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AFL US​

AFLAC Incorporated(AFL US)

$120.51-2.762.24%Ext:$119.60-0.910.76%(Market Closed · 00:00:02 UTC)

Overview

ProfileEntity Structure

Documents

SEC Filings
EDINET Filings

Financials & Metrics

FinancialsChartingShort InterestEmployees

AFLAC Incorporated — Company Profile

Aflac Incorporated, operating through its various subsidiary companies, focuses on delivering supplementary health and life insurance policies. The firm's business activities are structured into two primary divisions: Aflac Japan and Aflac U.S. In Japan, the company offers a diverse range of insurance products, including coverage for cancer, medical expenses, income support for nursing care, and the distinct GIFT plan. This segment also provides traditional whole and term life insurance, along with savings-oriented plans like WAYS and child endowment products. Meanwhile, the Aflac U.S. division caters to the American market, furnishing policies that address cancer, accidents, short-term disability, critical illness, and hospital stays. Additionally, it provides dental, vision, long-term care, disability, and both term and whole life insurance options. Aflac distributes its comprehensive suite of products through multiple channels, which include dedicated sales associates, independent brokers, various corporate and individual agencies, and affiliated agencies. Established in 1955, the company maintains its corporate headquarters in Columbus, Georgia.

Sector
Financials
Industry
Insurance
Exchange
UN
CEO
Daniel Paul Amos
Headquarters
Columbus, GA, US
IPO Date
Mar 17, 1980
Employees
12,716
Website
www.aflac.com

Key Metrics

Price
$111.54
Market Cap
$56.77B
Revenue (TTM)
$4.32B
Net Income (TTM)
$1.02B
EPS (TTM)
1.99
P/E (TTM)
12.25
P/B (TTM)
1.89
Dividend Yield
2.03%
ROE (TTM)
3.40%
ROA (TTM)
0.88%
Operating Margin
28.39%
Beta
-0.05

Dividends

Last Dividend
$0.61
Last Yield
0.02%

Summary

Aflac Incorporated, operating through its various subsidiary companies, focuses on delivering supplementary health and life insurance policies. The firm's business activities are structured into two primary divisions: Aflac Japan and Aflac U.S. In Japan, the company offers a diverse range of insurance products, including coverage for cancer, medical expenses, income support for nursing care, and the distinct GIFT plan. This segment also provides traditional whole and term life insurance, along with savings-oriented plans like WAYS and child endowment products. Meanwhile, the Aflac U.S. division caters to the American market, furnishing policies that address cancer, accidents, short-term disability, critical illness, and hospital stays. Additionally, it provides dental, vision, long-term care, disability, and both term and whole life insurance options. Aflac distributes its comprehensive suite of products through multiple channels, which include dedicated sales associates, independent brokers, various corporate and individual agencies, and affiliated agencies. Established in 1955, the company maintains its corporate headquarters in Columbus, Georgia.

Website
www.aflac.com
Location
Columbus, GA, US
Phone706 323 3431
Employees12,716
CEODaniel Paul Amos
Sector
Financials
Industry
Insurance
IPO DateMar 17, 1980

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Latest Documents

SEC Filings(2.7K)

Expand
  • 4Japan Post Holdings Co., Ltd.19 Oct
  • 4Japan Post Holdings Co., Ltd.16 Oct
  • 4Japan Post Holdings Co., Ltd.15 Oct
  • 4Japan Post Holdings Co., Ltd.14 Oct
  • 4Japan Post Holdings Co., Ltd.14 Oct
  • 4Japan Post Holdings Co., Ltd.13 Oct
  • 4Japan Post Holdings Co., Ltd.9 Oct
  • 4Japan Post Holdings Co., Ltd.8 Oct
  • 4Japan Post Holdings Co., Ltd.7 Oct
  • 4Japan Post Holdings Co., Ltd.6 Oct
  • 4Japan Post Holdings Co., Ltd.5 Oct
  • 4Japan Post Holdings Co., Ltd.1 Oct
  • 4Japan Post Holdings Co., Ltd.30 Sep
  • 4Japan Post Holdings Co., Ltd.29 Sep
  • 4Japan Post Holdings Co., Ltd.28 Sep
  • 4Japan Post Holdings Co., Ltd.25 Sep
  • 4Japan Post Holdings Co., Ltd.24 Sep
  • 4Japan Post Holdings Co., Ltd.23 Sep
  • 4Japan Post Holdings Co., Ltd.22 Sep
  • 4Japan Post Holdings Co., Ltd.21 Sep

