#502USNYSE

AFL

Aflac

$123.59USD

Data as of 2026-07-21

Composite Score54.2Average

−13

Margin of safety−13%Overvalued

Fair value$109.79

Target$134.28

Loss chance42%Neutral

SizeLarge cap

SectorFinancials

Dividend1.97%

TypeCommon stock

Price

Pillar breakdown

0–100 percentile rank against the current universe (sector-relative for Quality / Value / Growth / Profitability)

Financials median (n=258)

Quality
Profit margins & asset efficiency
55
Strong
Financials median (n=258) 50
Value
Price vs fundamentals
50
Average
Financials median (n=258) 51
Growth
Revenue & earnings trajectory
38
Weak
Financials median (n=258) 50
Momentum
Recent price strength
63
Strong
Financials median (n=258) 57
Health
Balance sheet & solvency
55
Strong
Financials median (n=258) 55
Profitability
ROE, ROA, ROIC
54
Average
Financials median (n=258) 51
Technical
Trend & volatility signals
63
Strong
Financials median (n=258) 59
Risk
Volatility & drawdown profile
90
Exceptional
Financials median (n=258) 61

025405570100

Exceptional (70+)Strong (55–70)Average (40–55)Weak (25–40)Poor (<25)

Pillars not shown: Sentiment, ML (Phase 5+).

Fair price check

4 different valuation methods each estimate what AFLshould be worth, then we compare to today's price.

Looks overvalued

Models suggest AFL is trading above fair value

Today's price

$123.59

Median fair price

$109.79

-11% vs today's price

Of 4 methods:2 say fair2 say pricey

P/E multiplesFair
thinks it's fairly priced — estimates $134.28, about 9% above today
P/B multiplesFair
thinks it's fairly priced — estimates $116.61, about 6% below today
Graham (defensive)Overvalued
thinks it's expensive — estimates $102.98, about 17% below today
Residual IncomeOvervalued
thinks it's expensive — estimates $89.30, about 28% below today

How to read this: “Cheap” = method's fair price is at least 20% above today. “Fair” = within ±10–20%. “Pricey” = at least 10% below today. Outliers (values more than 5× or less than 0.2× today's price) are excluded.

Fair price ensemble

Median fair: $109.79
Margin of safety(vs fair value): -12.6%
Max (ex-outliers): $134.28
Tangible BVPS: $58.35

Median of all applicable methods (current price $123.59). Per-method estimates + each method’s cheap/fair/pricey read are in the Fair price check above. Outliers above 5× or below 0.2× current price are excluded from the max but kept in the median. See methodology for the 6-method ensemble + 7 defenses.

Defense layer. Flags mark elevated risk, never confirmed fraud. This model cannot catch every manipulation and decays after publication — weigh it against its stated error rates.

Supporting dataRaw fundamentals & data-quality provenance behind the scores above

Raw fundamentals (SEC EDGAR)

Metric	Value
Market cap	$62.91B
Revenue (TTM)	$18.11B
Net income (TTM)	$4.64B
Operating cash flow (TTM)	$2.93B
CapEx (TTM)	N/A
Free cash flow (TTM)CFO − CapEx	N/A
Total assets	$116.28B
Total liabilities	$86.32B
Stockholders' equity	$29.96B
Cash & equivalents	$5.65B
Shares outstanding	508.98M
EPS (basic)	$9.11
EPS (diluted)	$9.11
P/E ratio (TTM)	13.57

TTM = trailing twelve months. Balance sheet items are point-in-time (latest filing).

Data quality

Latest filed date: 2026-05-06
Latest period end: 2026-04-28
Filing lag: 76 days
Missing metrics: 16(capex, free_cash_flow, gross_profit, operating_income, cost_of_revenue, research_and_development, depreciation_and_amortization, current_assets, current_liabilities, inventory, accounts_receivable, accounts_payable, long_term_debt, short_term_debt, ebitda, intangibles_net)