Aflac Incorporated AFL
Financial Services · Insurance - Life · United States · S&P 500
Based on the available data, Aflac Incorporated gets an algorithmic score of 56/100. It trades at 113.66 $, with a sideways/transition technical trend (RSI 37.0) and 16.9% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (26.9%): pricing power / competitive advantage.
- Low beta (0.33): defensive profile.
Weaknesses
- Shrinking revenue (-3.2% per year).
Fundamentals
| P/E | 12.26 |
| Forward P/E | 15.05 |
| PEG | 1.18 |
| P/B | 1.88 |
| EV/EBITDA | 10.59 |
| P/S | 3.15 |
| ROE % | 16.91 |
| ROA % | 3.13 |
| Gross margin % | 50.89 |
| Operating margin % | 25.72 |
| Net margin % | 26.91 |
| Revenue growth % (y/y) | -1.00 |
| Earnings growth % (y/y) | 46.80 |
| Revenue CAGR % | -3.23 |
| Earnings CAGR % | -6.20 |
| Debt/Equity % | 53.37 |
| Current ratio | 0.89 |
| FCF yield % | 4.48 |
| Dividend yield % | 2.15 |
| Payout % | 25.67 |
Returns
| 1 month | -2.5 % |
| 3 months | -2.6 % |
| 6 months | +6.2 % |
| YTD | +4.7 % |
| 1 year | +4.2 % |
| 3 years | +58.7 % |
| 5 years | +147.8 % |
Risk
| 1-year volatility | 16.9 % |
| Beta | 0.33 |
| 5-year max drawdown | -19.9 % |
| Sharpe 1A | 0.09 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.