EDINET Filings(14)

Expand
  • 10-QQuarterly Report (2019.04.01-2019.06.30)5 Sep 2019
  • 10-QQuarterly Report (2019.01.01-2019.03.31)30 May 2019
  • 10-KAnnual Securities Report (2018.01.01-2018.12.31)18 Apr 2019
  • 10-QQuarterly Report (2018.07.01-2018.09.30)29 Nov 2018
  • 10-QQuarterly Report (2018.04.01-2018.06.30)30 Aug 2018
  • 10-QQuarterly Report (2018.01.01-2018.03.31)31 May 2018
  • 10-KAnnual Securities Report (2017.01.01-2017.12.31)19 Apr 2018
  • 10-QQuarterly Report (2017.07.01-2017.09.30)1 Dec 2017
  • 10-QQuarterly Report (2017.04.01-2017.06.30)7 Sep 2017
  • 10-KAnnual Securities Report (2016.01.01-2016.12.31)20 Apr 2017
  • 10-QQuarterly Report (2016.07.01-2016.09.30)1 Dec 2016
  • 10-QQuarterly Report (2016.04.01-2016.06.30)1 Sep 2016
  • 10-QQuarterly Report (2016.01.01-2016.03.31)2 Jun 2016
  • 10-KAnnual Securities Report (2015.01.01-2015.12.31)18 Apr 2016

News

  • The Dividend Aristocrats Ranked By Quality Scores (October 2026)23 Oct
  • 3 Insurance Dividend Stocks That Could Pay You More Every Year in Retirement19 Oct
  • Aflac (NYSE:AFL) Stock: Insider Post Holdings Co. Ltd. Japan Sells 55,000 Shares18 Oct
  • Aflac (NYSE:AFL) Major Shareholder Sells $4,887,960.00 in Stock18 Oct
  • Aflac Incorporated $AFL Position Boosted by Perpetual Ltd15 Oct
  • AFL tells Sportsbet to stop using players in AI generated content13 Oct
  • Burnout, misinformation and financial vulnerability driving critical choices across American workforce, with Gen Z at the epicenter13 Oct
  • Aflac Incorporated (NYSE:AFL) Stock Now Rated “Hold” by Wall Street Brokerages13 Oct
  • Aflac (NYSE: AFL) owner sells 12,000 shares in preplanned trade11 Oct
  • Aflac (NYSE:AFL) Stock: Insider Post Holdings Co. Ltd. Japan Sells 12,000 Shares11 Oct
  • Aflac (NYSE:AFL) Stock: Insider Post Holdings Co. Ltd. Japan Sells 13,050 Shares11 Oct
  • Aflac’s Japan Post sells 13,000 shares under trading plan (NYSE: AFL)8 Oct
  • Aflac Strengthens Benefits Tech With bswift's AI-Powered Tools7 Oct
  • 1 in 3 U.S. workers do not have a legacy plan in place6 Oct
  • Aflac Incorporated to Release Third Quarter Results and CFO Video Update on November 4, 2026 and Host Webcast on November 5, 202630 Sep
  • Aflac (NYSE:AFL) Major Shareholder Post Holdings Co. Ltd. Japan Sells 12,200 Shares of Stock24 Sep
  • 4 Insurance Stocks With Two Big Profit Engines Backing the Dividend23 Sep
  • Aflac (NYSE:AFL) Major Shareholder Post Holdings Co. Ltd. Japan Sells 12,800 Shares of Stock23 Sep
  • Former baseball and football star Brian Jordan and Aflac President Virgil Miller join forces to show love and care to children and families at SSM Health Cardinal Glennon Children's Hospital in St. Louis22 Sep
  • Aflac + Rachel Zoe make bold fashion statement to prompt Americans to Check for Cancer22 Sep

