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Upturn AI SWOT - About
AFL 
Aflac Incorporated (AFL)
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Upturn Advisory Summary
09/15/2025: AFL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
13 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $108.08
1 Year Target Price $108.08
| 1 | Strong Buy |
| 2 | Buy |
| 8 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 6.83% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 58.37B USD | Price to earnings Ratio 24.58 | 1Y Target Price 108.08 |
Price to earnings Ratio 24.58 | 1Y Target Price 108.08 | ||
Volume (30-day avg) 13 | Beta 0.84 | 52 Weeks Range 96.14 - 113.54 | Updated Date 09/15/2025 |
52 Weeks Range 96.14 - 113.54 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 1.98% | Basic EPS (TTM) 4.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.32% | Operating Margin (TTM) 21.01% |
Management Effectiveness
Return on Assets (TTM) 1.73% | Return on Equity (TTM) 9.15% |
Valuation
Trailing PE 24.58 | Forward PE 14.99 | Enterprise Value 66101160503 | Price to Sales(TTM) 3.67 |
Enterprise Value 66101160503 | Price to Sales(TTM) 3.67 | ||
Enterprise Value to Revenue 4.08 | Enterprise Value to EBITDA - | Shares Outstanding 534831008 | Shares Floating 530199849 |
Shares Outstanding 534831008 | Shares Floating 530199849 | ||
Percent Insiders 10.54 | Percent Institutions 59.71 |
Upturn AI SWOT
Aflac Incorporated
Company Overview
History and Background
Aflac Incorporated was founded in 1955 by brothers John, Paul, and William Amos. Initially named American Family Life Assurance Company of Columbus, it focused on selling supplemental insurance policies. Aflac gained prominence by offering policies that pay cash benefits directly to policyholders when they are sick or injured, helping with expenses not covered by major medical insurance.
Core Business Areas
- Aflac U.S.: Aflac U.S. provides supplemental health and life insurance products in the United States.
- Aflac Japan: Aflac Japan offers supplemental health and life insurance products in Japan, where it's a leading provider.
Leadership and Structure
Aflac's leadership team typically includes a CEO, CFO, and other key executives. The organizational structure consists of various departments responsible for sales, marketing, finance, and operations, with separate teams dedicated to U.S. and Japan markets.
Top Products and Market Share
Key Offerings
- Cancer Insurance: Provides benefits upon diagnosis and treatment of cancer. Aflac is a major player in this market. Competitors: Cigna, MetLife, Mutual of Omaha.
- Accident Insurance: Pays benefits for injuries resulting from accidents. Aflac has a significant market share. Competitors: Cigna, UnitedHealthcare.
- Critical Illness Insurance: Offers benefits for specified critical illnesses like heart attack or stroke. Aflac maintains a strong position. Competitors: Cigna, MetLife.
- Hospital Indemnity Insurance: Provides a daily benefit for hospital stays. Aflac is a well-known provider. Competitors: UnitedHealthcare, Cigna.
Market Dynamics
Industry Overview
The supplemental insurance industry is growing due to rising healthcare costs and increased consumer awareness of financial risks associated with illness and accidents.
Positioning
Aflac is a leading provider of supplemental insurance, known for its brand recognition and strong distribution network.
Total Addressable Market (TAM)
The TAM for supplemental health insurance is estimated to be over $50 billion. Aflac is positioned to capture a significant portion through its wide array of offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive distribution network
- Financial stability
- Dominant market share in Japan
- Innovative product offerings
Weaknesses
- Dependence on Japan market
- Exposure to regulatory changes
- Vulnerability to economic downturns
- Competition from larger insurance companies
- Potential negative publicity due to claims disputes
Opportunities
- Expanding into new markets
- Developing new products
- Leveraging technology for distribution
- Strategic partnerships
- Increase US market share
Threats
- Increased competition
- Changes in healthcare regulations
- Economic recession
- Adverse currency exchange rates
- Negative media coverage
Competitors and Market Share
Key Competitors
- Cigna (CI)
- UnitedHealth Group (UNH)
- MetLife (MET)
- Globe Life (GL)
Competitive Landscape
Aflac benefits from its strong brand and specialized products. However, competitors like Cigna and UnitedHealth have larger overall market capitalizations and broader product offerings.
Major Acquisitions
Zurich North America Group Benefits
- Year: 2023
- Acquisition Price (USD millions): 460
- Strategic Rationale: Expands Aflac's group benefits offerings and distribution network in the U.S.
Growth Trajectory and Initiatives
Historical Growth: Data not available in the current context. This section requires external financial data sources.
Future Projections: Data not available in the current context. This section requires external financial data sources.
Recent Initiatives: Data not available in the current context. This section requires external financial data sources.
Summary
Aflac is a strong player in the supplemental insurance market, particularly in Japan. Its solid brand and distribution network are key assets. However, it faces competition from larger, diversified insurance companies, and must carefully manage its dependence on the Japanese market and adapt to evolving healthcare regulations and market dynamics.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Industry Analysis
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions can change rapidly, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Aflac Incorporated
Exchange NYSE | Headquaters Columbus, GA, United States | ||
IPO Launch date 1984-07-19 | Chairman & CEO Mr. Daniel Paul Amos | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 12694 | Website https://www.aflac.com |
Full time employees 12694 | Website https://www.aflac.com | ||
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. The company 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. The Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company sells its products through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is based in Columbus, Georgia.
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