US · AFL
Aflac Incorporated
- Sector
- Financial Services · Insurance - Life
- Headquarters
- Columbus, GA 31999
- Website
- aflac.com
Price · as of 2025-12-31
$112.88
Market cap 59.19B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $87.95 | -22.09% |
| Intrinsic Value(DCF) | $69.45 | -38.47% |
| Graham-Dodd Method(GD) | $56.13 | -50.28% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $16.13 | $57.61 | $7.24 | $15.98 | $30.78 |
| 2012 | $18.43 | $68.17 | $89.40 | $22.77 | $67.23 |
| 2013 | $24.70 | $67.55 | $11.53 | $22.48 | $8.78 |
| 2014 | $23.98 | $65.51 | $16.55 | $26.22 | $10.32 |
| 2015 | $24.67 | $66.20 | $15.72 | $23.46 | $1.41 |
| 2016 | $29.21 | $68.70 | $20.38 | $29.05 | $50.99 |
| 2017 | $38.03 | $71.12 | $25.65 | $47.31 | $25.02 |
| 2018 | $41.19 | $65.09 | $24.98 | $34.00 | $32.30 |
| 2019 | $35.32 | $55.52 | $32.88 | $45.68 | $46.40 |
| 2020 | $46.23 | $54.75 | $40.06 | $64.33 | $54.43 |
| 2021 | $54.75 | $73.59 | $47.87 | $61.73 | $31.84 |
| 2022 | $59.97 | $76.48 | $83.33 | $43.39 | $0.00 |
| 2023 | $78.73 | $91.39 | $77.50 | $51.65 | $51.58 |
| 2024 | $106.11 | $106.68 | $90.89 | $65.86 | $94.25 |
| 2025 | $113.35 | $87.95 | $44.19 | $56.13 | $0.00 |
AI valuation
Our deep-learning model estimates Aflac Incorporated's (AFL) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $87.95
- Current price
- $112.88
- AI upside
- -22.09%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$69.45
-38.47% upside
Graham-Dodd
$56.13
-50.28% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| AFL | Aflac Incorporated | $112.88 | 59.19B | -22% | -38% | -50% | — | 16.48 | 2.04 | 3.45 | 11.27 | — | 2.94 | 38.93% | 26.61% | 20.91% | 13.12% | -119.49% | 3.12% | 0.29 | 21.10 | — | — | 0.39 | -2908.00% | -884.00% | 3705.00% | 6.17% | — | -118.76% | 1.99% | 32.90% | 7.87% | 13.41 | 16.78 | 3.57 | 1.43 |
| BHF | Brighthouse Financial, In… | $59.98 | 3.43B | +104% | -60% | +116% | +512% | 7.91 | 0.51 | 0.55 | 1.91 | 31.91 | 0.51 | 70.94% | 7.63% | 6.97% | 7.38% | 11.52% | 0.18% | 0.47 | 3.12 | — | — | -3.57 | 2478.00% | 4216.00% | -6483.00% | -2.98% | — | -2.68% | 2.98% | 23.60% | 15.94% | 2.52 | -11.69 | 0.19 | 0.07 |
| CNO | CNO Financial Group, Inc. | $41.81 | 3.99B | +17% | -58% | -8% | -49% | 18.13 | 1.58 | 0.93 | 13.78 | — | 1.58 | 44.79% | 6.54% | 5.11% | 8.93% | 14.01% | 0.60% | 1.54 | 1.27 | — | — | 5.85 | -3717.00% | 94.00% | 765.00% | 16.25% | — | 41.28% | 0.00% | 0.00% | 0.00% | 24.63 | 10.69 | 1.61 | 0.33 |
| FG | F&G Annuities & Life, Inc… | $22.65 | 3.07B | +56% | +275% | -36% | +22% | 10.84 | 0.61 | 0.51 | 3.20 | — | -0.80 | 30.85% | 5.64% | 4.62% | 6.19% | -1.47% | 0.30% | 0.47 | 1.97 | — | — | 0.65 | -6148.00% | 572.00% | -2191.00% | 158.87% | — | -25.29% | 4.66% | 50.60% | 5.01% | 11.42 | 0.79 | 0.64 | 0.14 |
