Skip to main content
    A

    Aflac Incorporated (AFL)

    Official site

    FINANCIAL SERVICES • INSURANCE - LIFE • NYSE

    $118.06
    -0.15 (-0.13%)

    Market Cap: $59.26B

    Last updated: Oct 16, 2026 at 1:54 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    79%(31/39)
    Avg Surprise
    +8.24%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.80
    Range$1.74 - $1.93
    15 analysts
    EPS Revisions
    1
    0
    7d
    4
    4
    30d
    EPS Estimate DriftChange to current
    90d ago$1.78+0.6%
    60d ago$1.82-1.5%
    30d ago$1.79+0.4%
    7d ago$1.79+0.3%
    Current$1.80
    Revenue Consensus
    $4.2B
    Range$4.1B - $4.3B
    3 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.67
    Range$1.55 - $1.90
    16 analysts
    Revenue Consensus
    $4.1B
    Range$4.0B - $4.3B
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.67---
    Sep 26EST
    		-$1.80---
    Jun 26
    Reported Aug 6
    		$1.75$1.77-1.13%Miss-1.7%
    Mar 26
    Reported Apr 29
    		$1.75$1.80-2.78%Miss+5.4%
    Dec 25
    Reported Feb 4
    		$1.57$1.70-7.65%Miss+0.6%
    Sep 25
    Reported Nov 4
    		$2.49$1.78+39.89%Beat+15.3%
    Jun 25
    Reported Aug 5
    		$1.78$1.71+4.09%Beat-2.7%
    Mar 25
    Reported Apr 30
    		$1.66$1.67-0.60%Miss+0.0%
    Dec 24
    Reported Feb 5
    		$1.56$1.62-3.70%Miss+24.8%
    Sep 24
    Reported Oct 30
    		$2.16$1.68+28.57%Beat+17.4%
    Jun 24
    Reported Jul 31
    		$1.83$1.60+14.38%Beat+15.8%
    Mar 24
    Reported May 1
    		$1.66$1.58+5.06%Beat+7.1%
    Dec 23
    Reported Jan 31
    		$1.25$1.45-13.79%Miss-3.1%
    Sep 23
    Reported Nov 1
    		$1.84$1.49+23.49%Beat+60.0%
    Jun 23
    Reported Aug 1
    		$1.58$1.44+9.72%Beat+8.2%
    Mar 23
    Reported Apr 26
    		$1.55$1.40+10.71%Beat+9.2%
    Dec 22
    Reported Feb 1
    		$1.29$1.21+6.61%Beat-3.0%
    Sep 22
    Reported Oct 31
    		$1.15$1.21-4.96%Miss-26.3%
    Jun 22
    Reported Aug 1
    		$1.46$1.28+14.06%Beat-8.2%
    Mar 22
    Reported Apr 27
    		$1.42$1.37+3.65%Beat-6.0%
    Dec 21
    Reported Feb 2
    		$1.33$1.26+5.56%Beat+26.7%
    Sep 21
    Reported Oct 27
    		$1.56$1.32+18.18%Beat+12.2%
    Jun 21
    Reported Jul 28
    		$1.59$1.28+24.22%Beat+24.2%
    Mar 21
    Reported Apr 28
    		$1.51$1.21+24.79%Beat+24.8%
    Dec 20
    Reported Feb 3
    		$1.05$1.04+0.96%Beat+1.9%
    Sep 20
    Reported Oct 27
    		$1.39$1.14+21.93%Beat+19.8%
    Jun 20
    Reported Jul 28
    		$1.28$1.05+21.90%Beat+13.3%
    Mar 20
    Reported Apr 29
    		$1.21$1.10+10.00%Beat+8.0%
    Dec 19
    Reported Feb 4
    		$1.03$1.02+0.98%Beat+1.0%
    Sep 19
    Reported Oct 24
    		$1.16$1.07+8.41%Beat+12.6%
    Jun 19
    Reported Jul 25
    		$1.13$1.07+5.61%Beat+5.6%
    Mar 19
    Reported Apr 25
    		$1.12$1.06+5.66%Beat+6.7%
    Dec 18
    Reported Jan 31
    		$1.02$0.94+8.51%Beat+27.5%
    Sep 18
    Reported Oct 24
    		$1.03$0.99+4.04%Beat+21.2%
    Jun 18
    Reported Jul 26
    		$1.07$0.99+8.08%Beat+16.3%
    Mar 18
    Reported Apr 25
    		$1.05$0.97+8.25%Beat+25.0%
    Dec 17
    Reported Jan 31
    		$0.80$0.78+2.56%Beat+3.9%
    Sep 17
    Reported Oct 25
    		$0.85$0.81+4.94%Beat-
    Jun 17
    Reported Jul 27
    		$0.92$0.82+12.20%Beat-
    Mar 17
    Reported Apr 27
    		$0.84$0.81+3.70%Beat-
    Dec 16
    Reported Jan 31
    		$0.77$0.81-4.94%Miss-

