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Aflac stock

AFLNYSE

Aflac Incorporated, Financial ServicesISIN US0010551028

$126.51▼ $0.60 (−0.5%)Closing price of 12 Nov 2026

65Score 65 out of 100, Neutral

Turn on early warning

Price and trend

82 / 100

Price history

+10% in one year

The 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.

Long-term trend

Above the 200-day line: the price is 8.5% above it.

Trend change

Since September 2025 the 50-day line has been above the 200-day line; the trend has turned up.

Momentum

Overheated: the price has risen very quickly lately (RSI 73).

Distance to the high

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.
Market cap
$62.87B
Div. yield
1.9%
12 months
18.0
16.8
on earnings for the next twelve months ($7.58 per share)
Fair value
$94.01

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
65/ 100
MEQIRI Score
Neutral

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 calculated

Score overview

Score since yesterday from 64 to 65.

The fundamentals are strong overall.

Profit consistency100% of years
Cash conversion (free cash flow to earnings)not used for financials
ROE (12 months)11.8%
Positive free cash flownot used for financials
How this category is measured

Score history

The full history of up to 20 years comes with MEQIRI Pro.

See plans

Crash risk low

How well MEQIRI warns

One 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 overvalued
Price
$127.11
Fair value
$94.01
Gap to fair value
+35%

Closing 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

2.15
11.8%
last 12 months, profit over average equity
Fair value (model)
$94.01
Earnings part $81.45 (earnings per share $7.07 × 11.5)

Half from the excess return model, half from earnings times the industry P/E (11.5).

Calculate with your own assumptions

Company performance

This shows several years of history with an automatic assessment.

Revenue

20 years

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

20 years
  • 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 quarter
0.3
Equity
$29.28B
12.39
Cash & equivalents
$83.52B

For 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.

Fiscal 20268 analysts
Earnings per share
$7.10+1.2%
Revenue
$16.79B+0.1%
Fiscal 202710 analysts
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.

Supporting passage from the call, verbatim
“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

All insider purchases

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

Rank 586 of 976
586/ 976
This company
65
Sector median
68

Categories against the sector median

ProfitabilityMedian of 976 companies56 (median 57)1 below the median
GrowthMedian of 976 companies17 (median 67)50 below the median
FundamentalsMedian of 976 companies82 (median 80)2 above the median
ValuationMedian of 929 companies with a value42 (median 73)31 below the median
StabilityMedian of 976 companies92 (median 78)14 above the median
Capital allocationMedian of 976 companies84 (median 56)28 above the median
Technical analysisMedian of 976 companies82 (median 70)12 above the median
MomentumMedian of 976 companies73 (median 70)3 above the 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

All 33 Insurance (Life) stocks

ETFs that hold Aflac

Held by 124 ETFs on Xetra. Shown per index: the ETF with the largest weight.

Show 5 more

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.

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