Aflac Inc (AFL)
Fair ValueFundamental
60
मूल्य
$111.03
मार्केट कैप
$56.93B
भाग 1 · कंपनी का मूल्य कितना है
अवलोकन
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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Direct competitors
Who this company fights with for the same customers
Generated on 17 सितंबर 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.
बैलेंस शीट और तरलता
राजस्व
$18.07B
पिछले 12 महीने (30/6/2026 तक)
शुद्ध आय
$4.86B
पिछले 12 महीने (30/6/2026 तक)
Free Cash Flow
-
कुल इक्विटी
$29.49B
कुल देनदारियाँ
$86.98B
Current Ratio
0.04
Interest Coverage
-
Debt/EBITDA
2.67
Earnings Per Share
राजस्व और शुद्ध आय
Free Cash Flow
आय विवरण
ऐतिहासिक विवरण
समय के साथ मार्जिन
समय के साथ ऋण
ऋण कितना भारी है
वृद्धि तालिका
वृद्धि — राजस्व
Fair Value अनुमान
Fair Value
$144.00
वर्तमान मूल्य
$111.03
Margin of Safety
+22.9%
Fair Value सीमा
$107.59 - $180.41
इस्तेमाल किए गए valuation methods के बीच का फैलाव, कोई सांख्यिकीय रूप से calibrated confidence interval नहीं।
अनुमान विधियाँ
मूल्यांकन मेट्रिक्स
P/E Ratio
12.06
ROE
12.4%
P/B Ratio
1.85
P/FCF
-
Gross Margin
-
ROIC
-
लाभप्रदता Radar
मूल्य सृजन (प्रतिस्पर्धी बढ़त)
ROIC
-
WACC
6.5%
ROIC − WACC
-
Fundamental विश्लेषण मानदंड
पास (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%
फेल (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
अनुपलब्ध (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
मिश्रित संकेत: कुछ क्षेत्रों पर ध्यान देना आवश्यक
Earnings गुणवत्ता
मध्यम: मुनाफे और नकदी के बीच कुछ अंतर
शेयर Dilution
शेयर वापस खरीद रही है। शेयरधारक अनुकूल
संस्थागत होल्डिंग
प्रशासन
कार्यकारी टीम
| नाम | पद | आयु |
|---|---|---|
| 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 | - |
Audit जोखिम
8
बोर्ड जोखिम
5
मुआवजा जोखिम
6
शेयरधारक अधिकार जोखिम
9
भाग 2 · कीमत और खरीदने का समय
यह हिस्सा यह नहीं बताता कि कंपनी अच्छी है या नहीं: यह तय करने में मदद करता है कि उसे कब खरीदें, जब फंडामेंटल आपको आश्वस्त कर चुके हों। इसमें: तकनीकी विश्लेषण, संभावना, ऐतिहासिक गिरावट, गामा एक्सपोज़र।
दस्तावेज़
- दस्तावेज़ देखें
वार्षिक रिपोर्ट (10-K)
कंपनी के कारोबार, वित्तीय नतीजों और जोखिमों का वार्षिक सिंहावलोकन।
दाखिल तिथि: 2026-02-25
- दस्तावेज़ देखें
तिमाही रिपोर्ट (10-Q)
पिछले तीन महीनों के वित्तीय प्रदर्शन का अपडेट।
दाखिल तिथि: 2026-08-07
- दस्तावेज़ देखें
विशेष रिपोर्ट (8-K)
किसी बड़ी घटना, जैसे नेतृत्व में बदलाव या बड़ी घोषणा, की सूचना।
दाखिल तिथि: 2026-08-06
via SEC EDGAR
आय का इतिहास
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