# AFLAC Incorporated (AFL) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $117.21, market value $58.8 billion.

## Valuation
- **P/E (trailing): 12.6×** (5-yr avg 10.9×, 3-yr avg 12.2×). AFLAC Incorporated trades at 12.6× trailing earnings, close to its own five-year average of 10.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 15.5×, higher than trailing, so analysts expect earnings to fall.
- **Price / sales: 3.3×**. Each dollar of revenue is priced at 3.3×.
- **Price / book: 1.9×**. The shares trade at 1.9× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 7.9%**. The inverse of the P/E: 7.9% of the price is earned each year.

## Profitability
- **Net margin: 21.2%**. 21.2% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.4%**. 12.4% on shareholders' equity is solid.
- **Return on assets: 4.2%**. Each dollar of assets produces 4.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -9.3%** (3-yr -3.6%/yr, 5-yr -5.0%/yr). Revenue fell 9.3% over the last year, against -5.0% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -29.2%** (3-yr -0.5%/yr, 5-yr 0.4%/yr). Earnings per share fell 29.2%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 2.08%** ($2.38 per share, trailing). AFLAC Incorporated yields 2.08%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 33%**. 33% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 15.7%/yr** (1-yr 16.0%). The dividend has compounded at 15.7% a year over five years, doubling roughly every 5 years at that pace.

## Analyst view
- **Analyst consensus: hold** (15 analysts). 15 analysts cover AFLAC Incorporated; the consensus is hold, with an average price target of $118.53 (+1% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 9.7%** (YTD 7.4%, 3-mo -0.9%). The shares are up 9.7% over twelve months including dividends.
- **From 52-week high: -10.0%** (11.2% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 43**. An RSI of 43 is neutral.
- **Beta (1 yr): -0.13** (volatility 17%). Beta of -0.13 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=AFL · Page: https://foliofundamentals.com/stocks/afl

Not investment advice.