$107.21
+1.01 (+0.95%)
Performance
1D
—
1W
—
1M
—
3M
-2.45%
6M
-3.72%
1Y
-2.92%
YTD
-2.75%
Open$106.78
Previous Close$106.20
Day High$107.39
Day Low$106.23
52W High$119.32
52W Low$96.95
Volume—
Avg Volume2.19M
Market Cap57.47B
P/E Ratio15.76
EPS$6.89
SectorInsurance
Technical Indicators
Full analysis →
SMA 50
$110.96
Below
SMA 200
$107.54
Below
RSI (14)
56
Neutral
Trend
Golden Cross
Bullish
Analyst Ratings
Sell
21 analysts
Price Target
-2.2% upside
Current
$107.21
$107.21
Target
$104.89
$104.89
$77.79
$104.89 avg
$150.96
Key Financials
| FY 2026 | FY 2025 | FY 2024 | |
|---|---|---|---|
| Revenue | 16.57B | 17.30B | 79.36B |
| Net Income | 3.52B | 3.31B | 5.72B |
| Profit Margin | 21.2% | 20.2% | 7.2% |
| EBITDA | 4.62B | 4.59B | 11.44B |
| Free Cash Flow | — | — | 6.34B |
| Rev Growth | -4.2% | -4.2% | -5.3% |
| Debt/Equity | 0.28 | 0.28 | 0.84 |
Dividend
Dividend Yield2.20%
Annual Dividend$2.24
Payout Ratio32.9%
Frequencyquarterly
Ex-DividendMar 5, 2026
Pay DateMar 24, 2026
About Aflac Inc
Aflac Incorporated is a leading provider of supplemental health and life insurance in the United States and Japan, headquartered in Columbus, Georgia. The company's policies are designed to pay cash benefits directly to policyholders to help cover out-of-pocket costs not reimbursed by primary health insurance, including expenses related to cancer, accidents, hospital stays, and disability. Aflac is the largest provider of supplemental insurance in the United States and holds a dominant market position in Japan, where it sells through banks, agencies, and corporate payroll accounts. The company is widely recognized for its direct-to-consumer brand and its iconic duck mascot, among the most recognized insurance advertising symbols in the world.
Insurance Peers
| Symbol | Name | Price | Change | P/E | Mkt Cap |
|---|---|---|---|---|---|
| CB | Chubb Ltd | $323.21 | -0.74% | 12.2 | 125.86B |
| PGR | Progressive Corp | $202.84 | -1.63% | 10.5 | 118.75B |
| MRSH | Marsh & Mclennan Cos | $174.20 | +0.64% | 21.5 | 89.56B |
| MFC | Manulife Financial Corp | $34.59 | +0.46% | 13.6 | 78.82B |
| AON | Aon Plc-Class A | $321.45 | -1.71% | 19.6 | 72.58B |
| TRV | Travelers Cos Inc/The | $290.59 | -0.83% | 10.5 | 66.09B |
AFL Frequently Asked Questions
What does Aflac do?
Aflac operates on a fundamentally different model than traditional health insurers — rather than paying doctors or hospitals directly, it pays cash benefits directly to policyholders when illness or injury strikes. That cash can cover anything from rent to groceries while the policyholder recovers. The company sells through employers in the U.S. as a workplace benefit and through banks and corporate payroll programs in Japan, where it holds a commanding share of the supplemental cancer insurance market. Premium income from both markets drives steady, predictable revenue.
Is AFL stock a good investment?
Aflac has built a reputation for consistent capital returns, having raised its dividend for over four decades — a record that puts it in rare company among insurers. Its Japan segment provides meaningful geographic diversification, though yen fluctuations affect reported earnings. The company carries a modest price-to-earnings ratio relative to the broader market, and its supplemental insurance model generates stable underwriting margins. Investors should note that growth in Japan has slowed as the market matures, while U.S. distribution expansion remains an ongoing effort.
Who are Aflac's main competitors?
Aflac's closest rivals in supplemental and voluntary benefits include Unum Group, which competes directly in employer-sponsored disability and accident coverage, and MetLife, which offers a broad voluntary benefits portfolio at the workplace. Principal Financial and Sun Life Financial are also active in group and voluntary markets. In Japan, Dai-ichi Life and Japan Post Insurance compete for similar policyholders, though Aflac's market presence there remains difficult to challenge.
Does Aflac pay dividends?
Aflac is one of the most consistent dividend payers in the insurance industry, having increased its annual dividend for more than 40 consecutive years — a record that earns it a place among Dividend Aristocrats. The company regularly pairs dividend growth with share repurchases, reducing its float over time. Management has consistently prioritized shareholder returns even through volatile underwriting environments, making it a common holding for income-focused investors.
How much does AFL stock cost right now?
AFL last closed at $107.21, up 0.95% in the most recent trading session. Over the past 52 weeks, the stock has traded between a low of $96.95 and a high of $119.32. The current price represents 46% of its 52-week range, which helps investors gauge where the stock sits relative to its recent trading history.
What is the analyst consensus for AFL?
Among 21 analysts covering AFL, the consensus rating is Sell — 3 rate it a buy, 10 hold, and 8 sell. The average price target sits at $104.89, implying 2% downside from the current price. Keep in mind that analyst targets reflect 12-month expectations and can shift quickly after earnings reports or major company events.
Does Aflac Inc make money?
Aflac Inc generated $16.57B in revenue during fiscal year 2026, with $3.52B reaching the bottom line as net income. The net profit margin of 21.2% is strong by most industry standards.
Is AFL stock expensive based on earnings?
AFL trades at a P/E ratio of 15.76 on trailing earnings of $6.89 per share. That's roughly in line with the broader market average of ~20-25x. Comparing this multiple against Insurance sector peers gives better context than the broad market alone, since P/E norms vary significantly across industries.
Is AFL stock going up or down?
Performance varies across timeframes, reflecting shifting market conditions. Returns by timeframe: -2.45% (3M), -3.72% (6M), -2.92% (1Y), -2.75% (YTD). Comparing these figures against the S&P 500 and sector benchmarks helps determine whether AFL is outperforming or lagging the broader market.