logo
logo
AFL stock ticker logo

Aflac Incorporated

NYSE•AFL
CEO: Mr. Daniel Paul Amos
Sector: Financial Services
Industry: Insurance - Life
Listing Date: 1980-03-17
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. The company operates through Aflac Japan and Aflac U.S. segments. The Aflac Japan segment offers cancer, medical, nursing care, work leave, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.
Contact Information
1932 Wynnton Road, Columbus, GA, 31999, United States
706-323-3431
www.aflac.com
Market Cap
$58.93B
P/E (TTM)
16.3
14.1
Dividend Yield
2.1%
52W High
$119.32
52W Low
$96.95
52W Range
69%
Rank16Top 3.7%
6.5
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Strong • 6.5 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$4.90B+0.00%
4-Quarter Trend

EPS

$2.60+0.00%
4-Quarter Trend

FCF

$315.00M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Equity Growth and Buybacks Shareholders' equity reached $29.49 B USD, up from $26.10 B USD in 2024; $3.53 B USD in stock repurchased.
Japan Segment Operational Resilience Aflac Japan pretax adjusted earnings were ¥3.440 B in 2025, showing 8.0% growth in Yen terms excluding FX impact.
U.S. Segment Revenue Increase Aflac U.S. total adjusted revenues grew 2.4% to $6.903 B USD, driven by improved net earned premiums of $5.999 B USD.
Capital Management Focus Total cash returned to shareholders via dividends and treasury stock purchases was $4.7 B USD in 2025.

Risk Factors

Investment Performance Reversal Net investment results swung to a $572 M USD loss in 2025, contrasting sharply with $1.271 B USD gain reported in 2024.
Cybersecurity Incident Exposure Identified June 2025 cyber incident involved exfiltration of data for 22.65 million individuals, incurring immediate response costs.
Japan Business Concentration Aflac Japan generated 53% of total adjusted revenues in 2025, exposing overall performance to Japan economy volatility.
Interest Rate Volatility Impact Significant interest rate changes adversely affect fair values of fixed maturity securities, impacting capital position and liquidity.

Outlook

2026 Profit Margin Preservation Strategy focuses on growth via product development and distribution expansion while maintaining solid pretax profit margins in 2026.
Aflac Japan Ratio Targets Expecting Aflac Japan benefit ratio in 60% to 63% range and expense ratio between 20% and 23% for 2026.
Aflac U.S. Benefit Ratio Guidance Aflac U.S. anticipates 2026 benefit ratio in the 48% to 52% range, driven by higher benefit ratio product growth.
Commitment to Shareholder Returns Board announced 5.2% quarterly cash dividend increase effective Q1 2026, supporting commitment to shareholder returns.

Peer Comparison

Revenue (TTM)

MET stock ticker logoMET
$76.13B
+8.6%
PRU stock ticker logoPRU
$60.97B
-13.7%
MFC stock ticker logoMFC
$54.45B
+5.0%

Gross Margin (Latest Quarter)

JXN stock ticker logoJXN
213.5%
+36.7pp
PRI stock ticker logoPRI
80.8%
-1.0pp
MFC stock ticker logoMFC
76.0%
-162.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
AFL$58.93B16.313.1%7.2%
MFC$57.55B13.711.3%1.4%
MET$47.88B14.312.0%2.6%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
12.3%
Steady Growth
4Q Net Income CAGR
262.3%
Profitability Improved
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 28, 2026
|
EPS:-
|
Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement
LTM
No Data