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AFLAC INC (AFL)

Accident & Health Insurance · Accident & Health Insurance · NYSE

$111.54

+0.32%

Investru Score

41.8 / 100

Weak

Why is AFL moving?

AFL is up 0.32% today, amid an otherwise sideways trend.

Business overview

  • Data unavailable for business quality specific metrics.

Data unavailable to form a comprehensive view of business quality.

Bull case

A favorable valuation with a moderate trailing price-to-earnings ratio of 14.17 and a healthy net margin of 21.2% could provide downside support if growth metrics stabilize. Oversold technical conditions, highlighted by an RSI of 18.74, might also offer a setup for a mean-reversion bounce.

Bear case

Persistent contraction in revenue and earnings accelerates, driven by the ongoing negative margin trend and weak technical momentum. This could cause the valuation multiples to contract further from current levels.

AFL’s Investru Score changed -3.2 points recently. Want to know exactly what changed and why? That’s a Pro feature →

Score breakdown

Financial Quality
52
Growth
15
Profitability
52
Balance Sheet
50
Valuation
68
Momentum
3

Score history

-3.2 over the last 33 days, driven mainly by momentum (-32).

Financial quality

  • The return on equity is 12.4%.
  • The earnings quality is 0.7.
  • Data unavailable for ROIC, free cash flow margin, and free cash flow quality.

These financial quality indicators present a moderate picture, supported by a steady return on equity despite missing comprehensive cash flow data.

ROIC
Data unavailable
ROE
12.4%
FCF Margin
Data unavailable
Free Cash Flow (TTM)
Data unavailable
Earnings Quality (OCF ÷ Net Income)
0.7x

Valuation

  • The trailing price-to-earnings ratio is 14.17.
  • The forward price-to-earnings ratio is 15.51.
  • The price-to-sales ratio is 3.33.
  • Data unavailable for trailing PEG ratio.
  • Data unavailable for forward PEG ratio.
  • Data unavailable for median PEG ratio.
  • Data unavailable for enterprise value to EBITDA.
  • Data unavailable for free cash flow yield.

The valuation multiples suggest the stock is priced moderately relative to current earnings and sales, though forward expectations show a slight multiple expansion.

P/E (TTM)
14.2x
Forward P/E
15.5x
PEG (P/E ÷ EPS Growth)
Data unavailable
Company Median PEG
Data unavailable
Price / Sales
3.3x
EV / EBITDA
Data unavailable
FCF Yield
Data unavailable

Key risks

  • Revenue growth continues to contract from its current -9.3% rate.(Probability: High · Impact: High)
  • Earnings per share decline persists from the current -29.2% level.(Probability: High · Impact: High)
  • Negative margin trend of -1 leads to further profitability compression.(Probability: Medium · Impact: Medium)

Latest earnings

Q2 FY26 EPS
$1.63
Estimate
$1.79
Surprise
-8.7%
  • Earnings per share growth year-over-year declined by 29.2%.
  • Earnings quality stands at 0.7.

These figures demonstrate a contraction in profitability per share alongside an earnings quality metric that warrants close tracking.

SEC filings

Event filings (8-K) aren't covered by this page's data source yet — only 10-K/10-Q are shown above.

Market cap $57.9B · 52-week range $105.43–$130.22 · market data as of Oct 2, 2026, 4:00 PM ET · latest SEC filing: 2026-08-07

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Analyze AFL with Investru AI

Not investment advice. Investru AI summarizes public data and AI-generated analysis for informational purposes only.