AFL · Aflac Inc.
What's happening
- AFL is down 0.16% today, trading at $120.09. — Live quote
- Volume today (38,733) is well below its 3-month average of 2,147,880. (Finnhub fundamentals)
- Reports earnings on 2026-11-04 (after market close), 13 days away. (Finnhub earnings calendar)
- Last quarter's EPS missed estimates: $1.75 actual vs. $1.79 estimated (-2.0%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2026-10-01 (24 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $59.05B | $55.87B | $58.22B | $55.47B | $62.47B |
| P/E | 14.46 | 17.00 | 26.78 | 24.22 | 17.50 |
| Price/Sales | 3.40 | 3.36 | 3.82 | 3.55 | 3.69 |
| Price/Book | 1.95 | 1.86 | 2.03 | 2.04 | 2.37 |
| EV/Revenue | 3.05 | 3.02 | 3.37 | 3.10 | 3.38 |
| ROE | 13.47% | 10.97% | 7.58% | 8.42% | 13.55% |
| ROA | 3.52% | 2.83% | 1.78% | 1.84% | 2.97% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Net profit margin is 26.9%. Finnhub fundamentals ↗
- Trailing 52-week price return is +10.2%. Finnhub market metrics ↗
Potential concerns
- Revenue growth is -0.8% on the provider's reported measure. Finnhub fundamentals ↗
- Latest SEC filing is Form 4, filed 2026-10-19; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on AFL
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.12B | $4.35B | $4.74B | $4.16B | $3.40B | $2.95B | $5.14B | $5.44B |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $825.0M | $1.02B | $1.64B | $599.0M | $29.0M | -$93.0M | $1.75B | $1.88B |
| EPS (diluted) | $1.63 | $1.98 | $3.08 | $1.11 | $0.05 | $-0.17 | $3.10 | $3.25 |
| EPS (basic) | $1.64 | $1.99 | $3.09 | $1.12 | $0.05 | $-0.17 | $3.11 | $3.27 |
| Net margin | $20 | $23 | $35 | $14 | $1 | -$3 | $34 | $35 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $115.96B | $116.28B | $116.47B | $122.31B | $124.74B | $120.26B | $117.57B | $128.44B |
| Total liabilities | $85.65B | $86.32B | $86.98B | $93.62B | $97.54B | $93.92B | $91.47B | $103.61B |
| Stockholders' equity | $30.31B | $29.96B | $29.49B | $28.69B | $27.20B | $26.34B | $26.10B | $24.83B |
| Cash & equivalents | $6.12B | $5.65B | $6.25B | $6.77B | $6.96B | $5.23B | $6.23B | $5.61B |
| Property, plant & equipment | $351.0M | $354.0M | $351.0M | $367.0M | $390.0M | $391.0M | $387.0M | $421.0M |
| Goodwill | — | — | $260.0M | — | — | — | $263.0M | — |
| Common stock & paid-in capital | $136.0M | $136.0M | $136.0M | $136.0M | $136.0M | $136.0M | $136.0M | $136.0M |
| Retained earnings | $56.22B | $55.70B | $54.68B | $53.92B | $52.59B | $52.31B | $52.28B | $50.97B |
| Accumulated other comprehensive income (loss) | — | — | — | — | — | — | — | -$3.68B |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $112.0M | $968.0M | $315.0M | $1.25B | $399.0M | $589.0M | $333.0M | $1.27B |
| Investing cash flow | $791.0M | $244.0M | $359.0M | $28.0M | $1.53B | -$359.0M | $1.52B | -$1.03B |
| Financing cash flow | -$442.0M | -$1.76B | -$1.18B | -$1.46B | -$162.0M | -$1.26B | -$1.08B | -$826.0M |
| Deferred income taxes | — | — | -$228.0M | — | — | — | -$356.0M | — |
| Purchases of investments | $6.24B | $2.77B | $982.0M | $1.35B | $2.79B | $6.62B | $953.0M | $1.23B |
| Sales/maturities of investments | — | — | — | — | — | — | — | — |
| Other investing activities | -$17.0M | -$176.0M | $71.0M | $188.0M | -$42.0M | $78.0M | $37.0M | $158.0M |
| Dividends paid | $299.0M | $304.0M | $292.0M | $299.0M | $301.0M | $306.0M | $267.0M | $270.0M |
| Share repurchases | $984.0M | $1.00B | $801.0M | $1.00B | $829.0M | $900.0M | $750.0M | $500.0M |
| Debt repaid | — | — | — | — | — | — | — | — |
