurance company, has achieved numerous significant milestones throughout its history. Some notable achievements include becoming the largest provider of supplemental insurance products to consumers in Japan and the United States, successfully launching its brand in multiple international markets, being recognized as a Fortune 500 company, and consistently delivering sustainable growth in its financial performance. Aflac Inc. has also earned a reputation for its commitment to corporate social responsibility, receiving recognition for its ethical business practices and philanthropic efforts. With a strong track record and a solid presence in the insurance industry, Aflac Inc. continues to excel and provide value to its customers and shareholders alike.

Aflac Inc is primarily present in the United States and Japan.

Aflac Inc represents strong values and a clear corporate philosophy. The company is committed to providing financial protection and peace of mind to individuals and families through their innovative insurance products. Aflac Inc values integrity, transparency, and financial stability, focusing on building long-term relationships with their policyholders and shareholders. With a customer-centric approach, the company aims to fulfill their promise of being there for policyholders during challenging times. Aflac Inc also believes in giving back to the community by supporting various charitable initiatives. Overall, Aflac Inc's values revolve around trust, reliability, and socially responsible practices.

Analysts currently set an average price target of 118.33 USD for the Aflac stock (median: 120.00 USD), implying +5.0 % versus the latest price. The consensus is based on 24 analyst ratings.

24 analysts currently rate the Aflac stock: 3 recommend buying, 12 holding and 9 selling. For 2026, analysts expect Aflac to generate revenue of 16.75 B USD and earnings per share of 7.05 USD.

Converted at the current exchange rate, the Aflac share trades at 100.67 EUR (112.74 USD).

The Aflac share (AFL) is listed on 10 stock exchanges, including: NYSE (AFL), London (0H68.L), SIX (Zürich) (AFL.SW), XETRA (AFL.DE), Frankfurt (AFL.F), München (AFL.MU), Düsseldorf (AFL.DU), Hamburg (AFL.HM).

Aflac Inc. is a leading US company in the voluntary insurance sector and has been offering its customers a wide range of insurance products since its founding in 1955. The company's business model is based on providing voluntary insurance products, typically offered by employers, to support their employees and provide additional benefits. Aflac's mission is to provide security and peace of mind to its customers by protecting them from financial challenges associated with serious illnesses, injuries, and accidents. Aflac offers insurance products in the areas of health, accident, cancer, dental, hospital stay, short-term disability, and long-term care. One key advantage of Aflac over its competitors is that the company does not ask medical questions or conduct examinations to be included in a policy, making it easier for people of all ages and health levels to obtain insurance that meets their needs. Aflac delivers its products to customers through various distribution channels, including employer groups, brokers, independent agents, and directly to consumers. Aflac primarily works with employer groups that give their employees the opportunity to enroll in voluntary insurance. Through offers, Aflac convinces employers that offering insurance benefits their employees and consequently contributes to employee retention and satisfaction. Brokers are another important distribution channel for Aflac. They assist companies in selecting and creating insurance plans to be offered to their employees, enabling Aflac to reach a larger audience. Independent agents and representatives of Aflac who work directly with consumers also play a crucial role in spreading and marketing Aflac products. These agents and representatives contribute to ensuring that consumers are fully familiar with the company's offerings. In summary, Aflac Inc. operates a business model that is based on providing voluntary insurance products to employer groups, consumers, and their families. Aflac's strength lies in its quick and easy processing and its wide range of offerings, which are covered by different distribution channels.

The expected revenue of Aflac is 16.75 B USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Aflac is 3.75 B USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Aflac is currently 15.99. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Aflac stock.

The price-to-sales ratio (P/S) of Aflac is currently 3.58. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Aflac stock.

The Eulerpool Quality Score for Aflac is 4/10.

The ISIN of Aflac is US0010551028. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Aflac is 853081. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Aflac is AFL. The ticker symbol is used to trade Aflac shares on the stock exchange.

Fair ValueTerminal
111.61 USD
Over-/UndervaluationTerminal
Fairly valued
Sector
Industry
Insurance
Number of shares
Employees
Revenue per Employee
1.37 M USD
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Website aflac.com
Currency
USD
Initial public offering
Jun 15, 1974
ISIN
US0010551028
Cusip
001055102
Sedol
2026361
Market capitalization
60.30 B USDLarge Cap
52-Week Range
PEG
4.37
P/E ratio
P/Ee 2026
16.08
P/Ee 2027
14.91
P/Ee 2028
14.28
P/Ee 2029
13.87
P/S
P/Se
3.58
EV/EBIT
12.10
P/B Ratio
2.04
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
9.64 %
Dividend
Dividend yield
2.06 %
Est. Dividend Yield
2.16 %
Payout Ratio
33.85 %
Dividend growth Ø5Y
11.94 %
Dividend payments per year
4
Dividend paid since
36 years
Dividend not reduced since
7 years
Dividend increased since
7 years
Dividend withholding tax
30.00 %
Last updated Oct 8, 2026, 4:10 AM

Aflac Ticker

DÜSSELDORF · AFL.DUFRANKFURT · AFL.FHAMBURG · AFL.HMLONDON · 0H68.LLONDON STOCK EXCHANGE · 0H68.LMUNICH · AFL.MUNEW YORK · AFLSIX · AFL.SWVIENNA · AFL.VIXETRA · AFL.DE

Aflac FIGI

AFL:US · BBG000BBBNC6AFL:UA · BBG000BBBNQ1AFL:UC · BBG000BBBPR5AFL:UN · BBG000BBBRC7AFL:UP · BBG000BBBRS0AFL:UB · BBG000BBBSM4AFL:UT · BBG000BBBSX2AFL:UM · BBG000BBBT51AFL:UX · BBG000BBBTD2AFL:UD · BBG000BBBXH9AFL:UF · BBG000BBBZH4AFL:VY · BBG000BBC026

All fundamentals and in-depth analysis of Aflac

Our stock analysis for Aflac stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Aflac. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.