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AFLAC Incorporated Common Stock (AFL)

NYSE Large Cap

Financial Services › Accident & Health Insurance

$108.71
Market Cap: $56.1B
Data as of Sep 30, 2025 (TTM)

Price History

Feb 9, 2026 — Apr 4, 2026

Investment Snapshot

  • Trading 48% above Graham Number — above intrinsic value estimate
  • Piotroski F-Score 4/9 — moderate financial health
  • ROE of 7.4% — below-average profitability
  • Revenue declining 9% annually

AFLAC Incorporated Common Stock (AFL) is a Financial Services company operating in Accident & Health Insurance, listed on the NYSE , with a market capitalisation of $56.1 billion . Key value metrics: P/E ratio 25.8, P/B ratio 1.90, Piotroski F-Score 4 out of 9 (moderate financial health) .

Value Score

Key Metrics

P/E Ratio
25.82
1.90
EPS
$4.21
Div. Yield
1.5%
PEG Ratio
P/S Ratio
EV/EBITDA
ROE
ROA
Gross Margin
Op. Margin
Net Margin
Debt/Equity
Current Ratio

Current vs 5-Year Average

Based on 5 years of SEC filings
Net Margin
↑ +2.1pp avg —
Gross Margin
↑ +2.1pp avg —
Operating Margin
↑ +2.1pp avg —
Return on Equity
↑ +2.1pp avg —
Debt / Equity
↑ +2.1pp avg —

Revenue & Net Income

EPS & Free Cash Flow Per Share

Financial Statements

Metric FY22 FY23 FY24
Revenue $X.XB $X.XB $X.XB
Gross Profit $X.XB $X.XB $X.XB
Operating Income $X.XB $X.XB $X.XB
Net Income $X.XB $X.XB $X.XB
EBITDA $X.XB $X.XB $X.XB
Total Assets $X.XB $X.XB $X.XB
Total Liabilities $X.XB $X.XB $X.XB
Data sourced from SEC EDGAR and Polygon.io. Methodology. View more Financial Services stocks →

AFLAC Incorporated Common Stock — Fundamental Analysis Summary

AFLAC Incorporated Common Stock (AFL) is currently trading 48% above its Graham Number of $73.55, suggesting the market price exceeds Benjamin Graham's intrinsic value estimate. The stock carries an elevated trailing P/E ratio of 25.8x.

On financial health, AFL shows a moderate Piotroski F-Score of 4/9, and modest return on equity of 7.4% (sector average: 5.8%), and minimal leverage with a debt-to-equity ratio of 0.29.

StockPik's composite Value Score for AFL is 62/100 — an above-average value rating. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.

AFL shows revenue declining at 9% year-over-year, with earnings declining at 33%.

AFL pays a modest dividend yield of 1.5%.

Top Value Stocks in Financial Services

Symbol Price P/E Score
ACIC $11.36 5.1 100
ATLCP $22.87 2.9 100
ATLCL $24.97 3.2 100
ACGLN $16.52 1.4 100
ACGLO $19.79 1.7 100
How is the Value Score calculated?
Read our full methodology →
How is the Graham Number calculated?
Benjamin Graham's intrinsic value formula, worked examples, and how to use it →
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