| JXN | Jackson Financial Inc. | $109.48 | 7.44B | +18% | -59% | -12% | -58% | — | 0.79 | 1.17 | -297.35 | — | 0.79 | 85.47% | -1.71% | 0.40% | 0.00% | 0.39% | 0.00% | 0.20 | -1.14 | 0.38 | 0.38 | 262.43 | -10204.00% | 11614.00% | -60.00% | 73.47% | 0.38 | -48.72% | 2.85% | — | 66.05% | -36.52 | 0.72 | 0.62 | 0.03 |
| LNC | Lincoln National Corporat… | $34.30 | 6.52B | +94% | -60% | +50% | +74% | 5.35 | 0.58 | 0.35 | 1.96 | — | 0.65 | 57.34% | 7.35% | 6.46% | 12.28% | -53.22% | 0.29% | 0.57 | 5.89 | — | — | -2.07 | -6828.00% | 124.00% | -9168.00% | -2.65% | — | 7.55% | 6.60% | 35.30% | 66.74% | 2.29 | -18.36 | 0.17 | 0.12 |
| MET | MetLife, Inc. | $72.07 | 47.49B | +5% | -2% | -26% | +26% | 14.41 | 1.71 | 0.63 | 8.04 | — | 2.59 | 36.36% | 6.05% | 4.38% | 12.10% | -23.70% | 0.48% | 0.68 | 4.39 | — | — | -0.47 | -1919.00% | 1022.00% | -8121.00% | 5.83% | — | -19.78% | 0.00% | 0.00% | 2.77% | 9.87 | 16.20 | 0.60 | 0.38 |
| MFC | Manulife Financial Corpor… | $35.54 | 59.59B | +184% | -61% | -72% | — | 14.94 | 1.63 | 1.57 | 12.20 | 184.44 | 2.15 | 25.51% | 13.38% | 10.91% | 10.86% | 13.37% | 0.56% | 0.29 | 4.64 | — | — | -0.03 | 810.00% | -82741.00% | 2108.00% | 38.57% | — | 70.79% | 3.97% | 59.30% | 6.89% | 11.69 | 2.59 | 1.56 | 0.22 |
| PRI | Primerica, Inc. | $253.66 | 8.1B | +2% | -37% | -25% | +12% | 11.22 | 3.45 | 2.61 | 6.28 | 16.72 | 3.51 | 80.52% | 30.21% | 23.29% | 31.93% | 53.22% | 5.08% | 0.76 | 40.68 | — | — | 1.11 | 6710.00% | 443.00% | 820.00% | 10.69% | — | 63.84% | 0.00% | 0.00% | 1.81% | 6.44 | 6.96 | 1.95 | 1.38 |
| PRU | Prudential Financial, Inc… | $98.38 | 34.24B | +31% | -59% | -41% | — | 9.83 | 1.08 | 0.58 | 8.61 | 27.11 | 3.89 | 42.04% | 7.87% | 5.88% | 11.86% | 32.97% | 0.47% | 1.03 | 2.27 | — | — | 2.76 | 3627.00% | -1401.00% | -2624.00% | 17.83% | — | 55.40% | 5.48% | 53.90% | 8.32% | 8.84 | 6.75 | 0.70 | 0.23 |
| PUK | Prudential plc | $30.75 | 40.12B | -17% | -75% | -53% | — | 8.06 | 1.49 | 3.21 | 9.68 | — | 2.04 | 100.00% | 36.28% | 28.07% | 18.34% | 11.82% | 1.82% | 0.27 | 17.27 | 4.25 | 1.07 | 0.78 | -3226.00% | -3201.00% | 34518.00% | 13.43% | 0.83 | 17.16% | 2.11% | 17.00% | 9.26% | 9.61 | 8.09 | 3.49 | 0.38 |
| UNM | Unum Group | $71.73 | 12B | -38% | -60% | -20% | -40% | 16.84 | 1.12 | 0.95 | 12.79 | — | 1.16 | 38.22% | 7.15% | 5.66% | 6.69% | 5.00% | 1.17% | 0.35 | 4.47 | — | — | 2.96 | -5476.00% | 207.00% | -5997.00% | 4.46% | — | 3.76% | 2.46% | 41.50% | 10.58% | 17.34 | 29.14 | 1.24 | 0.71 |
About Aflac Incorporated
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, 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. The company was founded in 1955 and is based in Columbus, Georgia.
- CEO
- Daniel Paul Amos
- Employees
- 12.69K
- Beta
- 0.66
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($69.45 ÷ $112.88) − 1 = -38.47% (DCF, example).