AFL$109.61
$109.52
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Powered by LiveAIOverall Analysis
BuyAflac exhibits strong fundamental performance with consistent profitability and a stable financial position. Thematic tailwinds in supplemental health are positive, though near-term technical indicators suggest a neutral to slightly bearish outlook. The dividend yield adds to its attractiveness for income-focused investors.
Thematic
Aflac operates in the stable supplemental health and life insurance market, benefiting from an aging population and increased health awareness. However, it faces competition and evolving regulatory landscapes.
Fundamental
Aflac demonstrates robust profitability, a healthy balance sheet, and consistent dividend payments. Revenue and earnings have shown resilience, though recent quarters show mixed performance.
Technical
Aflac's stock is trading below key short-term moving averages, indicating some downward pressure. While the long-term trend is more mixed, current momentum indicators suggest a neutral to slightly bearish short-term outlook.
| Factor | Score |
|---|---|
| Supplemental Insurance Demand | 85 |
| Aging Population | 80 |
| Digital Transformation | 70 |
| Competitive Landscape | 50 |
| Regulatory Environment | 65 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 95 |
| Growth | 55 |
| Balance Sheet Health | 85 |
| Cash Flow | 90 |
| Dividend Yield | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 50 |
| Volume Confirmation | 60 |
| Support & Resistance | 65 |
| Short-term Oscillators | 40 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Consistent EPS Beat
The company has exceeded earnings per share (EPS) estimates in 7 of the last 8 quarters, with a significant positive surprise of 28.18% in Q4 2024.
Strong Cash Position
Cash and cash equivalents have consistently increased, reaching $6.229 billion by Q4 2024, providing ample liquidity and financial flexibility.
Bearish Points (7)
Rising Quarterly P/E
The P/E ratio for Q1 2025 is exceptionally high at 2061.5, and the P/S ratio for Q1 2025 is 17.3, suggesting significant overvaluation based on recent performance, which could lead to a correction.
Slowing Revenue Growth
Revenue growth for 2024 (annual) at 19.128 billion shows a slight decrease from 2022 (19.151 billion), and Q1 2025 revenue of $3.453 billion is a significant drop from Q4 2024's $5.498 billion, indicating potential slowing.
Calendar
May 2025
21
Ex-Dividend Date
June 2025
2
Next Dividend Date
July 2025
29
Next Earnings Date
H: $1.80
A: $1.71
L: $1.65
H: 4.46B
A: 4.32B
L: 4.15B
Profile
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. The company 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. The Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company sells its products through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is based in Columbus, Georgia.
Seasonals
Price Target
107.23 USD
The 39 analysts offering 1 year price forecasts for AFL have a max estimate of 127.00 and a min estimate of 98.00.
Debt Level and Coverage
Financial Position Analysis
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Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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