Aflac stock
AFLNYSEAflac Incorporated, Financial ServicesISIN US0010551028
65Score 65 out of 100, Neutral
Price and trend
82 / 100
Price history
+10% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 8.5% above it.
Since September 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Overheated: the price has risen very quickly lately (RSI 73).
The price is 2.3% below its 52-week high. Largest decline in 20 years: 83% (April 2008 to March 2009).
Chart figures for advanced users
- SMA 50$118.31
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$116.63
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)73
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$106.20
- The lowest closing price of the last twelve months.
- Resistance$129.55
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Aflac Incorporated belongs to the Insurance (Life) industry (United States) and, with a market value of $62.57B, is number 6 of 33 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $17.44B (down 8.8% year on year) and earnings of $3.65B (down 33%).
- For fiscal 2026, analysts expect on average revenue of $16.79B (down 3.7%) and adjusted earnings per share of $7.10 (down 5.3%).
Show more
- MEQIRI Score 65 out of 100 (Neutral): rank 586 of 976 in Financial Services, median 68.
- The P/E is 17.9 (Insurance (Life) median 11.5, own median of recent years 10.6).
- Our model puts fair value at $94.01, with the price 35% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for over 42 years.Capital allocation 84
- Share buybacksShare count down 26% since 2020.Capital allocation 84
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 82
Weaknesses
- Above fair valuePrice 35% above the fair value of $94.01.Valuation 42
- Richly valuedP/E 17.9, Insurance (Life) median 11.5, own median 10.6.Valuation 42
- Revenue shrinkingRevenue down 4.8% a year since 2020.Growth 17
Its standout strengths are stability and capital allocation, while valuation and growth hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 64 to 65.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among stocks ranked 101 to 1,000.
From 2016 to 2025, 9 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What lowers it
- solid fundamentals
- calm price action
- low growth grade (crashed less often in the backtest)
Valuation
Valuation signal
Significantly overvaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $78.34 and expensive above $117.51 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $106.57 (excess return model) and $81.45 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $85.13, at 7.8% it would be $107.33.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.5).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 7.8% on the twelve months before. Revenue has stayed largely stable since 2006.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 27%, net 21%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 3 Feb 2027in 83 days
- Last reported
- 4 Nov 2026EPS reported $2.43 (expected $1.80)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $7.10+1.2%
- Revenue
- $16.79B+0.1%
- Earnings per share
- $7.66+0.6%
- Revenue
- $16.95B+0.3%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook lowered
Share price after the results: −3.7%2026 net earned premium growth is now expected just below the 3% to 6% range, versus the low end before, and the benefit ratio at the high end of the 60% to 63% range.