    Dividends

    Dividend Metrics

    Forward Yield2.07%
    Forward Annual Dividend$2.44
    Payout Ratio24.99%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+13.19%
    5Y CAGR+15.68%
    AFL dividend history and ex-dividend datesRun AFL in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio15.62EV/EBITDA9.33x
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin26.90%Operating Margin25.70%
    ROE16.90%ROIC12.45%
    Financial Health
    Debt/Equity0.29xInterest CoverageN/A
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.56Avg Volume1.96M
    52-Week High$129.5752-Week Low$103.27

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$114.84
    SMA 20$114.38
    SMA 50$116.56
    SMA 200$114.58
    EMA 10$115.68
    EMA 20$115.23
    EMA 50$116.27
    EMA 200$114.86

    MACD

    Line: 0.09Signal: -0.69Hist: 0.77

    ADX

    ADX: 25.1+DI: 31.2-DI: 13.8

    Aroon & PSAR

    Aroon Up100.0
    Aroon Down68.0
    PSAR$111.93

    Bollinger Bands

    Upper Band$118.34
    Lower Band$110.42
    %B Position692%(Upper)
    Band Width0.96

    RSI (14-Day)

    Neutral
    61.3

    Momentum Oscillators

    Stoch %K88.3
    Stoch %D88.8
    Williams %R-24.4
    ROC (10d)6.2%
    Momentum6.88
    CCI (20d)187.6
    MFI (14d)60.0

    Volatility Measures

    ATR (14d)$1.95(1.7%)
    StdDev (20d)1.98
    Hist Vol14.6%(Low)

    Volume Flow

    VWAP$118.85
    OBV-618.8K
    AD Line-749.6M
    CMF (20d)0.092

    Volume Metrics

    Avg Vol (20d)1.9M
    Vol Ratio0.9x
    VWMA (20d)$114.64

    Pivot Points

    R3$121.58
    R2$119.92
    R1$119.07
    Pivot Point$117.41
    S1$116.55
    S2$114.89
    S3$114.04

    Advanced Oscillators

    TSI0.79
    Ultimate Osc54.5
    KST-16.61

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$4.12B$4.35B$5.12B$4.74B$3.91B$3.40B$5.65B$2.95B$4.89B$5.44B$3.88B$4.95B
    Cost of RevenueN/A$1.83B$1.96B$2.69B$3.04B$2.96B$2.97B$2.56B$2.82B$2.96BN/AN/A
    Gross ProfitN/A$2.48B$2.93B$2.10B$1.18B$490.00M$2.53B$479.00M$2.33B$2.47B$3.86B$5.03B
    Operating Expenses$3.12B$3.12B$3.54B$2.75B$3.09B$3.25B$3.51B$2.86B$2.87B$3.27B$3.59B$3.15B
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$1.23B$1.60B$1.99B$822.00M$145.00M$2.13B$92.00M$2.02B$2.17B$290.00M$1.80B
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$0$0$61.00M$0$0$0$50.00M$0$0$0$-99,000,000$0
    Income Before Tax$995.00M$1.23B$1.57B$1.99B$822.00M$145.00M$2.14B$92.00M$2.02B$2.17B$290.00M$1.80B
    Income Tax Expense$170.00M$206.00M$193.00M$355.00M$223.00M$116.00M$234.00M$185.00M$264.00M$291.00M$22.00M$236.00M
    Net Income$825.00M$1.02B$1.38B$1.64B$599.00M$29.00M$1.90B$-93,000,000$1.75B$1.88B$268.00M$1.57B
    EBITDA$1.21B$1.45B$1.79B$2.21B$1.04B$361.00M$2.35B$306.00M$2.23B$2.38B$498.00M$2.01B
    EBIT$995.00M$1.23B$1.57B$1.99B$822.00M$145.00M$2.14B$92.00M$2.02B$2.17B$290.00M$1.80B
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

    No research available

    Be the first to write about AFL

    News

    Form 4 Aflac Inc: Japan Post Holdings Co., Ltd. (10% Owner) For: 14 October

    This article reports on a Form 4 filing for Aflac Inc., indicating that Japan Post Holdings Co., Ltd. holds a 10% ownership stake. The filing pertains to activity on October 14. The piece briefly mentions Aflac Inc....

