Aflac Incorporated (AFL)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $bn | 22 | 22 | 19 | 19 | 19 | 17 | 18 | 17 |
| Operating profit | $bn | 5 | 6 | ||||||
| Net profit | $bn | 5 | 4 | 4 | 5 | 5 | 4 | 5 | 4 |
| EPS reported | $ | 6.83 | 9.28 | ||||||
| Operating cashflow per share | $ | 4.82 | 5.25 | ||||||
| Capex per share | $ | 0.00 | 0.00 | ||||||
| FCF per share | $ | 4.82 | 5.25 | ||||||
| Free cash flow | $bn | 3 | 3 | ||||||
| Net debt | $bn | -62 | -85 | ||||||
| Book value equity | $bn | 29 | 30 | ||||||
| Book value per share | $ | 55.43 | 59.96 | ||||||
| Number of shares | m | 532.02 | 505.58 | ||||||
| DPS (TTM paid) | $ | 2.32 | 2.41 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 16.14 | 12.25 | ||||||
| P/B LTM | x | 1.98 | 1.93 | ||||||
| P/S LTM | x | 3.35 | 3.23 | ||||||
| P/FCF LTM | x | 22.88 | 22.08 | ||||||
| EV/EBITDA LTM | x | 10.97 | 8.78 | ||||||
| EV/Sales LTM | x | 3.48 | 3.44 | ||||||
| Earnings Yield LTM | % | +6.20% | +8.16% | ||||||
| FCF Yield | % | +4.37% | +4.53% | ||||||
| Quality | |||||||||
| ROE | % | +12.36% | +16.42% | ||||||
| ROIC | % | +3.37% | +4.58% | ||||||
| Operating margin | % | +26.61% | +32.16% | ||||||
| Gross margin | % | +38.93% | +53.91% | ||||||
| FCF/Sales | % | +14.65% | +14.63% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -29.08% | -3.63% | ||||||
| Sales Growth YoY | % | -8.84% | -5.44% | ||||||
| Net Income Growth YoY | % | -33.01% | -10.67% | ||||||
| FCF Growth | % | -5.62% | -2.22% | ||||||
| Operating Profit Growth | % | -27.68% | -9.37% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.05% | +2.06% | ||||||
| Dividend Growth | % | +16.00% | +20.50% | ||||||
| Payout Ratio | % | +32.97% | +24.69% | ||||||
| FCF/Debt | x | 0.30 | 0.30 | ||||||
| Net Debt/EBITDA | x | 0.39 | 0.38 | ||||||
| EBIT/Net interest | x | 21.10 | 24.03 | ||||||
| Net debt/market cap | % | +14.25% | +14.63% | ||||||
| Net debt/Equity | x | -2.10 | -2.80 | ||||||
| Gross debt/equity | x | 0.29 | 0.29 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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