Where it trades today
trading 44% of the way up its 52-week range
How the price has moved
What to weigh before acting
What Matters Now
- Credit quality, deposit stability, and how management navigates the rate cycle usually drive the next rerating.
- AFL is valued near its sector range at 12.5x earnings versus 12.5x for peers, so the next move likely needs a real earnings or guidance catalyst.
- AFL carries a beta of 0.58, which means the stock should be judged on how it affects total portfolio swings, not just on standalone upside.
- Relative performance versus JPM, BAC, WFC matters here because leadership inside financial services rarely stays static for long.
Portfolio Use Case
- AFL is more relevant for investors who want some income support alongside price appreciation, not just pure growth exposure.
- The beta profile suggests it can fit a quality or lower-volatility sleeve more naturally than a high-octane tactical basket.
- The stock becomes more useful when paired with an explicit catalyst watchlist, because sector sentiment can shift quickly around policy, rates, or pipeline news.
What Would Change the View
- A reset in earnings expectations or a faster peer catch-up could compress the premium valuation currently embedded in AFL.
- The view would need revisiting if peers such as JPM, BAC, WFC start winning the marginal flow or posting cleaner operating momentum.
Methodology
- Price, market cap, beta, yield, and liquidity fields for AFL come from Yahoo Finance quote and summary data.
- 30-day volatility is calculated from recent daily returns and annualized using a 252-trading-day convention.
- Sector context uses stored benchmark averages for Financial Services so each page compares the ticker against a stable peer baseline rather than against the whole market.
- Peer comparisons use the Portfolio Terminal coverage set and highlight nearby listed alternatives such as JPM, BAC, WFC.
Sources
- Yahoo Finance quote dataopen →
Live quote, valuation, beta, yield, and volume fields used for AFL. Last refresh: Sep 18, 2026, 10:56 PM.
- Portfolio Terminal methodologyopen →
Explains how analytics, refresh cadence, and portfolio interpretation work across the product.
- Peer set and coverage context
Comparative context for this page is anchored around nearby tracked names such as JPM, BAC, WFC.
What Aflac Incorporated does
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan. Its Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company also provides hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as…
What analysts expect
AFL is tracked by 15 analysts, with an average price target of $118.53 versus $116.33 today (+1.9%). Targets are estimates and can move quickly after earnings.
Consensus aggregated by Yahoo Finance. Targets are estimates, not forecasts.
How the business is doing
AFL generated $18.07B in trailing revenue (-1.0% year over year), with a 26.9% net margin, and $5.15B of free cash flow, against $7.24B of net debt.
The numbers, year by year
| Fiscal year | Revenue | Gross profit | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|---|
| 2025 | $17.36B | — | — | $3.65B | $6.84 | $2.56B |
| 2024 | $19.13B | — | — | $5.44B | $9.68 | $2.71B |
| 2023 | $18.84B | — | — | $4.66B | $7.81 | $3.19B |
| 2022 | $19.15B | — | — | $4.42B | $6.96 | $3.88B |
When it reports next
Estimates aggregated by Yahoo Finance. Dates move and estimates change until the report lands.
How it sits in financial services
Sector covering banks, insurance, asset management, and fintech companies.
The companies it competes with
AFL beside the financial services names it is usually measured against.
What the chart is saying
Aflac Incorporated trades at $116.33, 10.7% below its 52-week high. With a beta of 0.58, it shows less sensitivity to what the wider market does.
Questions people ask about it
Is AFL a good buy right now?
Aflac Incorporated trades at 12.5x earnings. This is below market average, potentially undervalued. Current risk level is Medium based on 20.2% volatility.
Does AFL pay dividends?
Yes, Aflac Incorporated offers a dividend yield of 2.09%. That is roughly $2.43 per share a year.
How volatile is AFL?
With 30-day annualized volatility of 20.2% and beta of 0.58, AFL is classified as Medium risk. The stock tends to be more stable than the market average.
What is the analyst price target for AFL?
The average analyst price target for Aflac Incorporated (AFL) is $118.53 based on 15 analyst estimates, about 1.9% above the current price of $116.33. The published range runs from $99.00 to $138.00.
How much revenue does AFL generate?
Aflac Incorporated reported $18.07B in trailing twelve-month revenue. Revenue growth is running at -1.0% year over year. Net margin sits at 26.9%. Figures are aggregated from company filings by Yahoo Finance and refresh on an hourly cadence.