    Investing.com India•10/16/26•Neutral

    Form 4 Aflac Inc: Japan Post Holdings Co., Ltd. (10% Owner) For: 14 October

    This article reports on a Form 4 filing for Aflac Inc., indicating that Japan Post Holdings Co., Ltd. (a 10% owner) made a filing on October 14. It briefly mentions the stock symbols AFL and 6178...

    Investing.com Canada•10/16/26•Neutral

    JPMorgan raises target for Aflac stock to USD 119.00

    JPMorgan has raised its price target for Aflac stock from USD 116.00 to USD 119.00, maintaining a neutral rating. Aflac is set to release its third-quarter 2026 financial results on November 4, 2026...

    ad-hoc-news.de•10/16/26•Somewhat-Bullish

    Form 4 AFLAC INC For: Oct 14 Filed by: Japan Post Holdings Co., Ltd.

    This article reports on a Form 4 SEC filing by Japan Post Holdings Co., Ltd. regarding its beneficial ownership in AFLAC INC (AFL). The filing details transactions on October 14, 2026...

    StreetInsider•10/16/26•Neutral

    Japan Post Holdings Disposes of 55,000 Aflac Shares in Three-Part Transaction on October 14, 2026

    Japan Post Holdings Co., Ltd. sold 55,000 shares of Aflac Incorporated common stock on October 14, 2026, in three separate transactions under a Rule 10b5-1 trading plan. The shares were sold at weighted average prices...

    Kalkine Media•10/16/26•Neutral

    AFL Valuation and Fair Value

    P/E
    15.6x
    Forward P/E
    15.2x
    EV/EBITDA
    9.3x
    PEG
    1.2x
    P/B
    2.0x
    See GNG's fair value

    AFL Profitability: Margins, ROIC and FCF

    Operating margin
    25.7%
    Net margin
    26.9%
    ROIC
    12.5%
    ROE
    16.9%
    FCF margin
    14.4%

    AFL Competitors

    CompanyTicker
    The Allstate CorporationALL
    Aon PLCAON
    Arthur J Gallagher & CoAJG
    Truist Financial CorpTFC
    Deutsche Bank AGDB
    Nasdaq IncNDAQ
    MetLife IncMET
    Huntington Bancshares IncorporatedHBANL

    Sector: Financial Services

    AFL Analyst Ratings

    Consensus
    Hold
    Analysts
    15
    Strong Buy
    2
    Buy
    1
    Hold
    8
    Sell
    3
    Strong Sell
    1

    AFL Bull Case vs Bear Case

    Bull case

    • AFL has a 26.9% net profit margin.

    Bear case

    • AFL beat EPS estimates in 37.5% of its last 8 reported quarters.
    • AFL's quarterly revenue changed -1.0% year over year.

    AFL Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    7.1%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.80
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    4 up, 4 down

    AFL Dividend

    Forward yield
    2.1%
    Payout ratio
    25.0%
    3Y DPS growth
    13.2%
    5Y DPS growth
    15.7%
    Pay months
    Mar, Jun, Sep, Dec
    AFL dividend history

    Frequently Asked Questions About AFL

    What is AFL's current dividend yield?

    Aflac Incorporated (AFL) has a forward dividend yield of 2.07%.

    Does AFL pay dividends?

    Yes, Aflac Incorporated pays dividends with a forward dividend yield of 2.07%.

    What is AFL's P/E ratio?

    Aflac Incorporated has a price-to-earnings (P/E) ratio of 15.62.

    What is AFL's market cap?

    Aflac Incorporated (AFL) has a market capitalization of $59.26B with a current stock price of $118.06.

    Related stocks

    Sector: Financial Services

    All stocks starting with A

    Get full access to GNG Research

    Create a free account to access portfolio tracking, advanced tools, and more.

    Create Free AccountLog In