Stocktoria
AFLAC INC AFL
AFLAC INC (AFL) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 1.96% (safety: safe). FY2025 revenue was $17.2B at a 21.2% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-11 | JP Morgan | Neutral (main) |
| 2026-08-11 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2026-08-10 | Piper Sandler | Overweight (main) |
| 2026-08-07 | Barclays | Underweight (main) |
| 2026-07-22 | TD Cowen | Hold (main) |
| 2026-07-21 | JP Morgan | Neutral (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| AFL | AFLAC INC | 3/9 | — | 16.8 | -9.3% |
| PFG | PRINCIPAL FINANCIAL GROUP INC | 5/9 | — | 19.6 | -3.1% |
| UNM | Unum Group | 4/9 | — | 19.7 | +1.5% |
| PREJF | PARTNERRE LTD | 6/9 | — | — | +59.3% |
| CNO | CNO Financial Group, Inc. | 4/9 | — | 21.4 | +0.9% |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
All Finance, Insurance & Real Estate companies →
About AFLAC INC
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan. Its Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company also provides hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as cafeteria plans. It sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.
FAQ
Is AFL financially healthy?
AFLAC INC's Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does AFL pay a dividend, and is it safe?
Yes. AFLAC INC pays a dividend yielding about 1.96% with a 32.9% payout ratio, rated “safe” for safety.
How profitable is AFL?
In FY2025, AFLAC INC had a net margin of 21.2% and a return on equity of 12.4%.
Is AFL overvalued or undervalued?
AFLAC INC trades at about 17.7× trailing earnings — above its 10-year norm (10-year range 6.8×–16.3×, median 10.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for AFL?
The average Wall-Street price target for AFLAC INC is $118.86, about 1.6% below the recent price, from 14 analysts (consensus: hold).
Is AFL a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on AFLAC INC: a Piotroski F-score of 3/9, a P/E of about 16.8×, a dividend yield of 1.96%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.