Mentions in Filings

  • … hat the future of enterprise software will be agentic applications that are net-beneficiaries of AI transformation, and we focus on building, acquiring, and investing in those and related businesses. We have over 150,000 customers including Amazon, Dell, Salesforce, <strong>Aflac</strong>, Thermo Fisher Scientific, RBC Wealth Management, and Fitch Group. Learn more at www.parabolic.io. For investors, please visit ir.banzai.io. --- **Forward-Looking Statements**
    Banzai International, Inc.AFLAC Incorporated·EX-99.1 - 8-K - Material Modifications to Rights of Security Holders·Q4 26·22 Oct
  • … nc.  43 2026 Donna J. Hrinak Retired Senior Vice President, Corporate Affairs, Royal Caribbean Group  75 2018 Georgette Kiser Former Managing Director and CIO, The Carlyle Group  58 2018 <strong>Aflac</strong> Inc. Jacobs Solutions Inc. Liam Krehbiel Chief Executive Officer and Founder, Topography Hospitality, LLC  50 2022 Michael W. Malafronte Lead Independent Director of the Board, Covista Inc. Senior Adv …
    Covista Inc.AFLAC Incorporated·ARS - Annual report to security holders·FY26·2 Oct
  • … agement Data Systems from 1993 to 1995, and a Software Design Engineer in the Aerospace Division of the General Electric Company from 1989 to 1993. **Board Service** Since 2019, Ms. Kiser has served on the boards of <strong>Aflac Incorporated</strong> (NYSE: AFL), a leading supplemental insurer, and Jacobs Solutions, Inc. (NYSE: J), a leading global professional services company. She serves on the audit and risk committee and compensation committee for Aflac, and …
    Covista Inc.AFLAC Incorporated·DEF 14A - Definitive proxy statement·Q2 27·2 Oct
  • … onic Technology NVIDIA CORP 4.6% Electronic Technology NETFLIX INC 4.4% Technology Services TWILIO INC 4.3% Technology Services CHIPOTLE MEXICAN GRILL INC 4.0% Consumer Services GE VERNOVA INC. 3.1% Producer Manufacturing <strong>AFLAC</strong> INC 2.8% Finance PALANTIR TECHNOLOGIES INC 2.3% Technology Services BERKSHIRE HATHAWAY INC-CL B 2.2% Finance Total 38.3% Annual Index Performance: Historical & Simulated\* 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 …
    HSBC USA INC /MD/AFLAC Incorporated·FWP - FREE WRITING PROSPECTUS·Q4 26·2 Oct
  • … ary 2026. Prior to joining Gap International, Inc., she was Senior Director, Brand and Campaigns of Paylocity Corporation from February 2023 to July 2024 and Vice President, U.S. Innovation Strategy & Execution of <strong>Aflac Incorporated</strong> from December 2019 to January 2021. Directors See "Election of Directors" in the Proxy Statement for the Company's 2026 Annual Meeting of Stockholders, which information is incorporated herein by reference. Code …
    AUTOMATIC DATA PROCESSING INCAFLAC Incorporated·ARS - ANNUAL REPORT TO SECURITY HOLDERS·FY26·24 Sep
  • … ive | EFFR + 0.40 – 0.50% | 08/04/2026 – 11/03/2026 | | 51,423 | | | 3,223 | | | WisdomTree, Inc. | Goldman Sachs | Long | Receive | EFFR + 0.40% | 09/02/2026 | | 19,961 | | | 77 | | | | | | | | | | | | | 11,074,986 | | | <strong>Aflac</strong>, Inc. | Goldman Sachs | Long | Receive | EFFR + 0.40% | 11/3/2026 – 11/17/2026 | | 232,709 | | | (7,861 | ) | | Brunello Cucinelli SpA | Goldman Sachs | Long | Receive | EFFR + 0.40 – 0.50% | 05/06/2026 – 11/03/2026 | | 3, …
    SEG Partners Long/Short Equity FundAFLAC Incorporated·486BPOS - Post-effective amendment (closed-end investment companies)·Q4 26·16 Oct

