AFL
Aflac Incorporated
NYSE: AFL · FINANCIAL SERVICES · INSURANCE - LIFE
$115.48
+2.56% today
Updated 2026-06-05
Market cap
$59.76B
P/E ratio
13.42
P/S ratio
3.30x
EPS (TTM)
$8.75
Dividend yield
2.01%
52W range
$95 – $119
Volume
2.3M
WallStSmart proprietary scores
81
out of 100
Grade: A
Strong Buy
Investment rating
6.7
Growth
B8.0
Quality
A8.5
Profitability
A6.3
Valuation
B4/9
Piotroski F-Score
Moderate
1.8
Altman Z-Score
Grey zone
—
Industry rank
—
View all highly rated stocks (75+) →199 stocks currently score above 75
Price targets
Analyst target
$110.09
-4.67%
12-Month target
$106.96
-7.38%
Intrinsic (DCF)
—
Margin of safety
—
2 Strong Buy1 Buy8 Hold2 Sell1 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 25.60% — above average
+ Free cash flow $968.00M — positive
+ Revenue growth 27.90% QoQ
+ Debt/equity 0.26x — low leverage
Risks
No major risks identified
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM | 2026 (E) |
|---|---|---|---|---|---|---|
| Revenue | $19.15B | $18.84B | $19.13B | $17.44B | $18.11B | $17.1B |
| Net income | $4.42B | $4.66B | $5.44B | $3.65B | $1.02B | — |
| EPS | — | — | — | — | $8.75 | $7.43 |
| Free cash flow | $3.88B | $3.19B | $2.71B | $2.56B | $968.00M | — |
| Profit margin | 23.07% | 24.73% | 28.46% | 20.91% | 25.60% | — |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-16 | JAPAN, POST HOLDINGS CO., LTD. | Sale | 21,716 | $117.24 |
| 2026-06-16 | JAPAN, POST HOLDINGS CO., LTD. | Sale | 8,284 | $117.79 |
| 2026-06-15 | JAPAN, POST HOLDINGS CO., LTD. | Sale | 28,102 | $117.15 |
Peer comparison
Smart narrative
Aflac Incorporated trades at $115.48. representing a P/E of 13.42x trailing earnings. Our Smart Value Score of 81/100 indicates the stock is excellent. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of 1.82, it sits in the grey zone. TTM revenue stands at $18.11B. with profit margins at 25.60%.
Frequently asked questions
What is Aflac Incorporated's stock price?
Aflac Incorporated (AFL) trades at $115.48, on a P/E of 13.4x and a P/S of 3.3x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Aflac Incorporated overvalued?
Aflac Incorporated carries a Smart Value Score of 81/100 (Grade A), which we rate Strong Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Aflac Incorporated (AFL)?
The 12-month analyst consensus target is $110.09, about 4.7% below the current $115.48. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is the future stock price of AFL by 2030?
Our research-backed model puts the 2030 base case at $419.82, built from revenue projections, a growth-adjusted P/S multiple, net debt, and share dilution. It is a scenario rather than a prediction, and the bull and bear cases around it matter more than the single number when you are sizing a position.
What is Aflac Incorporated's revenue?
Aflac Incorporated's trailing twelve-month revenue is $18.11B, and our model projects it reaching about $18.28B by 2030. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Aflac Incorporated's Altman Z-Score is 1.82, which places it in the grey zone. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryINSURANCE - LIFE
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio3.30x
ROE15.47%
Beta0.61
50D MA$114.79
200D MA$111.29
Shares out0.51B
Float0.50B
Short ratio—
Avg volume2.3M
Performance
1 week+0.00%
1 month+0.32%
3 months+10.86%
YTD+7.23%
1 year—
3 years—
5 years—