| Other financing activities | -$5.0M | $8.0M | -$26.0M | -$7.0M | -$4.0M | -$1.0M | -$8.0M | -$6.0M |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $17.16B | $18.93B | $18.70B | $19.14B | $21.55B |
| Operating income | — | — | — | $4.16B | $4.93B |
| Net income | $3.65B | $5.44B | $4.66B | $4.42B | $4.23B |
| EPS (diluted) | $6.82 | $9.63 | $7.78 | $6.93 | $6.25 |
| EPS (basic) | $6.84 | $9.68 | $7.81 | $6.96 | $6.28 |
| Operating margin | — | — | — | $22 | $23 |
| Net margin | $21 | $29 | $25 | $23 | $20 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $116.47B | $117.57B | $126.72B | $131.74B | $157.54B |
| Total liabilities | $86.98B | $91.47B | $104.74B | $111.60B | $124.29B |
| Stockholders' equity | $29.49B | $26.10B | $21.98B | $20.14B | $17.03B |
| Cash & equivalents | $6.25B | $6.23B | $4.31B | $3.94B | $5.05B |
| Property, plant & equipment | $351.0M | $387.0M | $445.0M | $530.0M | $538.0M |
| Goodwill | $260.0M | $263.0M | $265.0M | $265.0M | $268.0M |
| Common stock & paid-in capital | $136.0M | $136.0M | $136.0M | $135.0M | $135.0M |
| Retained earnings | $54.68B | $52.28B | $47.99B | $44.37B | $41.38B |
| Accumulated other comprehensive income (loss) | — | — | -$5.52B | -$6.43B | -$8.41B |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $2.56B | $2.71B | $3.19B | $3.88B | $5.05B |
| Investing cash flow | $1.56B | $2.78B | $817.0M | -$1.54B | -$2.38B |
| Financing cash flow | -$4.07B | -$3.49B | -$3.72B | -$3.55B | -$2.74B |
| Deferred income taxes | -$228.0M | -$356.0M | -$1.06B | -$730.0M | -$118.0M |
| Purchases of investments | $11.74B | $5.54B | $2.80B | $3.51B | $5.81B |
| Sales/maturities of investments | — | — | — | — | — |
| Other investing activities | $295.0M | -$61.0M | $149.0M | -$112.0M | -$41.0M |
| Dividends paid | $1.20B | $1.09B | $966.0M | $979.0M | $855.0M |
| Share repurchases | $3.53B | $2.80B | $2.80B | $2.40B | $2.30B |
| Other financing activities | -$38.0M | -$28.0M | -$17.0M | $34.0M | -$26.0M |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding AFL as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 01:27 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-10-19 | 4 | 2026-10-15 | View on SEC.gov → |
| 2026-10-16 | 4 | 2026-10-14 | View on SEC.gov → |
| 2026-10-15 | 4 | 2026-10-13 | View on SEC.gov → |
| 2026-10-14 | 4 | 2026-10-09 | View on SEC.gov → |
| 2026-10-14 | 4 | 2026-10-12 | View on SEC.gov → |
| 2026-10-13 | 4 | 2026-10-08 | View on SEC.gov → |
| 2026-10-09 | 4 | 2026-10-07 | View on SEC.gov → |
| 2026-10-08 | 4 | 2026-10-06 | View on SEC.gov → |
| 2026-10-07 | 4 | 2026-10-05 | View on SEC.gov → |
| 2026-10-06 | 4 | 2026-10-02 | View on SEC.gov → |
| 2026-10-05 | 4 | 2026-10-01 | View on SEC.gov → |
| 2026-10-01 | 4 | 2026-09-29 | View on SEC.gov → |
Recent news
Headlines about AFL (Aflac Inc.). Links open the publisher — we don’t host full articles.
-
Sawyer & Company Inc Acquires 11,639 Shares of Aflac Incorporated $AFL
MarketBeat · 2026-10-21 -
Aflac stock: JPMorgan raises target to USD 119.00 for Aflac stock
AD HOC NEWS · 2026-10-21 -
JPMorgan raises target for Aflac stock from USD 116 to USD 119
AD HOC NEWS · 2026-10-21 -
Aflac Incorporated (AFL) Stock Price, News, Quote & History
Yahoo! Finance Canada · 2026-10-20 -
AFLAC Inc. stock underperforms Tuesday when compared to competitors despite daily gains
MarketWatch · 2026-10-20 -
Is Aflac (AFL) Undervalued Following Its AI Partnership With bswift?
Simply Wall Street · 2026-10-20 -
Aflac (NYSE:AFL) Share Price, Forecast & Analysis
Stocks Down Under · 2026-10-20 -
Willis Investment Counsel Sells 18,747 Shares of Aflac Incorporated $AFL
MarketBeat · 2026-10-20
No headlines in this category right now — try “All”.