“Recognizing that the year-to-date benefit ratio is 63.4%, we now expect to be at the high end of our guidance range of 60% to 63% for the full year of 2026, excluding the annual actuarial assumption review in Q3.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 7 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 6 insiders sold, $175.84M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Japan Post Holdings Co., Ltd.Sale
10 Nov 2026, Major holder
- Shares
- 13,000
- Price
- $126.89
- Value
- $1.65M
- Moskowitz Joseph LSale
9 Nov 2026, Board
- Shares
- 600
- Price
- $124.99
- Value
- $74,994
- Japan Post Holdings Co., Ltd.Sale
15 Oct 2026, Major holder
- Shares
- 113,611
- Price
- $118.53
- Value
- $13.47M
Show 77 more
- Japan Post Holdings Co., Ltd.Sale
14 Oct 2026, Major holder
- Shares
- 55,000
- Price
- $117.79
- Value
- $6.48M
- Japan Post Holdings Co., Ltd.Sale
13 Oct 2026, Major holder
- Shares
- 42,000
- Price
- $116.38
- Value
- $4.89M
- Japan Post Holdings Co., Ltd.Sale
12 Oct 2026, Major holder
- Shares
- 12,200
- Price
- $115.85
- Value
- $1.41M
- Japan Post Holdings Co., Ltd.Sale
9 Oct 2026, Major holder
- Shares
- 12,000
- Price
- $114.72
- Value
- $1.38M
- Japan Post Holdings Co., Ltd.Sale
8 Oct 2026, Major holder
- Shares
- 13,000
- Price
- $114.45
- Value
- $1.49M
- Japan Post Holdings Co., Ltd.Sale
7 Oct 2026, Major holder
- Shares
- 12,000
- Price
- $112.80
- Value
- $1.35M
- Japan Post Holdings Co., Ltd.Sale
6 Oct 2026, Major holder
- Shares
- 13,050
- Price
- $113.49
- Value
- $1.48M
- Japan Post Holdings Co., Ltd.Sale
5 Oct 2026, Major holder
- Shares
- 13,000
- Price
- $112.25
- Value
- $1.46M
- Japan Post Holdings Co., Ltd.Sale
2 Oct 2026, Major holder
- Shares
- 13,200
- Price
- $111.30
- Value
- $1.47M
- Japan Post Holdings Co., Ltd.Sale
1 Oct 2026, Major holder
- Shares
- 11,900
- Price
- $111.18
- Value
- $1.32M
- Japan Post Holdings Co., Ltd.Sale
29 Sept 2026, Major holder
- Shares
- 12,100
- Price
- $113.36
- Value
- $1.37M
- Japan Post Holdings Co., Ltd.Sale
28 Sept 2026, Major holder
- Shares
- 12,000
- Price
- $113.63
- Value
- $1.36M
- Japan Post Holdings Co., Ltd.Sale
25 Sept 2026, Major holder
- Shares
- 12,100
- Price
- $113.56
- Value
- $1.37M
- Japan Post Holdings Co., Ltd.Sale
24 Sept 2026, Major holder
- Shares
- 12,100
- Price
- $114.64
- Value
- $1.39M
- Japan Post Holdings Co., Ltd.Sale
23 Sept 2026, Major holder
- Shares
- 13,500
- Price
- $115.20
- Value
- $1.56M
- Japan Post Holdings Co., Ltd.Sale
22 Sept 2026, Major holder
- Shares
- 12,200
- Price
- $114.55
- Value
- $1.4M
- Japan Post Holdings Co., Ltd.Sale
21 Sept 2026, Major holder
- Shares
- 12,200
- Price
- $115.49
- Value
- $1.41M
- Japan Post Holdings Co., Ltd.Sale
18 Sept 2026, Major holder
- Shares
- 12,800
- Price
- $116.22
- Value
- $1.49M
- Japan Post Holdings Co., Ltd.Sale
17 Sept 2026, Major holder
- Shares
- 12,900
- Price
- $116.58
- Value
- $1.5M
- Koide MasatoshiSale
16 Sept 2026, Pres. and Rep. Director, ALIJ
- Shares
- 13,201
- Price
- $118.01
- Value
- $1.56M
- Japan Post Holdings Co., Ltd.Sale
16 Sept 2026, Major holder
- Shares
- 13,800
- Price
- $117.49
- Value
- $1.62M
- Japan Post Holdings Co., Ltd.Sale
15 Sept 2026, Major holder
- Shares
- 13,600
- Price
- $117.34
- Value
- $1.6M
- Japan Post Holdings Co., Ltd.Sale
14 Sept 2026, Major holder
- Shares
- 13,600
- Price
- $116.74
- Value
- $1.59M
- Japan Post Holdings Co., Ltd.Sale
11 Sept 2026, Major holder
- Shares
- 14,000
- Price
- $115.14
- Value
- $1.61M
- Japan Post Holdings Co., Ltd.Sale
10 Sept 2026, Major holder
- Shares
- 13,300
- Price
- $114.32
- Value
- $1.52M
- Japan Post Holdings Co., Ltd.Sale
9 Sept 2026, Major holder
- Shares
- 13,600
- Price
- $114.82
- Value
- $1.56M
