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Aflac Incorporated (AFL) is a financial services company in the insurance - life industry with $18.07B in trailing revenue trading at a 12.4× trailing P/E — analyst consensus: hold.
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 cafeteria plans. It sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.
Key Statistics
Market Cap
$57.77B
Revenue (TTM)
$18.07B
EPS (TTM)
$9.32
EPS (Fwd est.)
$7.54
Employees
12,716
Trailing P/E
12.36
Forward P/E
15.28
PEG Ratio
1.18
Price / Sales
3.20
Price / Book
1.91
EV / EBITDA
10.72
Beta (5Y)
0.58
Analyst Consensus
Consensus
Hold
Analyst Price Target
+2.9% upside
Target: $118.53
Annual Revenue & Net Income
RevenueNet Income
'22
$19.15B
$4.42B
'23
$18.84B
$4.66B
'24
$19.13B
$5.44B
'25
$17.36B
$3.65B
Earnings History
Quarter
Actual EPS
Estimate
Result
Aug 2026
$1.75
$1.76
Miss (-0.5%)
Apr 2026
$1.75
$1.80
Miss (-2.5%)
Feb 2026
$1.57
$1.69
Miss (-7.3%)
Nov 2025
$2.49
$1.78
Beat (+40.2%)
Next Earnings Report
Aflac Incorporated is next expected to report earnings on 04 Nov 2026.
Profitability
50.9%
25.7%
26.9%
Gross MarginOperating MarginNet Margin
Revenue Growth (YoY)
-1.0%
Return on Equity
16.9%
Return on Assets
3.1%
Balance Sheet
Cash & Equivalents
$8.94B
Total Debt
$16.18B
Net Position
$7.24B (net debt)
Free Cash Flow (TTM)
$5.15B
Debt / Equity
53.37
Share Ownership
Institutions 60.1%
Insiders 10.9%
Public 29.0%
Dividend
Annual Rate
$2.44
Yield
2.13%
Payout Ratio
25.7%
Ex-Dividend Date
19 Aug 2026
5Y Avg Yield
2.16%
Frequently Asked Questions
What does Aflac Incorporated (AFL) do?
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, can…
What is AFL's market cap?
Aflac Incorporated has a market capitalization of approximately $57.77B.
What is AFL's P/E ratio?
Aflac Incorporated trades at a trailing P/E ratio of 12.4x and a forward P/E of 15.3x, which is below the broad market average of ~25x.
How much revenue does AFL generate?
Aflac Incorporated generated $18.07B in trailing 12-month revenue.
What do analysts say about AFL?
The analyst consensus rating for Aflac Incorporated is hold, with a mean price target of $118.53. That implies +2.9% upside from the current price.
When does AFL report earnings?
Aflac Incorporated is next scheduled to report earnings on 04 Nov 2026.
Does AFL pay a dividend?
Yes. Aflac Incorporated pays a dividend with a current yield of 2.13%, at an annual rate of $2.44 per share.
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