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Upturn AI Summary - About
Aflac Incorporated(AFL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AFL
09/25/2026: AFL (1-star) is currently NOT-A-BUY. Pass it for now.
Aflac Incorporated is a leading provider of supplemental health and life insurance, with a specialized focus on voluntary workplace benefits in the U.S. and Japan. The company has a stable, cash-generative business model that has supported decades of consistent dividend growth, making it a staple for income-focused investors. Its primary growth opportunity lies in expanding its U.S. distribution and digital capabilities, while its major risks include currency exposure in Japan and intense competition within the insurance sector. Investors should monitor U.S. sales momentum, Japanese regulatory shifts, and interest rate trends, as these are critical factors for the company's long-term profitability and valuation.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Aflac is a mature, steady-state company that typically offers moderate growth rather than rapid expansion. |
| Momentum investor | Weak fit | The stock often trades based on value and income characteristics rather than strong price-momentum trends. |
| Value investor | Strong fit | Aflac is often considered a value stock due to its consistent earnings and long-term capital discipline. |
| Dividend investor | Strong fit | The company's history of decades of dividend increases makes it a staple for income-focused portfolios. |
| Low-risk investor | Strong fit | Its stable business model and strong balance sheet appeal to those seeking lower volatility relative to the broader market. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | While generally stable, the stock is subject to currency risk and interest rate-driven sentiment shifts. |
| Valuation risk | Low | The stock typically trades at reasonable multiples, minimizing extreme overvaluation risks. |
| Competition risk (Insurance) | Medium / high | Persistent competition from well-capitalized insurance giants creates constant pressure on pricing and margins. |
| Business quality | Strong | Aflac holds a dominant position in its niche with highly recognized brand equity. |
| Dividend income | Strong | The track record of dividend growth provides high reliability for income-seeking investors. |
| Execution risk | Medium | Successful expansion into new U.S. product lines depends on effective execution by the management team. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit -5.57% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 57.01B USD | Price to earnings Ratio 12.27 | 1Y Target Price 118.53 |
Price to earnings Ratio 12.27 | 1Y Target Price 118.53 | ||
Volume (30-day avg) 2.2M shares | Beta 0.58 | 52 Weeks Range 103.27 - 129.57 | Updated Date 09/26/2026 |
52 Weeks Range 103.27 - 129.57 | Updated Date 09/26/2026 | ||
Dividends yield (FY) 2.09% | Basic EPS (TTM) 9.27 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Aflac Japan | Supplemental insurance products like cancer and medical coverage. | The primary profit engine, though it faces long-term demographic challenges. |
| Aflac U.S. | Voluntary supplemental insurance sold via workplace payroll deduction. | The key growth engine where the company is actively expanding its sales reach. |
| Net Investment Income | Returns on the premium float invested in diversified assets. | A critical component of profitability that relies on stable interest rates. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 12.27 | Forward PE 15.2 | Enterprise Value 67.72B | Price to Sales(TTM) 3.16 |
Enterprise Value 67.72B | Price to Sales(TTM) 3.16 | ||
Enterprise Value to Revenue 3.7 | Enterprise Value to EBITDA - | Shares Outstanding 501.34M | Shares Floating 497.01M |
Shares Outstanding 501.34M | Shares Floating 497.01M | ||
Percent Insiders 10.9 | Percent Institutions 60.11 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Aflac Incorporated
Exchange NYSE | Headquarters 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 12716 | Website https://www.aflac.com |
Full time employees 12716 | Website https://www.aflac.com | ||
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.
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