Key facts, as of
As of October 8, 2026, Aflac Incorporated (AFL) trades at $112.74, down 0.2% over the past year. Its 52-week range runs from $105.43 to $130.22; the price is 13.4% below that high. It is 13.4% below its all-time high of $130.22, reached in July 2026. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +292.1%, against +312.9% for the S&P 500 (SPY). It sits 2.0% below its 200-day average of $115.08, the usual sign of a long-term downtrend. Its 30-day volatility is 11.9% annualized, which we rate low risk. It has a trailing P/E of 12.1 and a dividend yield of 2.16%.
Cite: Portfolio Terminal, "Aflac Incorporated (AFL) stock analysis", 2026-10-08. https://portfolio-terminal.com/analyse/afl
Where it trades today
trading 29% of the way up its 52-week range
How the price has moved
How far it is from its record
Aflac Incorporated (AFL) is 13.4% below its all-time high of $130.22, reached in July 2026. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +292.1%, against +312.9% for the S&P 500 (SPY).
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 12.1x earnings versus 12.5x for peers, so the next move likely needs a real earnings or guidance catalyst.
- Recent realized volatility sits near 11.9%, below the sector norm of 24.0%, which supports a steadier role inside a diversified portfolio.
- 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
- 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: Oct 8, 2026, 10:10 AM.
- 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 carries a hold consensus from 15 analysts, with an average price target of $118.13 versus $112.74 today (+4.8%). 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.
Which ETFs hold it
AFL is in 8 of the 30 ETFs we track. It weighs most in XLF: 0.66% of the fund, holding #34 of 76.
Famous investors who hold it
AFL is in the latest 13F of 1 of the 15 famous investors we follow. Renaissance Technologies (Founded by Jim Simons) holds the most of it: 0.10% of the portfolio, position #235 of 2,931, as of Q2 2026.
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
Slipped under its 50-day average inside a longer uptrend.
weakening- Price is 4.4% below its 50-day average and 2.0% below its 200-day.
- RSI at 40 is neither stretched nor washed out.
- The nearest ceiling is $114.03 (+1.1%), the nearest floor $111.82 (-0.8%).
A description of the chart, not advice. Indicators describe what the price has done; none of them knows what it does next.
Questions people ask about it
Is AFL a good investment in 2026?
Aflac Incorporated trades at a P/E ratio of 12.1, with low volatility (11.9% annualized). The stock is in a consolidation phase.
What is the risk level of AFL?
Based on 30-day volatility of 11.9%, AFL has LOW risk. Beta of 0.56 indicates lower sensitivity to market movements than average.
Does AFL pay dividends?
Yes, Aflac Incorporated has a dividend yield of 2.16%.
How far is AFL from its all-time high?
Aflac Incorporated is 13.4% below its all-time high of $130.22, reached in July 2026. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +292.1%, against +312.9% for the S&P 500 (SPY).
Which ETFs hold AFL?
8 of the 30 popular ETFs we track hold Aflac Incorporated. The largest weights: XLF (0.66%), VIG (0.23%), VYM (0.21%), VTV (0.19%) and VOO (0.08%). Measured on each issuer's full holdings file, dated August 31 to September 24, 2026.
How much of VOO is AFL?
0.08%, as of August 31, 2026: AFL is holding #218 of 505 in Vanguard's file for VOO. $1,000 in VOO puts about $0.80 in Aflac Incorporated.
Which famous investors own AFL?
Renaissance Technologies (0.10% of Founded by Jim Simons's 13F), according to their latest Form 13F filings with the SEC (Q2 2026). A 13F lists US long positions 45 days after the quarter ends, so it can be out of date.
What is the analyst price target for AFL?
The average analyst price target for Aflac Incorporated (AFL) is $118.13 based on 15 analyst estimates, about 4.8% above the current price of $112.74. The published range runs from $101.00 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.
Compare AFL with anything
Five years side by side: what $10,000 became, how far each fell, whether they move together.