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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
10/23/2026: AFL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Aflac Incorporated is a leading provider of supplemental health and life insurance, with a notably strong market position in both the United States and Japan. The company is well-regarded by investors for its stable earnings, disciplined financial management, and long history of consistent dividend growth. A primary growth opportunity lies in its digital transformation and potential to expand its product footprint in the U.S. market. However, investors should monitor risks associated with its heavy geographical concentration in Japan, currency exchange rate sensitivity, and competition from large, diversified insurance carriers. Aflac remains a suitable consideration for income-focused and long-term conservative investors.
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 offers steady, mature growth rather than the high-growth trajectory typically sought by growth investors. |
| Momentum investor | Mixed fit | Momentum suitability depends on the current trend; the stock is generally characterized by lower volatility. |
| Value investor | Strong fit | Aflac is often viewed as a stable, well-capitalized company that may appeal to value-oriented investors. |
| Dividend investor | Strong fit | Aflac's long history of consistent dividend increases makes it a strong candidate for income-focused portfolios. |
| Low-risk investor | Strong fit | The company's defensive business model and long-term financial stability suit conservative risk profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock is generally less volatile than the broader market due to its stable business model. |
| Valuation risk | Medium | As with any equity, share price fluctuations can impact entry points regardless of fundamental strength. |
| Competition risk (Diversified insurers) | Medium | Larger insurers with broader portfolios may compete aggressively in supplemental categories. |
| Business quality | Strong | The company has a long track record of consistent operational performance and dividend growth. |
| Dividend income | Strong | Aflac's history of dividend increases provides a reliable income stream for investors. |
| Execution risk | Medium | Continued success depends on navigating complex regulatory and economic environments in the U.S. and Japan. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit -5.42% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
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 60.42B USD | Price to earnings Ratio 12.96 | 1Y Target Price 117.33 |
Price to earnings Ratio 12.96 | 1Y Target Price 117.33 | ||
Volume (30-day avg) 1.9M shares | Beta 0.56 | 52 Weeks Range 103.27 - 129.57 | Updated Date 10/25/2026 |
52 Weeks Range 103.27 - 129.57 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 1.93% | Basic EPS (TTM) 9.3 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Aflac Japan | Supplemental insurance premiums, particularly for cancer and medical products. | Japan provides a significant, consistent portion of Aflac's overall earnings. |
| Aflac U.S. | Supplemental insurance products sold through worksite distribution. | The U.S. business relies on stable, recurring payroll-deducted premiums. |
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 12.96 | Forward PE 15.2 | Enterprise Value 68.51B | Price to Sales(TTM) 3.34 |
Enterprise Value 68.51B | Price to Sales(TTM) 3.34 | ||
Enterprise Value to Revenue 3.75 | Enterprise Value to EBITDA - | Shares Outstanding 501.34M | Shares Floating 497.02M |
Shares Outstanding 501.34M | Shares Floating 497.02M | ||
Percent Insiders 10.86 | Percent Institutions 59.92 |
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.
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