AFL - Aflac Inc. | StockAlert.pro

Stock Details

Aflac Inc. (AFL), a prominent company in the finance sector within the accident & health insurance industry, is based in USA and primarily trades on the NYSE.Currently, the stock is trading at $101.57. Over the past 52 weeks, it has ranged between $90.58 and $114.16. This places the current price at 89.0% of its 52-week high and 12.1% above its 52-week low. Recent trading volume was recorded at 276,678. The International Securities Identification Number (ISIN) for this stock is US0010551028.

Fundamentals

Valuation Metrics

P/E Ratio (TTM)

16.40

Near market average

Forward P/E

15.50

Earnings expected to grow

PEG Ratio

0.93

Potentially undervalued

Price to Book

2.16

EPS (TTM)

$6.43

Price to Sales

3.38

Beta

0.81

Less volatile than market

How is AFL valued relative to its earnings and growth?

Aflac Inc. trades at a P/E ratio of 16.40, which is near the market average of approximately 20, suggesting the market views it as fairly valued relative to its earnings. Looking ahead, the forward P/E of 15.50 is lower than the current P/E, indicating analysts expect earnings to grow over the next year. The PEG ratio of 0.93 suggests the stock may be undervalued relative to its growth rate.

What is AFL's risk profile compared to the market?

With a beta of 0.81, Aflac Inc. is less volatile than the overall market. This means when the market moves up or down by 10%, this stock typically moves less than 10% in the same direction. Lower beta stocks are often preferred by conservative investors seeking stability. The price-to-book ratio of 2.16 shows investors value the company above its book value, which often reflects intangible assets or growth prospects.

Performance & Growth

Profit Margin

21.30%

Operating Margin

5.74%

Return on Equity

14.40%

Return on Assets

2.34%

Revenue Growth (YoY)

-37.50%

Earnings Growth (YoY)

-98.50%

How profitable and efficient is AFL's business model?

Aflac Inc. achieves a profit margin of 21.30%, meaning it retains $21.30 from every $100 in revenue after all expenses. This is an impressive margin, indicating strong pricing power and efficient cost management that allows the company to generate substantial profits. The operating margin of 5.74% reveals how efficiently the company runs its core business operations before interest and taxes. With ROE at 14.40% and ROA at 2.34%, the company achieves moderate returns on invested capital.

What are AFL's recent growth trends?

Aflac Inc.'s revenue declined by 37.50% year-over-year, indicating challenges in maintaining sales momentum. This contraction may reflect market headwinds, competitive pressures, or strategic transitions. Earnings decreased by 98.50% year-over-year, reflecting the bottom-line impact of business performance. These growth metrics should be evaluated against ACCIDENT & HEALTH INSURANCE industry averages for proper context.

Dividend Information

Dividend Per Share

$2.08

Dividend Yield

2.21%

Ex-Dividend Date

5/21/2025

Dividend Date

6/2/2025

What dividend income can investors expect from AFL?

Aflac Inc. offers a dividend yield of 2.21%, paying $2.08 per share annually. This above-average yield of 2-4% provides meaningful income while still allowing the company to reinvest for growth. It compares favorably to the S&P 500 average and offers competitive returns versus bonds in the current rate environment. To receive the next dividend, shares must be purchased before the ex-dividend date of 5/21/2025.

How reliable is AFL's dividend for long-term investors?

The dividend sustainability can be assessed through the payout ratio - Aflac Inc. pays $2.08 per share in dividends against earnings of $6.43 per share, resulting in a payout ratio of 32.35%. This balanced payout between 30-60% suggests a sustainable dividend policy that allows both shareholder returns and business reinvestment. The dividend appears well-covered by earnings. The next dividend payment is scheduled for 6/2/2025.

Company Size & Market

Market Cap

$57.02B

Shares Outstanding

540.64M

Book Value/Share

$48.55

Asset Type

Common Stock

What is AFL's market capitalization and position?

Aflac Inc. has a market capitalization of $57.02B, classifying it as a large-cap stock ($10B-$200B). Large-caps are typically industry leaders with established business models, offering a balance of stability and growth potential. They often provide dividend income and are core holdings in institutional portfolios. With 540.64M shares outstanding, the company's ownership is relatively concentrated. As a participant in the ACCIDENT & HEALTH INSURANCE industry, it competes with other firms in this sector.

How does AFL's price compare to its book value?

Aflac Inc.'s book value per share is $48.55, while the current stock price is $101.57, resulting in a price-to-book (P/B) ratio of 2.09. This reasonable premium to book value suggests the market values the company's earnings power and intangible assets appropriately. Most profitable companies trade between 1-3x book value. As a common stock, this represents equity ownership with voting rights.

Analyst Ratings

Analyst Target Price

$105.62

3.99% upside potential

Analyst Recommendations

Strong Buy

Buy

Hold

Sell

Strong Sell

How reliable are analyst predictions for AFL?

13 analysts cover AFL with 23% recommending buy/strong buy ratings. Analyst predictions have mixed reliability - studies show consensus rarely beats market returns consistently. The bearish sentiment could create opportunity if analysts are wrong. The consensus target of $105.62 implies 4.0% upside, but targets are often adjusted to follow price moves rather than predict them.

What is the Wall Street consensus on AFL?

Current analyst recommendations:2 Strong Buy, 1 Buy, 8 Hold, 1 Sell, 1 Strong Sell. The neutral stance suggests uncertainty or fair valuation at current levels.Remember that analyst opinions often lag price movements and can be influenced by investment banking relationships.

Fundamentals last updated: Jul 1, 2025, 04:17 AM

Aflac Inc. (AFL) Stock