Key Stats

Trading

Px/Chg 1D$111.54 / +0.32%
Prev Close$117.21
% of 52Wk H88.43%
Avg Volume2.46M
Beta-0.05
Mkt Cap56.77B
FD Mkt Cap58.61B

Float

Shrs Out/Float508.99M / 504.64M
Short Float0.02%
Days to Cover3.87
Stock Repurchased$1.00B

Current Valuation

EV59.03B
EV/EBITDA8.86
EV/Sales3.24
P/B1.89
P/S3.12
FCF Yield1.71%
ROE3.40%
ROA0.88%
Current Ratio8.86

Dividend

Cash$0.61
Yield2.03%
Yield (TTM)2.03%

Estimates

P/E12.25
Est P/EN/A
Est EPSN/A
Est PEGN/A

Valuation

Metric5Yr AvgApr '23May '24May '25May '26Oct '26
PRICE-BASED RATIOS
Price / Earnings26.3410.0410.8210.8544.0055.99
Price / Sales6.742.322.683.0912.3913.22
Price / Book Value2.142.202.292.262.061.90
Price / Free Cash Flow60.1211.4315.8121.83192.6058.94
ENTERPRISE VALUE METRICS
Enterprise Value56,762.547,840.953,476.460,350.562,833.559,311.2
Enterprise Value / Sales7.012.502.843.1612.8313.75
Enterprise Value / EBITDA21.909.8310.169.4033.9346.16
Enterprise Value / EBIT22.959.8310.169.4039.2246.16

Financials

Full Financials
Millions USD5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue-5.2%21,546.019,151.018,841.019,128.017,438.0
Gross Income-25.1%21,546.019,151.018,841.06,815.06,788.0
EBITDA1.5%5,208.04,869.05,262.06,417.05,525.0
EBIT-2.8%5,208.04,869.05,262.06,417.04,651.0
Net Income-3.7%4,231.04,418.04,659.05,443.03,646.0
EPS (Diluted)1.7%6.396.937.789.636.83
BALANCE SHEET
Cash & ST Inv-9.2%103,747.079,684.077,596.071,498.070,398.0
Total Assets-7.3%157,542.0131,738.0126,724.0117,566.0116,470.0
Total Liabilities-8.5%124,289.0111,598.0104,739.091,468.086,980.0
Total Shareholder Equity-3%33,253.020,140.021,985.026,098.029,490.0
CASH FLOW
Net Operating Cash Flow-15.7%5,051.03,879.03,190.02,707.02,555.0
Cap Ex—-----
Free Cash Flow-15.7%5,051.03,879.03,190.02,707.02,555.0

Enterprise Value Bridge

Millions USD23 Oct '26
Price (As of 23 Oct '26)120.46
Basic Shares508.99
Market Cap61,312.3
Diluted Shares514.78
Fully Diluted Shares Outstanding514.78
Fully Diluted Market Cap62,011.0
+Consolidated Debt7,908.0
−In-the-Money Convertible Debt—
+Capital Leases86.0
+Operating Leases—
−Cash & Equivalents-5,654.0
−Short-term Investments-65,844.0
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest-
+Pension Liabilities—
Enterprise Value63,566.3

Segment data

Revenue

by Products and services

  • Aflac Japan Member53%
  • Aflac Us Member39%
  • Other Segments7%

Revenue

by Geography

  • Aflac Japan Member58%
  • Aflac Us Member42%

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