- Japan Post Holdings Co., Ltd.Sale
8 Sept 2026, Major holder
- Shares
- 13,600
- Price
- $115.44
- Value
- $1.57M
- Japan Post Holdings Co., Ltd.Sale
4 Sept 2026, Major holder
- Shares
- 15,000
- Price
- $117.47
- Value
- $1.76M
- Japan Post Holdings Co., Ltd.Sale
3 Sept 2026, Major holder
- Shares
- 20,000
- Price
- $118.49
- Value
- $2.37M
- Japan Post Holdings Co., Ltd.Sale
2 Sept 2026, Major holder
- Shares
- 13,500
- Price
- $117.19
- Value
- $1.58M
- Japan Post Holdings Co., Ltd.Sale
1 Sept 2026, Major holder
- Shares
- 12,800
- Price
- $115.77
- Value
- $1.48M
- Japan Post Holdings Co., Ltd.Sale
31 Aug 2026, Major holder
- Shares
- 12,700
- Price
- $116.00
- Value
- $1.47M
- Japan Post Holdings Co., Ltd.Sale
28 Aug 2026, Major holder
- Shares
- 13,000
- Price
- $116.52
- Value
- $1.51M
- Japan Post Holdings Co., Ltd.Sale
27 Aug 2026, Major holder
- Shares
- 12,700
- Price
- $116.67
- Value
- $1.48M
- Japan Post Holdings Co., Ltd.Sale
26 Aug 2026, Major holder
- Shares
- 13,200
- Price
- $117.35
- Value
- $1.55M
- Japan Post Holdings Co., Ltd.Sale
25 Aug 2026, Major holder
- Shares
- 12,700
- Price
- $116.49
- Value
- $1.48M
- Japan Post Holdings Co., Ltd.Sale
24 Aug 2026, Major holder
- Shares
- 13,500
- Price
- $118.02
- Value
- $1.59M
- Japan Post Holdings Co., Ltd.Sale
21 Aug 2026, Major holder
- Shares
- 12,900
- Price
- $116.28
- Value
- $1.5M
- Japan Post Holdings Co., Ltd.Sale
20 Aug 2026, Major holder
- Shares
- 13,100
- Price
- $116.60
- Value
- $1.53M
- Japan Post Holdings Co., Ltd.Sale
19 Aug 2026, Major holder
- Shares
- 12,700
- Price
- $117.05
- Value
- $1.49M
- Japan Post Holdings Co., Ltd.Sale
18 Aug 2026, Major holder
- Shares
- 14,200
- Price
- $121.94
- Value
- $1.73M
- Japan Post Holdings Co., Ltd.Sale
17 Aug 2026, Major holder
- Shares
- 13,900
- Price
- $121.33
- Value
- $1.69M
- Japan Post Holdings Co., Ltd.Sale
14 Aug 2026, Major holder
- Shares
- 14,100
- Price
- $121.43
- Value
- $1.71M
- Japan Post Holdings Co., Ltd.Sale
13 Aug 2026, Major holder
- Shares
- 13,000
- Price
- $121.09
- Value
- $1.57M
- Japan Post Holdings Co., Ltd.Sale
12 Aug 2026, Major holder
- Shares
- 12,800
- Price
- $120.78
- Value
- $1.55M
- Moskowitz Joseph LSale
10 Aug 2026, Board
- Shares
- 600
- Price
- $124.10
- Value
- $74,460
- Moskowitz Joseph LSale
22 Jun 2026, Board
- Shares
- 12,370
- Price
- $116.54
- Value
- $1.44M
- Japan Post Holdings Co., Ltd.Sale
22 Jun 2026, Major holder
- Shares
- 27,845
- Price
- $116.71
- Value
- $3.25M
- Japan Post Holdings Co., Ltd.Sale
18 Jun 2026, Major holder
- Shares
- 3,300
- Price
- $116.92
- Value
- $385,833
- Japan Post Holdings Co., Ltd.Sale
17 Jun 2026, Major holder
- Shares
- 26,300
- Price
- $116.62
- Value
- $3.07M
- Japan Post Holdings Co., Ltd.Sale
16 Jun 2026, Major holder
- Shares
- 30,000
- Price
- $117.39
- Value
- $3.52M
- Japan Post Holdings Co., Ltd.Sale
15 Jun 2026, Major holder
- Shares
- 28,800
- Price
- $117.17
- Value
- $3.37M
- Japan Post Holdings Co., Ltd.Sale
12 Jun 2026, Major holder
- Shares
- 53,000
- Price
- $117.74
- Value
- $6.24M
- Japan Post Holdings Co., Ltd.Sale
11 Jun 2026, Major holder
- Shares
- 48,500
- Price
- $117.20
- Value
- $5.68M
- Japan Post Holdings Co., Ltd.Sale
10 Jun 2026, Major holder
- Shares
- 26,500
- Price
- $117.00
- Value
- $3.1M
- Japan Post Holdings Co., Ltd.Sale
9 Jun 2026, Major holder
- Shares
- 12,800
- Price
- $115.43
- Value
- $1.48M
- Japan Post Holdings Co., Ltd.Sale
8 Jun 2026, Major holder
- Shares
- 13,900
- Price
- $116.05
- Value
- $1.61M
- Japan Post Holdings Co., Ltd.Sale
5 Jun 2026, Major holder
- Shares
- 63,000
- Price
