Aflac Inc (AFL)
Valor JustoFundamental
60
Precio
$111.03
Capitalización Bursátil
$56.93B
Parte 1 · Cuánto vale la empresa
Resumen
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 17 de septiembre de 2026 with claude-haiku-4-5 — shared with all users
Through its Colonial Life brand, Unum sells accident, hospital indemnity, cancer and critical illness policies to employees at the workplace in the United States, the same worksite voluntary-benefits business that is Aflac U.S.
Its Group Benefits arm offers accident, critical illness and hospital indemnity cover to U.S. employers through the same brokers Aflac relies on, and it is also one of the foreign insurers selling health protection products in Japan.
Its Family Heritage and Liberty National divisions sell limited-benefit supplemental health cover, including cancer and critical illness, to middle-income American families and small-business employees.
One of Japan's largest life insurers, it sells medical and cancer cover — the "third sector" products from which Aflac draws most of its profits — to Japanese households through its own agents, bank branches and its Neo First Life arm.
Its life subsidiary, Tokio Marine & Nichido Life, specialises in "living protection" — medical and cancer policies for Japanese individuals — competing directly with Aflac Japan's core line.
After buying Allstate's Employer Voluntary Benefits business in April 2025, this insurer distributes supplemental accident, illness and life cover to millions of U.S. employees through workplace brokers.
Balance y Liquidez
Ingresos
$18.07B
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$4.86B
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
-
Patrimonio Neto Total
$29.49B
Pasivo Total
$86.98B
Ratio de Liquidez
0.04
Cobertura de Intereses
-
Deuda/EBITDA
2.67
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuánto pesa la deuda
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$144.00
Precio Actual
$111.03
Margen de Seguridad
+22.9%
Rango de Valor Justo
$107.59 - $180.41
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
12.06
ROE
12.4%
Ratio P/B
1.85
P/FCF
-
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
-
WACC
6.5%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (12)
- EPS shows upward trend
- Price CAGR 12.73%
- P/B Ratio 1.85
- Debt/Equity ratio
- Debt/EBITDA
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- ROE 16.4%
- Earnings Surprise avg 6.1%
- Share Dilution -5.4%
- Net Margin Trend 26.9% vs 15.3%
Fallido (7)
- EPS CAGR 4.10%
- DCF valuation (Unknown)
- Revenue Growth 5Y -5.0%
- Analyst Consensus 13% Buy
- PEG Ratio 27.31
- Earnings Quality (OCF/NI) 0.54
- Piotroski F-Score 4/9
No disponible (9)
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Operating Margin NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Interest Coverage
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Moderada: cierta brecha entre beneficios y efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Daniel Paul Amos | Chairman & CEO | 73 |
| Mr. Virgil Raynard Miller | President | 56 |
| Mr. Max Kristian Broden C.F.A. | Senior EVP & CFO | 46 |
| Mr. Bradley Eugene Dyslin C.F.A. | Executive VP & Global Chief Investment Officer | 59 |
| Ms. Audrey Boone Tillman Esq. | Senior EVP, & General Counsel | 60 |
| Ms. Robin Littrell Blackmon CPA, CGMA | Senior VP of Financial Services & Chief Accounting Officer | 61 |
| Mr. David A. Young | Vice President of Capital Markets | - |
| Mr. Bradley L. Knox | Senior VP & Counsel of Federal Relations | - |
| Mr. Steven Kent Beaver | Executive Vice President; Chief Financial Officer, Aflac Life Insurance Japan | 60 |
| Mr. Timothy L. Callahan CISM, CISSP, CRISC | Senior VP & Chief Information Security Officer | - |
Riesgo de Auditoría
8
Riesgo del Consejo
5
Riesgo de Compensación
6
Riesgo de Derechos del Accionista
9
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-25
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-08-07
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-08-06
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for AFL, sourced from Markets Gazette.
- 5/21/2026NEUTRALAflac Follows Alphabet Into Japan’s Booming Yen Bond Market
Aflac Inc. has entered Japan's burgeoning yen bond market, successfully issuing ¥65.9 billion ($415 million) across four tranches. This move positions Aflac alongside other foreign entities capitalizing on Japan's credit market, which is experiencing increased activity. The issuance is a strategic financial maneuver for Aflac, aimed at diversifying funding sources and potentially leveraging favorable borrowing conditions in the Japanese market. While the issuance itself is a financial operation, its direct impact on Aflac's stock price is neutral, reflecting a standard corporate finance activity rather than a fundamental business development.
via Markets Gazette