- $118.12
- Value
- $7.44M
- Japan Post Holdings Co., Ltd.Sale
4 Jun 2026, Major holder
- Shares
- 16,300
- Price
- $115.54
- Value
- $1.88M
- Japan Post Holdings Co., Ltd.Sale
3 Jun 2026, Major holder
- Shares
- 16,300
- Price
- $115.19
- Value
- $1.88M
- Japan Post Holdings Co., Ltd.Sale
2 Jun 2026, Major holder
- Shares
- 9,750
- Price
- $113.39
- Value
- $1.11M
- Japan Post Holdings Co., Ltd.Sale
1 Jun 2026, Major holder
- Shares
- 9,060
- Price
- $112.53
- Value
- $1.02M
- Japan Post Holdings Co., Ltd.Sale
29 May 2026, Major holder
- Shares
- 9,200
- Price
- $112.75
- Value
- $1.04M
- Japan Post Holdings Co., Ltd.Sale
28 May 2026, Major holder
- Shares
- 9,100
- Price
- $113.22
- Value
- $1.03M
- Japan Post Holdings Co., Ltd.Sale
27 May 2026, Major holder
- Shares
- 11,400
- Price
- $115.50
- Value
- $1.32M
- Japan Post Holdings Co., Ltd.Sale
26 May 2026, Major holder
- Shares
- 18,000
- Price
- $117.03
- Value
- $2.11M
- Beaver Steven KentSale
22 May 2026, EVP, CFO Aflac Japan
- Shares
- 5,508
- Price
- $117.81
- Value
- $648,897
- Japan Post Holdings Co., Ltd.Sale
22 May 2026, Major holder
- Shares
- 31,100
- Price
- $117.78
- Value
- $3.66M
- Japan Post Holdings Co., Ltd.Sale
21 May 2026, Major holder
- Shares
- 30,400
- Price
- $117.61
- Value
- $3.58M
- Japan Post Holdings Co., Ltd.Sale
20 May 2026, Major holder
- Shares
- 31,600
- Price
- $117.66
- Value
- $3.72M
- Japan Post Holdings Co., Ltd.Sale
19 May 2026, Major holder
- Shares
- 50,000
- Price
- $118.80
- Value
- $5.94M
- Japan Post Holdings Co., Ltd.Sale
18 May 2026, Major holder
- Shares
- 41,700
- Price
- $118.45
- Value
- $4.94M
- Japan Post Holdings Co., Ltd.Sale
15 May 2026, Major holder
- Shares
- 23,500
- Price
- $116.85
- Value
- $2.75M
- Kenny Thomas JSale
15 May 2026, Board
- Shares
- 1,740
- Price
- $116.57
- Value
- $202,832
- Japan Post Holdings Co., Ltd.Sale
14 May 2026, Major holder
- Shares
- 24,500
- Price
- $116.42
- Value
- $2.85M
- Collins Arthur ReginaldSale
14 May 2026, Board
- Shares
- 2,300
- Price
- $116.55
- Value
- $268,065
- Japan Post Holdings Co., Ltd.Sale
13 May 2026, Major holder
- Shares
- 24,200
- Price
- $115.36
- Value
- $2.79M
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Aflac
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 65
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Life)
The next larger and next smaller companies by market value
- AIA Group1299.HK $103.61B73
- Manulife FinancialMFC $73.8B64
- Fubon Financial Holding2881.TW $66.35B74
- MetLifeMET $64.69B73
- Great-West LifecoGWO.TO $59.9B72
- Life Insurance Corporation of IndiaLICI.NS $54.01B75
- Cathay Financial Holding2882.TW $50.46B72
- Prudential FinancialPRU $42.2B65
ETFs that hold Aflac
Held by 124 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| State Street SPDR S&P 500 Low Volatility UCITS ETF (Acc)SPY1 | 1.21% | 0.35% | €106.3M |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 1.07% | 0.39% | €188.08M |
| State Street SPDR S&P U.S. Dividend Aristocrats UCITS ETF (Dist)SPYD | 0.99% | 0.35% | €3.62B |
Show 5 more
| UBS Factor MSCI USA Prime Value Screened UCITS ETF hEUR accUBUW | 0.89% | 0.28% | €127.84M |
| Fidelity US Quality Income UCITS ETF INC-USDFUSD | 0.75% | 0.25% | €1.89B |
| UBS Factor MSCI USA Low Volatility UCITS ETF USD disUBUR | 0.73% | 0.18% | €64.75M |
| Xtrackers MSCI USA Financials UCITS ETF 1DXUFN | 0.70% | 0.12% | €1.07B |
| iShares S&P 500 Financials Sector UCITS ETFQDVH | 0.69% | 0.15% | €2.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 5 Nov 2026)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.
